Has anyone had replies from the new templates?

[Deleted User]

Are we still awaiting the first replies from the banks in relation to the new template letters from this site?

jmott40

I have just got a reply in the post today from Nationwide. I was reclaiming charges using the Consumer Credit Act (not human rights) and used the template as in the guide, I recieved this reply
'... In your letter you have requested specific information relating to a Mis-sold Policy in ralation to a flexAccount. Please note, Mortgage and FlexAccounts are not regulated under the CCA'

They have returned my letter, what do I do next?

esmerellda

jmott40 wrote: »

I have just got a reply in the post today from Nationwide. I was reclaiming charges using the Consumer Credit Act (not human rights) and used the template as in the guide, I recieved this reply
'... In your letter you have requested specific information relating to a Mis-sold Policy in ralation to a flexAccount. Please note, Mortgage and FlexAccounts are not regulated under the CCA'

They have returned my letter, what do I do next?

The Flexaccount (unless there is something weird about it) will be covered by the CCA only when it is in overdrawn situation. Read Coutts v Sebestyen 2005.

(sorry my puters on a wonk and I can copy and paste but if you look on the BAILLI website and search on Coutts you should find the case.) When I fix this damn thing I"ll paste the info for you.

A Mortgage wouldnt be covered, nor would mis-sold policies - you want to keep Charges and PPI etc claims seperate when claiming.

tifo

yep, i got the standard replies, quoting SC ruling blah blah. They didn't respond to the new points of argument.

jmott40

Hi thanks for pointing me in the right direction, but not being legally minded which bits do I quote etc. many thanks