I may have messed up on my second letter........

superrug_2

Firstly i would like to thank everyone for their helpful comments on this subject , i wouldn't have got this far without you !

I got my statements from Natwest, worked it out , £1400ish , did the calculator , did a spreadsheet, included with my letter.

I sent the letter today , but ive just realised I sent the letter template (without interest) and just put the final figure (inclusive of interest) on the letter but did include the two totals on my attached spreadsheet. Have i messed up ????????

What sort of average time does it take for them to make an offer ?

Also, this bloke thats going to court on the 30th April against Natwest , if he losses, will Natwest stop refunding? I wish i had started this earlier.

Many Thanks in Advance

Twinkly

superrug wrote: »

Firstly i would like to thank everyone for their helpful comments on this subject , i wouldn't have got this far without you !

I got my statements from Natwest, worked it out , £1400ish , did the calculator , did a spreadsheet, included with my letter.

I sent the letter today , but ive just realised I sent the letter template (without interest) and just put the final figure (inclusive of interest) on the letter but did include the two totals on my attached spreadsheet. Have i messed up ????????

What sort of average time does it take for them to make an offer ?

Also, this bloke thats going to court on the 30th April against Natwest , if he losses, will Natwest stop refunding? I wish i had started this earlier.

Many Thanks in Advance

You havent messed up too badly, the spreadsheet is attached to show the figure without interest so it may work in your favour. You've shown what you would be entitled to at court so it is in their interest to settle lower figure in full. I dont lknow how long it takes to make an offer but you have given them 14 days to respond to a threat of court action so they may respond within this time. However, their own timescales, set by the FSA, allow them 8 weeks to respond to a complaint so dont hold your breath. Proceed to court if you wish after 14 days or hang on, its your choice really.

Regarding the Natwest case in the media, this wont stop them paying out. For as long as their charges are at an unlawful level they can be reclaimed. Good luck

superrug_2

Many thanks for your reply , on occasions you just need someone to say "Don't worry".

I had a horrible feeling that after a huge wait they would pull me up on a minor issue.

Bring it on Slackwest.

Twinkly

superrug wrote: »

Many thanks for your reply , on occasions you just need someone to say "Don't worry".

I had a horrible feeling that after a huge wait they would pull me up on a minor issue.

Bring it on Slackwest.

well..I hope this is some further reassurance but if there is any misunderstanding by them about the amount you wish to reclaim it will be apparent in their reply to this recent letter. There is nothing to stop you sending a third letter (the LBA) clarifying exactly how much you will be reclaiming at court. People often do this anyway to add on charges incurred since sending the latest letter and before filing in court. It will be fine