Difference between revisions of "Preliminary Approach For Repayment"
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==An Example of A Preliminary Approach For Repayment Letter== | ==An Example of A Preliminary Approach For Repayment Letter== | ||
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+ | <blockquote><div style= "font-size:87%;"><font color = #EEEEEE> — </font> | ||
[your address] | [your address] | ||
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I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . | I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . | ||
I enclose a schedule of the charges which I am claiming with this letter. | I enclose a schedule of the charges which I am claiming with this letter. | ||
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<span style="color:red">Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.</span> | <span style="color:red">Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.</span> | ||
<span style="color:red">In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.</span> | <span style="color:red">In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.</span> | ||
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<b>My targets to resolve this matter</b> | <b>My targets to resolve this matter</b> | ||
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. | I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. | ||
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After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. | After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. | ||
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+ | <span style="color:red">ADD THE FOLLOWING IF RELEVANT: | ||
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+ | In considering this request for repayment, your attention is drawn to the Press Release issued by the FSA on 27th July, which states: | ||
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+ | ''"Consumers who are in very difficult financial circumstances - 'hardship cases''' | ||
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+ | Banks and building societies will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period. Cases of hardship would still be entitled to be referred to, and dealt with by, the FOS." | ||
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+ | I believe that my personal circumstances fall within this category because....... [add whatever you think relevant] </span> | ||
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[name] | [name] | ||
+ | </div></blockquote> | ||
+ | |} | ||
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<span style="color:red">Red - only include if necessary</span> | <span style="color:red">Red - only include if necessary</span> | ||
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''' DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER ''' | ''' DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER ''' | ||
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==Download This Letter== | ==Download This Letter== | ||
− | Word Format: | + | MS Word Format: [http://www.consumeractiongroup.co.uk/wiki/images/0/07/PRELIM.doc PRELIM.doc] |
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+ | [[Category:Bank_Charges]] | ||
+ | [[Category:Legal_Information]] | ||
'''''Page created by [[User:Me01273|Me01273]] 02:35, 20 June 2007 (BST)''''' | '''''Page created by [[User:Me01273|Me01273]] 02:35, 20 June 2007 (BST)''''' |
Latest revision as of 11:49, 11 June 2008
What Is It?
A Preliminary Approach For Repayment letter should be the first letter you send, along with your schedule of charges, to ask for your money back.
An Example of A Preliminary Approach For Repayment Letter
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Red - only include if necessary
DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER
Download This Letter
MS Word Format: PRELIM.doc
Page created by Me01273 02:35, 20 June 2007 (BST)