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Verderame, Nicholas A. & Joy Attorneys

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A customer asked me to send him a letter containing the prices of items that he wants to buy from me. How to write this offer? What shall i mention in it?.

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If they do acknowledge the claim, they then have 14 days to submit a defence (making 28 days in total from the date the claim was served). If they don't then you can again request a "Judgement by Default", and get back your charges, interest and court fees as above.. . If they file a defence, then you and the bank get an "Allocation Questionnaire" to fill in. Some judges dismiss the case at this stage, as the bank can't win, so again you win. If this doesn't happen, a hearing date is allocated. The bank will either back out before the hearing, or won't turn up in court. Again you win the case and get your charges, interest and fees.. . Follow the correct procedures and you will get your charges back! Its important to send all letters to the bank and courts by recorded delivery, so you can prove they were received, and more importantly when they were received (which you can find from the tracking section of the Royal Mail web site).. . Also make sure that you send all letters to the banks head office, and not your local branch. Don't phone the bank either, as this can delay things and you have no proof of whats been said.. . Have a look at my site below which has detailed step by step guides to the whole process of claiming your charges back. It also has template letters you can put your details into and send to the bank, and forums for one to one advice. We also have a guide to filing your claim in court online, which is unique to the site.. . Claiming your charges back is easy, and using the guides on my site you can get 100% of your charges back, plus 8% interest on top if the case goes to court (which it almost certainly will do). Don't be put off by the thought of going to court though, the banks will settle before the hearing, or won't turn up.

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