WON!!! Bank Smart breach of contract charges!

[Joncot2570]

Re: Bank Smart breach of contract charges!

just sent

[Joncot2570]

Re: Bank Smart breach of contract charges!

only a loan with barclays a long while back

[EXC]

Re: Bank Smart breach of contract charges!

just sent

I haven't got it yet, did you send it to me?

[Joncot2570]

Re: Bank Smart breach of contract charges!

Yes, will send again

[EXC]

Re: Bank Smart breach of contract charges!

I've got them but I can't open the files, they're DAT files. Can you send be them as photos (JPEGS) ?

[Joncot2570]

Re: Bank Smart breach of contract charges!

Just sent photos, can send better scan later when I get home

[EXC]

Re: Bank Smart breach of contract charges!

No that's fine I can read it.

So they're now saying that they successfully claimed a PPI refund for you that, going by the amount of commission they're charging you, would have been about £3k. I take it that you never got a PPI refund from anyone?

Obviously they say they'll settle for the exact same amount as what they think you owe them for 3 'breach of contract' invoices lol.

That it's a 'without prejudice letter before action' (there isn't such a thing) indicates that they haven't got a clue what they're doing so I wouldn't worry or respond, you've already told them you won't communicate with them until they deal with your complaint.

Was the invoice summary (with the £1023.60 total) included with the letter?

[Joncot2570]

Re: Bank Smart breach of contract charges!

Can you open attachments

[EXC]

Re: Bank Smart breach of contract charges!

Yes, see my post #52.

[Joncot2570]

Re: Bank Smart breach of contract charges!

There was no invoice summary included, only the 4 pages I sent you
I've never received any PPI / default charges / refunds or anything from bank smart since when I asked them to claim for me in2013?
I did have PPI for a few hundred pounds that I
Claimed myself with a different lender (not Barclays)back in 2008 as I had paid the loan off early and reclaimed with them direct

[EXC]

Re: Bank Smart breach of contract charges!

Ok, one of the 4 pages you sent was an 'invoice summary' which was a list of the 3 breach of contract invoices. So their contention in the letter that you owe them for a single PPI refund commission invoice doesn't make any sense.

Let us know if & when you hear anything further from them.

[Joncot2570]

Re: Bank Smart breach of contract charges!

This is what I received this morning "The Ombudsman requests that we split the claim into the individual reference/account/card numbers."

Shall I just leave now and wait for reply from complaint?

[EXC]

Re: Bank Smart breach of contract charges!

"The Ombudsman requests that we split the claim into the individual reference/account/card numbers."

That makes no sense whatsover, they're just trying to intimidate you with lies. Yes don't respond further until they've sent you a final response to the complaint. The rules are that they must send you an acknowledgement within 5 days that they have received the complaint and they have to give you a final response to the complaint within 8 weeks. At that point (or if they don't give you a final response in 8 weeks) you can take the complaint to the legal ombudsman.

[Joncot2570]

Re: Bank Smart breach of contract charges!

That's great thank you so much

[EXC]

Re: Bank Smart breach of contract charges!

You're welcome.