Daily Archives: February 20, 2020

Letter to complain about late wedding photographs

[Your address]

[Photographer’s address]

Dear [Photographer’s name]

Re: The wedding of [yours and your partner’s names] on [date of your wedding]

We hired you as the photographer for our wedding on [date] and you were contracted to provide [number of images] from the event.

To date we have received no images. It has now been [number of days/ weeks] since our wedding.

Under the Consumer Rights Act, goods must be received within a reasonable time. We do not believe this is a reasonable time.

Please provide all of the images within the next seven days or we will consider you in breach of contract and will be seeking a full refund of [cost of photographer] and compensation of [amount of compensation sought] for ‘loss of memory of the day’.

Yours faithfully,

[Your name]

Letter to complain to your bank about APP fraud

[Your address]

Dear Sir/Madam

Reference: [Insert account number and any previous complaint reference numbers if applicable.]

On [enter date] I contacted you after being targeted by fraudsters who stole [enter amount] from my account.

[Explain here what happened – include if you can:

  • Date
  • Time
  • Chronological order of what happened, eg you got a text from your bank warning you about an unknown transaction
  • The exact wording of any texts sent to you
  • The bank account number your money was sent to
  • When you contacted your bank and what you were told]

I did not authorise these transactions as I did not know I was talking to a fraudster. The money was taken without my knowledge or consent.

I therefore expect you to deal with my complaint according to the Financial Conduct Authority’s rules on unauthorised transactions, which state that unless you can prove I acted with gross negligence, you should reimburse me for this unauthorised transfer.

The Financial Ombudsman Service says: ‘the increasing sophistication of scams means that the bar for gross negligence is high – it’s more than just a test of whether someone was careless.’

In the last quarter of 2018, the majority of its rulings have been in favour of scam victims, including in cases similar to mine, as banks couldn’t prove the customer was grossly negligent.

In light of this, I urge you to reimburse me for my losses of [amount you lost here] and provide your confirmation that this has been done.

If you do not uphold my complaint, I request you send me your final response so I can refer the matter to the Financial Ombudsman Service.

Yours sincerely,

[Your name]

 Download Letter

Letter to ask the ombudsman to intervene in your property dispute

[Your address]

Dear Sir/Madam,

Ref: [address of seller’s property]

I am writing about my dispute with [property agent name and address], who I understand is a member of your scheme.

My dispute concerns [details of your complaint].

I enclose copies of all relevant correspondence, including the particulars that the [estate/letting/managing – delete as appropriate] agent drew up on my behalf.

I have been unable to settle the matter with [property agent], and am therefore referring the matter to you in the hope that you will be able to resolve the dispute.

I look forward to hearing from you within the next 14 days.

Yours sincerely

Letter to request missing parcel replacement

[Your address and contact number] 

[Company/supplier’s address]

[Date]

 

Dear Sir/Madam,

[Reference: order number]

On [date], I [bought/placed an order for] a [item].

I did not receive the item and on contacting you I was advised that the delivery driver had left the item [with a neighbour] [add details of the location where the item was left].

Under the Consumer Rights Act, the goods remain at your risk until they are received by me and I would request that you now make arrangements for the [item] to be delivered to me without delay and would request that you confirm that you will do this by return.

Yours faithfully,

[Your name]

Letter to cancel a contract made through doorstep selling

[Your address]

[Company/supplier’s address]

[Date]

Dear Sir/Madam,

[Reference: Contract/order number]

On [date], following a visit from one of your salespeople to my home, I entered into the above contract to buy [item or service].

I paid [a deposit of £xx] [the sum of £xx] however, I have now decided that I don’t want the [item or service].

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off period, in which consumers can cancel contracts made away from the trader’s business premises.

[If appropriate – At the time I took out the contract you also arranged [details of the ancillary contract, eg an extended warranty] accordingly this contract should also be cancelled.]

I am hereby giving notice that I wish to exercise my rights under the Regulations and cancel my contract with you.

I look forward to having my deposit returned within 7/14 [delete as applicable] days.

Yours faithfully,

[Your name]

Letter to complain about tickets that are not what you ordered

[Your address]

[Suppliers address]

Dear Sir/ Madam

Ref: tickets for [event] on [date]

On [date] I purchased [xx] tickets from you for [event]. At the time of purchase it was clearly stated that the seats were [add details that are wrong, for example, the location or date]. However, upon receipt of the tickets I noticed that the seats were [explain why tickets are not what you ordered].

I only agreed to pay [£xx] for the tickets based on your description. And, under contract law, you must provide tickets that match the description given at the time of purchase.

By not providing tickets as described at the time of purchase you are in breach of contract.

Following your failure to provide replacement tickets [my letter/ phonecall dated xxx] I am exercising my right to reject the above tickets and claim a refund.

I am returning the tickets [enclosed]. Please send a full refund, within the next 14 days.

If I do not receive a full refund within 14 days  I shall refer the matter to STAR [if a member].

[or if not a member of STAR the following paragraph:

If I do not receive a full refund within 14 days I shall refer the matter to the small claims court in accordance with the Civil Procedure Pre-Action Protocol without further reference to you.

As this is a formal letter I must refer you to the Practice Direction on Pre-Action Conduct and in particular to Paragraph 4 concerning the Courts powers to impose sanctions for failure to comply with the Practice Direction.]

I look forward to hearing from you.

 

Yours faithfully,

Letter to claim compensation for lost luggage

Your address]

[Company address]

Dear Sir/Madam

Ref: Lost Luggage

Flight: [insert flight number]

I flew with your airline on [date] between [departure airport] and [arrival airport].

My checked in luggage did not arrive at my destination and has now been missing for 21 days.

Under the Montreal Convention I would like to claim [£xx] compensation for my lost luggage.

I enclose copies of my receipts for replacement items.

Yours sincerely,

[your name]

Letter challenging a company’s unfair contract terms

[Your address]

[Company/ supplier address]

Dear

[Reference: contract number or service reference number]

I refer to our previous [correspondence/conversation] in which you have stated your contract allows you to [give details of what the contract enables the company to do].

Specifically you seek to rely on the following term in the contract: [give details of the term in question].

I consider that this term is unfair pursuant to the [Consumer Rights Act 2015 OR Unfair Terms in Consumer Contracts Regulations 1999] for the following reasons: [set out your basis for challenging the terms]

For the reasons stated above, this term is not enforceable against me.

[Set out the consequence of the term not being enforceable, for example are you entitled to some money back or are you saying that the trader is not entitled to additional sums that they’re claiming?]

I look forward to hearing from you in the next 14 days.

Yours faithfully,

Letter of deadlock before going to the ombudsman

(Your address)
(Company address)

Dear

Ref: (nature of your complaint/reference number)

I am writing with regard to the above complaint. I wrote to you on (date) and (date) asking you to do (describe the action you asked them to take) to resolve this complaint.

However, your attempts to resolve the problem have not been satisfactory and you claim that there is nothing more you can do to help me.

I feel that we have reached a deadlock situation and, therefore, I am left with no alternative but to take my complaint to the (name of) ombudsman.

Please issue me with a letter of deadlock so that I may refer this matter to the (name of) ombudsman.

If I do not hear from you within 14 days I shall assume that you are in agreement that this case has reached deadlock and I shall refer my complaint about you to the ombudsman without further reference to you.

Yours faithfully,

(Your name)

Letter rejecting your insurer’s offer on a claim

[Your address]

[Company address]

Dear

[Ref: policy number]

Thank you for your letter of [date], offering only [£…] in respect of the [item], which was [details of loss/damage] on [date].

Since receiving your offer I have found a valuation certificate made by [valuer] dated [date] valuing the [item] at [£…].

In light of this valuation, a copy of which is enclosed, I feel your offer is too low and ask you to reconsider my claim.

I look forward to receiving your revised offer within 14 days.

Yours faithfully,

Design a site like this with WordPress.com
Get started