Letters from banks

Banks send a variety of standard letters, initially demanding payment, then threatening to report you to credit reference agencies and finally they threaten you with debt collectors. These are standard letters, they are not writing to you so don't take them personally. You will notice that some of banks don't know how to deal with the letters, so presume that you are making a complaint and then go through a ridiculous procedure after which they decide that you have no grounds for complaint but can challenge the decision with the financial ombudsman. Others simply ignore the lawful case we are making and continue to harass you for a little while and then sell the debt off to a debt collector. None of the letters below have resulted in court action... (Some personal details have been removed)

Click on the letter to see it full size-