Mr G Holmes v TSB Bank plc: 8002200/2025

34. The claimant received that letter. 35. Upon receipt of that letter the claimant did not take any steps to contact the leasing company or to request an indicative early termination fee at any particular point in time. 36. The claimant continued, notwithstanding his receipt of the letter to utilise the car provided to him and enjoyed the benefits afforded to him under the scheme. 37.