Letter before Action

[TAGAMISAN]

Firstly, how the heck do I find my last thread on this forum. Secondly I am just putting together the info for the LBA BUT I don't understand part of it, can someone explain please.
"
I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX."

I don't understand the bit about plus £XXX in overdraft interest. What is this, because the forum says not to include the 8%, where do I get the figure for the overdraft interest? Sorry to be so thick, but I want to get this correct.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[bp]

Originally Posted by TAGAMISAN

Firstly, how the heck do I find my last thread on this forum. Secondly I am just putting together the info for the LBA BUT I don't understand part of it, can someone explain please.
"
To find your threads go to USER CP at the top right end corner of the site. there you cab view all the threads you have subscribde to.

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX."
I've answered this on your other thread
I don't understand the bit about plus £XXX in overdraft interest. What is this, because the forum says not to include the 8%, where do I get the figure for the overdraft interest? Sorry to be so thick, but I want to get this correct.

The interest should be on your statements.
If you need anymore help, just ask

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[younganfree]

Hi, TAG.

To find your threads, click on your username in the top left hand corner of your post, you will see something like 'find all posts by ...' and 'find all threads started by ...'. Click, and you're away!

The 8% is what you will be charging them for 'lending' them your money over the past 6 years or so; the interest you speak of is the amounts of interest they have charged you each month for being o/d, and which are listed on your statements.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[TAGAMISAN]

Thanks youngandfree. I will get this finished tonight and the LBA will be in the post tomorrow. Will let you know how I get on.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

Younganfree, that 8% can only be claimed when you sue and not before. The bit you can claim is interest on the charges not 8% statutory interest at court stage. If you have not claimed contractual at the start you cannot write an LBA with interest after the prelim.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[younganfree]

Yes, Nattie, thanks, but Tag already new she couldn't claim the 8% till the court became invoved, so I didn't mention it again.