dnash20 v Alliance & Leicester

[dnash20]

Hi folks, ive send off the LBA to A&L and got the usual letter back saying no refund blah blah blah. Its getting close the the 14 day cut off date now and i wanna take them to court but im abit unsure of the specifics. Ive printed off the claim forms but what do i do now?

Also do i need a solicitor to do this because i cant really afford to pay for anything like that at the moment.

[joe1969]

Hi dnash,
I presume its the N1 youve printed off if so then if you click on this link it will tell you what to write on it.
4. Particulars of claim - N1 - updated version now available

Also you won't need a solicitor to deal with this. If you have any questions just post them in your thread and fellow claimers and Moderators will answer them for you
Joe

[dnash20]

One more thing im abit stuck on.

On the original schedule that i sent off i deleted the interest column because i didnt have an overdraft on my account and presumed i didnt have an interest rate on when i went "Overdrawn". Having checked back through my bank statements again ive noticed that A&L have been charging me interest for going into "my overdraft", it only works out to be 10-20p each time, but can i still claim this back and also the 8% even though im 3 days away from sending the Claim form??

[joe1969]

Hi ,
I personally didn't claim the overdraft interest as it wasn't that much anyway but i think you can only claim that part of the interest that is apportioned to the charges when you went overdrawn.

As regards the %8 , this is s.69 interest which you can claim for on your N1 form when you file with the court. Have you filled a spreadsheet out that you can get of this site as this will work out the %8 for you.

Joe

[dnash20]

Yeah ive downloaded it and worked out the 8% interest. Comes to a whooping £5.40 but every little helps to stick it to the man.

Also how do i work out the daily interest rate that it asks for on the N1 form?

[sea-sidelady]

The daily interest is the amount of charges x0.00022

Example £1,578 x 0.00022 =34p (daily interest)

If you have an overdraft then you include your interest with the charges and x the full total.

[dnash20]

Well ive just sent my court claim letter off to A&L so ill keep you all posted.

Thanks for all the people who have given me advice and assistance its much appreciated

[dnash20]

Any advice on this?

Ive sent off my N1 form last week and ive found i had a missed call asking for me to call my bank. Should i call them back and find out what they want or just leave it and wait for the 14 days to expire?