Got my statements.

[diamond1897]

Hi fellow troublemakers,

I've just got my Statements back from the Halifax today and have totalled my Charges up to £2280 for the last 5 years(I'm Scottish). When I send my letter to claim this figure back, do I include 8% interest on this figure (using the excel spreadsheet) at this stage? As there is the following warning statement in the excel thread......

Do not use until filing claim!!!

"If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back".

.......or do I send my claim of £2280 + overdraft interest and then wait 14 days.
and then ONLY after not recieving a refund do I start adding the 8%?

Please excuse my ignorance, or if my question has been asked a million times.
If anyone has a link to a thread that has covered this already, then I would be grateful.

I will keep you all updated on my claim.

Thanks.

[bram stoker]

Hi,

You do not claim the 8% until filing at court.
Take a look at the notes within my spreadsheet if you need further clarity on this, and read further around the forum.

Come back here if you've any more questions.
Good luck,
Vamp.