my action before sending letter 3)letter before action to bank?

[simonandjason]

Hi,

Please can someone advise what needs to be done before i send the letter before action to the bank.

All other letters have already been sent and replied to, but thie last one, asking for charges back.

The letter is here signed and waiting to be sent but i wish to know what i do
to setup a court date should it get that far.

the info pack on this site only have previous cases in the zip file.



thanks

Jason

	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

[mrsfoot]

Have you followed the process and sent the 2 letters before giving the bank 14 days on each to respond?

[simonandjason]

yes i have.

[Michael Browne]

Is this Monument or Goldfish? You are starting a new thread for every question which makes it impossible for people to see what stage of the process you are at?

Is the letter you are waiting to send the LBA?

	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

[simonandjason]

yes the letter is the LBA,

what i am wanting to know is how i setup a court date should it get that far.

	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

[Michael Browne]

what i am wanting to know is how i setup a court date should it get that far.

You don't. Once you have filed at court 14 days after your :LBA, and the bank has acknowledged and filed a defence and you have returned the AQ, the court will set a hearing date.

	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

[simonandjason]

ok, i send the LBA letter to bank, and after 14 days have pased and either the bank have replied or no replied to this letter, what would the next step be, this is what i wanted to know, just in case.

please advise what AQ is ?

thanks

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	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

[Michael Browne]

http://www.consumeractiongroup.co.uk...ad.php?t=31460

[simonandjason]

Ok, I have read again this page and been told by a friend that i should also claim for interest charges.

I have found and downloaded the Simple-charges-calc.xls but this works out the interest at 8%, but there is interest for cash and merchandise, the interest is not always the same rate, i mean it is 1.825 on one statement and 1.833 on another and 2.5 on other ones, it varies from month to month.

how do i work it out for these types of interest?

is there a chart on the site to work out this sort of interest, and also which one should i use.


Thanks

	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.

[Michael Browne]

Go back here:
http://www.consumeractiongroup.co.uk...eadsheets.html

and click on 'Vampiress Chamber Of Spreadsheets'. You will need to create a Google a/c to access them.

[simonandjason]

thanks,

i have gone to the google page and have no idea what one to get.

My brother has a Monument credit card, and as for wheather it is a compounded contractual interest or any of the other types i have no idea? !

please advise.

thanks

	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.

[Michael Browne]

Me, giving advice on spreadsheets? It'd be the blind leading the blind

Your best bet is to ask for advice here:
Spreadsheet with interest