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

simonandjason · 12th December 2006, 10:54

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

mrsfoot · 12th December 2006, 22:05

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

simonandjason · 13th December 2006, 00:03

yes i have.

Michael Browne · 13th December 2006, 00:16

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?

simonandjason · 13th December 2006, 17:35

yes the letter is the LBA,

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

Michael Browne · 13th December 2006, 17:39

Quote:

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.

simonandjason · 13th December 2006, 19:44

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

Michael Browne · 13th December 2006, 19:52

Example Step-By-Step Instructions - Now updated to reflect the OFT court judgment

simonandjason · 13th December 2006, 21:40

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

Michael Browne · 13th December 2006, 22:05

Go back here:
6. Interest calculation spreadsheets

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

simonandjason · 13th December 2006, 22:17

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

Michael Browne · 13th December 2006, 23:16

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

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