Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
+ Reply to Thread
Results 1 to 5 of 5
  1. 14th June 2006 12:17 #1
    Chingching Chingching is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         Chingching Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2006
    Posts
    6

    Default Interest Charges

    We have received our list of charges back from the Woolwich and about to fill in our Excel sheet. However, we are not sure if we should be including the interesticon charges on this sheet. I seem to remember reading somewhere that you cant, but cant seem to find where I read this.

    Does anybody know?

    Thanks.

    Similar Threads:
    Reply With Quote Reply With Quote
  2. 14th June 2006 13:08 #2
    jonni2bad jonni2bad is offline
    Platinum Account Holder
    Help the CAG!!
    Make a donation         jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad Authoritative jonni2bad's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    balanced
    Posts
    8,495

    Default Re: Interest Charges

    Our spreadsheets will work out the interest on each charge for you - but are you referring to putting the overdrafticon interest they charged you into the spreadsheet?

    You should only include O/D interest if you know for certain that the amounts are due solely to the unlawful charges, otherwise you would be attempting to claim back interest that had been added 'fairly' by the bank.

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Reply With Quote Reply With Quote
  3. 14th June 2006 14:42 #3
    Chingching Chingching is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         Chingching Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2006
    Posts
    6

    Default Re: Interest Charges

    Thanks for replying so quickly.

    The charges i am referring to are listed as IC, Interest charge which seems to be a variable rate taken each month, so i think they must be overdrafticon interest, also they have included them on the list of bank charges requested, which makes me think that they can be claimed back. Still not sure though, would appreciate your thoughts.

    Reply With Quote Reply With Quote
  4. 14th June 2006 15:22 #4
    closey closey is offline
    Classic Account Holder
    Help the CAG!!
    Make a contribution         closey Informative closey Informative closey's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Mar 2006
    I am in
    Brighton
    Posts
    1,386

    Default Re: Interest Charges

    I had a headache trying to work this out, so in the end left of the overdrafticon interest. The general feeling alot of people have on this forum is that if you end up in court, you could say you left it as goodwill to bank to more than cover their costs.

    Lloyds TSB - £972
    S.A.R, prelim and LBA sent
    Claim acknowledged
    Defence received
    AQ 20/06/06
    ***FULL SETTLEMENT RECEIVED 20/07/06***

    Woolwich - £2288
    S.A.R, prelim and LBA sent.
    Offered half
    Moneyclaim filed online 02/08/06
    Judgement filed online 23/08/06
    WARRANT FILED ONLINE 30/08/06
    MONEY RECEIVED BY BALIFF 04/10/06
    ***FULL SETTLEMENT RECEIVED 09/10/06***

    Smile - £175
    Pelim 23/06/06
    ***FULL SETTLEMENT RECEIVED 07/07/06***

    My Ex vs Woolwich - £715
    S.A.R sent 30/08/06
    Pelim 06/10/06
    LBA 20/10/06

    Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
    Reply With Quote Reply With Quote
  5. 14th June 2006 19:00 #5
    Chingching Chingching is offline
    Basic Account Holder
    Help the CAG!!
    Download our toolbar         Chingching Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2006
    Posts
    6

    Default Re: Interest Charges

    That sounds like good advice, ill do that then. Cheers.

    Reply With Quote Reply With Quote
« Previous Thread | Next Thread »

Browsealoud Video Tour



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE