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)


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  1. 8th November 2006 18:23 #1
    Sjkl18 Sjkl18 is offline
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    Default do i have to claim overdraft interest?

    Have decided to claim against the Woolwich for charges on my account.

    First of all I requested a list of charges owed to me, which they sent and I have added up to be £1682. The last three charges that occured have since been refunded after ringing them and asking for a refund.

    I have been reading the threads on the site and have the template for the preliminary letter ready to fill out. The only problem i have is with the overdrafticon interest. How do i work it out? is it 8% for all banks? i am claiming for the period 24/04/02 - 21/08/06. Do i have to claim it back?

    I would be grateful for any help anyone can give me as I am nervous about this whole process and am dreading filling out the court papers!

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  2. 8th November 2006 20:51 #2
    e28bigalbexley e28bigalbexley is offline
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    Arrow Re: do i have to claim overdraft interest?

    Hi Sjk

    You dont have to claim it and i think, if the penalty charges are the cause of the overdrafticon then yes, but it is a bit .

    im sure someone could help if you needed it. If its £40/50 it may not be worth the hassle and just worth sticking with your Penalties and the interest attached to them. Its up to you.;-)

    AL








    -------------------------
    CAPITAL ONE * SETTLED*31st Oct 06
    HBOS *SETTLED* 8th Oct 06
    WOOLWICH *SETTLED*12thJan2007
    Monument (Barclays) *SETTLED*10thMar2007
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  3. 9th November 2006 11:49 #3
    paddym paddym is offline
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    Default Re: do i have to claim overdraft interest?

    yeah BigAls right i didnt bother with overdrafticon interest just my charges and added 8% when i issued my county courticon claim !

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  4. 9th November 2006 13:59 #4
    Sjkl18 Sjkl18 is offline
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    Default Re: do i have to claim overdraft interest?

    Hi,

    Thanks for the help and i won't claim for the overdrafticon interest. I am sending my preliminary letter, so do i need to add the 8% now and put it in the letter or wait till the claim goes to court and add it in in the court papers?

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  5. 9th November 2006 16:09 #5
    MadMat MadMat is offline
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    Default Re: do i have to claim overdraft interest?

    When you send the preliminary letter (and lbaicon) You just claim back the charges. The 8% Statutory interesticon is added when you file the court claim.

    Have a really good read of the FAQ (especially the step by step guide) before you start sending letters, if you get it wrong you could either delay your claim, or worse allow them to wriggle out of paying on a technicality!

    FAQ here http://www.consumeractiongroup.co.uk...splay.php?f=92

    There are templates for the letters here
    http://www.consumeractiongroup.co.uk...splay.php?f=33

    Mat

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  6. 9th November 2006 16:27 #6
    MadMat MadMat is offline
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    Default Re: do i have to claim overdraft interest?

    When you send the preliminary letter (and lbaicon) You just claim back the charges. The 8% Statutory interesticon is added when you file the court claim.

    Have a really good read of the FAQ (especially the step by step guide) before you start sending letters, if you get it wrong you could either delay your claim, or worse allow them to wriggle out of paying on a technicality!

    FAQ here http://www.consumeractiongroup.co.uk...splay.php?f=92

    There are templates for the letters here
    http://www.consumeractiongroup.co.uk...splay.php?f=33

    Mat

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