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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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Preliminary approach for repayment


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Hi. I am about to send my preliminary approach for repayment letter to the Bank of Scotland and i'm finding the whole experience rather daunting!!!

 

I'm a bit confused about what interest i have to include with my request. Am i requesting refund of the Account Maintenance Charges that were applied to my account each month my account went overdrawn, or is there some other interest that i should be requesting back?

 

Once i know this information i will then be able to complete my spreadsheet.

 

Many thanks

Scott

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You do not include any interest at this point. Just the charges that have occurred.

You wont need to add interest until (and IF) it went to court action (MoneyClaim) :)

 

Good luck and dont be nervous.

 

It gets better as it goes on ;)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Thanks Fullyskinted your help is much appreciated.

 

Basically, i just include all my excess overdraft charges and account maintenance charges for the last six years.

 

I feel more confident already :)

 

Thanks again.

Scott

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I personally just went for the easy option - i.e. just the charges /fees. SOme have gone the whole hog and gone for the overdraught interest, but imho its not on (this si MY opinion remember ;) ) - if you have an overdraught and use it then the bank is well within its rights to charge you its interest rate applied to overdraughts.

It also makes the claim a lot easier to work out ;)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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I think i will do just that and go for the easy option. I have to claim back £609.00 in excess overdraft charges and £312.00 in account maintenance charges. As for any other interest i wouldn't have a clue how to work it out!

 

Cheers.

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I think i will do just that and go for the easy option. I have to claim back £609.00 in excess overdraft charges and £312.00 in account maintenance charges. As for any other interest i wouldn't have a clue how to work it out!

 

Cheers.

 

I take it you have the simple calcs excel sheet?

 

If not, go get it! I think it was Vampiress that posted them.

 

On the sheets it has the columns you need, incl the 8% interest from date of charge/fee.

 

Very handy! ;)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html?highlight=spread+sheet

 

Use this. Until it goes to court action you dont need to include the 8% interest on the schedule of charges sheets.

 

Just alter the print area accordingly :)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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