I have now received details of all my charges and sent out a letter asking for £1600 back. they have now sent a lett adv they will not pay so I'm sticking to the timetable.

I fully expect to have to file a claim in court and am confused in relation to the interesticon. Having filled out the excel spreadsheet it's calculated the interest I am entitled to claim on the right hand side but at the bottom it has Judicial interest at 8% which stays at £0.00. Is this seperate or do I have to add more interest??? Very confused (remember I'm filling in the Scottish one)

Thanks

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