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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Thread: Quick Question

  1. 5th May 2006 12:17 #1
    Dappa44 Dappa44 is offline
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    Default Quick Question

    I have just received my statements and am working out what they owe me.

    My question is this.....Using the Preliminary Letter Template, it states " I calculate that you have taken £XXXXXX from my account plus £XXXX in interesticon charges"

    But the Excel spreadsheet for working out your interest states thats you should ask for the interest in your preliminary letter ??

    Could someone please clear this up for me as im gagging to send the Preliminary letter.

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    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
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    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

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  2. 5th May 2006 12:20 #2
    Bovvered Bovvered is offline
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    Default Re: Quick Question

    They are two different types of interesticon. The interest in the prelim letter is interest they have charged you because their charges have made you go overdrawn. The interest in the excel spreadsheet, is the interest you are allowed to charge them by the court.

    25/06/08 - NatWest - Prelim letter
    09/03/06 - Halifax - Settled 27/4
    22/03/06 - Capital One - Settled 24/6
    17/04/06 - Nationwide - Settled 8/9



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  3. 5th May 2006 12:38 #3
    Dappa44 Dappa44 is offline
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    Default Re: Quick Question

    ahhh i see, do i have to claim the interesticon back or can i claim without the interest?

    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
    Claiming back     = £3913.65

    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

    Letter Before Action Sent     9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

    Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

    Acknowledged 15th June (28 days to defence)
    Time up on 13th July.

    Defence Recieved 7th July

    Going Before the Judge 15th September

    Court Date 5th December
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  4. 5th May 2006 14:12 #4
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    Default Re: Quick Question

    The way I understand it, you can claim both types of interest back. However, the Bank's overdrafticon interest can be applied from your first letter, but the 8% must be applied when you submit the actual claim to the SCC.

    reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.
    reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.
    reload vs Capital One - £456.57 Settlement Reached 14/07/06.
    reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

    Lloyds Bank - The Template Response Letters!

    Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  5. 5th May 2006 14:40 #5
    Dappa44 Dappa44 is offline
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    Default Re: Quick Question

    Thx for the replies guys,

    Think i will leave out all interesticon until it goes to the SCC.

    Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

    Statements recieved     5th May 2006
    Claiming back     = £3913.65

    Preliminary Letter Sent     5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

    Letter Before Action Sent     9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

    Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

    Acknowledged 15th June (28 days to defence)
    Time up on 13th July.

    Defence Recieved 7th July

    Going Before the Judge 15th September

    Court Date 5th December
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE