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.
Hi all, have been addicted to this site now for about 2 weeks but as yet have not had the courage to get the ball rolling. Delivery of final statements this morning - no getting out of it now!! Is my first step to do the spreadsheet to send with my first letter or do i send the letter on its own first? Its actually the spreadsheet thats putting me off, do i really need to do one? Thanks for any advice on this X
Thx for that, also a bit nervous cos the amount i'm claiming is over the 5K small claims amount but having just read the newsletter that said Natwest seem to be settling very quickly now, is that only for small amounts?
Fast track is not necessarily something to be frightened of. Yes, there is the risk of up to £750 costs if you lose, but there is Standard Disclosure, whereby the bank would be forced to reveal a braekdown of their costs, so they tend to settle rather sharpish
I already had all my statements bar 4 month in 2001 so havent actually had to "request" 6 years worth of statements, should i be writing to ask them for "list of charges" or do i go with the ones i have highlighted on my statements already and fill them in on the letter? I am totally confused with the interest bit, have been reading and reading up on this but its just not sinking in . Maths was never my strong point! What happens if i get all my figures wrong, do they check everything? I am really concerned that i will come across as not knowing what i'm doing if they discover and error Hellllpppp
should i be writing to ask them for "list of charges"
Up to you. If you do, you can always amend your claim at any time right up to filing
I am totally confused with the interest bit,
There are 2 instances of interest you can claim:
1.When you go overdrawn the bank will charge you interest, perfectly lawfully.
However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.
Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this
It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother
This is the interest referred to in the preliminary and lba letters.
2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim
I am really concerned that i will come across as not knowing what i'm doing
Brilliant that makes good sense to me. At the moment i am having trouble saving the spreadsheet to my desktop so i can fill it in in stages, having never used exel am finding this bit tricky, any shortcut copy/past buttons i can use? Thanks for all your help so far Michael, i am sure i will be up to the wee hours inputting my figures but at least it will be done without the interference of children wanting to use the computer.
I am waiting for my Abbey national statements for the past six years I have from November 2005 to present. They were requested on 6th February, and have today received a letter wish the following;
"Dear Miss Jones Thank you for your recent enquiry, requesting information onyour bank account. I also acknowledge receipt of your £10-00 fee. I confirm that arrangements have been made for the information you have requested to be sent to you. The transactional information remaining on our systems, normally covering the last fourteen months, will be sent out in the form of individual duplicate statements. You should receive these within five to seven working days of the date of this letter.
Any previous trnsactions have been archived onto microfiche and it is not possible to provide you with a computer print out of this infomation. However, we have made arrangements to send you a list of archived transactions between 2001 and 2005, under separate cover.
With regards to any 'manual interventions' that may have been made on the account. We consider 'manual intervention' to mean an action this is not automatic or computer-driven. Not all manual interventions are recorded, for example if a member of staff looks at a paper document relating to an account, a record is not always required. Similarly some interventions may relate to work carried out by a department rather than individuals where no central record of activity is kept because this is not the kind of information we need, or more importantly, that a customer would usually request.
if you have any questions please call us on the above number."
Has anyone else had this letter? Is it basically telling me that it will not show all the charges I have incurred?
Please, if anyone can advise me what I should do, please get in touch.
Thanks,
Lisa.
Hi all, have been addicted to this site now for about 2 weeks but as yet have not had the courage to get the ball rolling. Delivery of final statements this morning - no getting out of it now!! Is my first step to do the spreadsheet to send with my first letter or do i send the letter on its own first? Its actually the spreadsheet thats putting me off, do i really need to do one? Thanks for any advice on this X
Hi, I have just sent off my first letter to the Halifax for £614-00. I photocopied all my statements and highlighted all the charges I have incurred, rather then do a spreadsheet. A friend of mine did the same and she has just been paid out.
Good luck.
Hi, thanks for that, think i will sleep on it and decide which option to go for in the morning, dont think i will go for the interest anyway now, it all sounds a bit too complicated to work out, but my claim will still be just over 5K which will clear the overdraft
Can anyone tell me if i should be starting a new thread in the Natwest bit coz ideally thats where i'd like to be and do i just do "new thread" when i'm in natwest? Ta very much
thanks, am midway thru my spreadsheet now, going much quicker than i thought. I am not including overdraft interest as it takes me way above the small claims limit so i will see what i come out with at the end, still mite be above
I have now finished entering details on my spreadsheet but unfortunately i needed more rows!!! I seemed to have slightly messed up s/s. Rows 118-146 have not been calculated in any column, can anyone help me please?
Am I being TOTALLY thick or what? Can someone please check that i have a thread in the Natwest forum cos i seem to be replying to myself . I presumed i just did reply and everyone saw my question, obviously not do i start new thread for different subject?
If you are using excel, assuming the spreadsheet is protected, unprotect it, then copy the formula from one of the cells that is working properly and paste it into the cells where it isn't calculating. You can paste it into multiple cells by highlighting the batch from 118-146.
Jetspark v Natwest **WON**
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but having just read the newsletter that said 
. Maths was never my strong point! What happens if i get all my figures wrong, do they check everything? I am really concerned that i will come across as not knowing what i'm doing if they discover and error 
Re: Ready 2 go now!!!
Originally Posted by Jetspark
