Between the dates of 15/02/01 and 17/10/06
the Defendant applied numerous default
charges to the Claimant?s bank account.
The charges applied constitute an unfair
penalty under the Unfair Terms in Consumer
Contracts Regulations, which state: ?A term
is unfair if it requires any consumer who
fails his obligation to pay a
disproportionately high sum in
compensation?. The amount charged does not
reflect the cost of the breach.
Under the County Courts Act 1984, the
claimant is entitled to interest
at a rate
of 8% per annum from the date they were
first deprived of the money to the date of
this claim. This amounts to a total sum of
£914.37, continuing to accrue at the
statutory daily rate of 0.021% until
judgment or earlier payment.
The Claimant therefore asks the court to
enter judgment in their favour for the sum
of £4284 plus interest, amounting to a
total of £5198.37.
The letter also states I need to set out the particulars of the claim in plain english. Surely this is plain enough no? I am presuming there is just something I need to add.