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I'm trying to reclaim about £3k from the Abbey, should have done this a long time ago when I had more time on my hands, but like everything I keep putting it off and now i'm juggling this with a 3 week old baby, so ANY help would be much appreciated!!
I sent off my data request letter and fee in Feb, and recieved my statements, and the spreadsheet of charges that they seem to be sending out these days, along with a refund of my £10 fee as it took slightly longer than the 40 days.
I am now preparing my prelim. letter but am totally confused by the schedule of charges spreadsheet, do I claim the interest at this stage?
I'm answering you on this thread to keep your story together. Leave the "Days since offence " off along with the interest.
Do you know how to hide columns in a spready?
cf
All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion
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I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.
Ok, At the risk of driving everyone loopy with my questions....
On the spreadsheet, do I need to enter the EXACT date of the charge?
Abbey sent me microfiche from January '01 to January '04. and statements from March '06 to April '07 These state the exact dates.
They then sent me a spreadsheet of all charges from January '04 to December '06 which covers all the missing months, but only states the months the charges were added not exact dates?
Is this a problem? Or for those dates should I just include the month?
HI Vicki
I had the same problem so i just looked at the date they took the charges on my proper statements and they were always around the 7th or 8th of the month, so i just put in the 8th for all the months on the spreadsheet that they had only given a month
Does that make sense?
Have you got any charges on statements that you can look at?
WOW I've just noticed that i have a reputation comment from you!! Thank you, It's usually me looking for everyone else's help, didn't expect that came across it by accident
Reading that back, I may have over complicated it a bit!
All I need to know is can I get away with putting the month of 'offence' or does it have to be exact date?
Vicki
You need a date so that the spreadsheet can calculate the number of days from then til now so it can calculate the interest! As sutherm says they take the charges on or around the same date each month, so all you need to do is find a statement with a recent charge and see when that was taken and use the same date for each month!
Well done.......I reckon you should have your money back by halloween, but you'll definitely get it back!!
All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion
......................... ......................... ....
I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.
Right, Day 14 and here's where it all gets a bit scary and I need real help!
I'm going down the N1 route as from what i've read it sounds like the better option.
Question time!
1. I want to deliver my N1 by hand, does it have to be to my local County Court? My local court is actually a magistrates court, but obviously if it has to be to the county court then so be it!
2. Re my schedule of charges, I have to admit I'm a total spreadsheet noob, and a self taught one at that! I managed to hide the interest columns for the prelim and lba stages, I'm guessing here's where I unhide them, but I can't work out how, I did it before but have a horrible feeling they have disapeared now as I can't do it again!:?
3. In the charges bit of the N1, in the template it has overdraft interest, Is that the bit that I get from the spreadsheet? Then Interest under s.69 County Courts Act 1984 - What is this? How do I calculate it?
Thanks in advance, sorry to be a pain but I really want to get this right!
2. How did you hide the columns? Did you use the tools or close them up? If you want to email me the spreadie I'll have a look for you (I'm pants at all the legal stuff, but not bad on spreadsheets!)
3.No, the overdraft interest is the interest charges Abbey put on your account when you are o/d. The interest under s.69 is the 8% from your spreadie, then you do the following calculation to work out the daily rate:
your total claim amount at the date of submission x 0.00022
to give you an amount, for example mine works out to £1.75 a day.
I did hide the columns as I managed to get them back at one point, but I can't do it again!:-| I will take you up on your offer of help if that's ok, thanks for the pm, i'll forward my spreadie in a mo!
Where do I get the OD interest from then? Do I need to go through my statements again and look for any that was taken and add it all up?
MissPhonic v Abbey
, should have done this a long time ago when I had more time on my hands, but like everything I keep putting it off and now i'm juggling this with a 3 week old baby, so ANY help would be much appreciated!!
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Originally Posted by MissPhonic
Re: MissPhonic v Abbey
Re: MissPhonic v Abbey
