housekeeper v LTSB

[housekeeper]

can someone please help i have 2 accounts with LTSB i have wrote too them seperately for each account trying too get bank charges back. i am now about too go on 'money claim' to file a form N1 will i have two file two of these forms or will i be able to combine them?

[Michael Browne]

You can combine them in 1 claim as long as they total lessthan £5000, they're both in your name and are personal a/c's

 

MCOL here:

Money Claim On-Line (MCOL) Particulars of Claim

5. Money Claim On-Line (MCOL) Particulars of Claim

 

or N1 here:

N1 Claims form in .PDF format with form filling

N1 Claims form in .PDF format with form filling

N1 - hard copy version - Particulars of claim

4. Particulars of claim - N1 - hard copy version

[housekeeper]

hi its me again i am only claiming back 3 years of charges and have not asked for interest back!! but on the form N1 it asks for overdraft interest

[Michael Browne]

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

 

 

but on the form N1 it asks for overdraft interest

But only if your claiming it. It's not compulsory

[housekeeper]

Hi Just Been Trying To Do Spreed Sheets For 'schedule Of Claim For Charges' What Does 'cleared Transaction' Mean!!

[housekeeper]

hi everyone abit new to this i read quite afew of your threads before going to moneyclaim. must admit found it hard going must of been on the site for a good 3-4 hours!! its done now hopefully done properly!! can anyone tell me the next step is it sending schedule of charges to court?:-?

[BARTY]

Hi and Welcome!

Yes, you should do the following:

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

 

 

And when LTSB acknowledge, send a copy of your schedule to the Solicitors.

 

Good luck, let us know how you get on.

Barty:)

[housekeeper]

Hi Barty Thanks For Info Another Thing Is, The Claim Form Do I Have To Send Copies Of That To Anyone One!! Or Was It Me Getting Mixed Up With The Charges Schedule:?

[BARTY]

Hi again

Nope, think you must have been getting mixed up with the schedule;)

Barty:)

[housekeeper]

Some has just phoned me from my local branch. Saying because i have been banking with them for a long time i am now classed as a premier account holder!! and she would like to meet me!! i didn't really know what to say,:o itold her i had just filed a court claim against them and i intend to close my account with them in April due to their increasing bank charges what a conversation stopper!! she said she was very sorry and said good bye!!

not sure if i said the right thing!!

[BARTY]

You said the right thing, that was so funny!!

Barty:)

[choppedminx]

Excellent

 

Stopped dead in their tracks :D

[housekeeper]

Just had acknowledge from the courts LTSB are to defend. i know i now send a letter to their solicitor and schedule of charges is there anything else i need to do? or just wait!!!

[BARTY]

Hi

Just wait now until they enter a defence. Then you should receive a copy of it and an Allocation Questionnaire to fill in, couple of links below should help you fill that in:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

And if you keep all your queries in one thread it'll help us to help you!

Barty:)

[housekeeper]

ok thanks Barty will keep on this thread, wasn't sure how to keep on a thread!!! not that clever when it comes to computers and doing something like this:confused:

[Janet-M]

your 4 threads have been merged for you

[housekeeper]

can anyone tell me if there is a template letter to send to LTSB solicitors with my schedule of charges:confused: i thought i saw one the other week but can't find it now:!:

[Michael Browne]

When you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

Yours sincerely,

[housekeeper]

thanks michael

yes i have received my notice of adnowledgement:)

[housekeeper]

hi, i was wandering if anyone had their claim from the court 'deemed to be served on the 3rd march to LTSB. I got a acknowdgment of service around the 7th march that they intend to defend!!!, i sent SC&M my schedule of charges and haven't heard a dicky bird since:( i know they've got till the 31st march to enter a defents but i was wondering if someone had done it the same day as me has heard anything:)

i'm just impatient thats my problem!!!!

[BARTY]

Hi

They tend to enter a defence at the last minute.

You need plenty of patience when dealing with these lot I'm afraid!

Barty:)

[housekeeper]

hi just had my N149 AQ afew questions;

[housekeeper]

SORRY!!! Just had my N149 AQ through got to be back on the 7th April, just afew questions;as the form got to be hand written!! i've copied the templates for the QA so i know what to put! when i wrote to the court (money claim) with my schedule of penalty charges i didn't add the £80.00 fee i had to pay to file a claim against LTSB would this matter:confused: will i still be able to claim this back?

[Michael Browne]

Has the form got to be hand written

No you can down load a pdf version here, fill it in and print off:

Allocation Questionnaire - N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/c.../n149_1105.pdf

 

will i still be able to claim this back?

 

Yes it's automatically added to your claim

[housekeeper]

ok thanks micheal