Without nicking brooklyn's thread too much...The money isn't there yet, just sent the letter back today.(rec.delivery). A touch over 7 weeks, since my first letter requesting the refund.(after receiving statements) So not bad at all. Well done me? Well, thanks to this and MSE, without who's forums I wouldn't have attempted it without...

Not read this in the posts before, that's not to say it's unusual, I just think it's standard stuff (IMO). We didn't receive such a letter, just the statements in about two weeks. Incidentally, FYI, just to let you know RBS have paid up! I hesitated filing for court...and decided to wait the 8 weeks...and lo n behold they offered the full amount minus the intrest. Would have been nice to get that too though...but hey...better than nowt! This will *BUMP* your thread up a bit again, maybe someone will have a definitive answer to your post. Regards Clakkers

OOps lol

Well Vonnie32, Kurt_Hamster... Decided to wait for the FOS deadline, the N1 form fried my little brain. It was only another 2 weeks anyway. And so, Full offer of original claim 'blah blah blah'... WE WON! Thank you both for posting your advice to me, it is appreciated. I will continue to come here however, going to investigate pre 6yrs, although i suspect i will need to get my head on properly for that one! T H A N K - Y O U !

So the value of your claim would be... Amount of Charges 8% Statutory Interest on those charges Court Costs So the above is all i put on there? Kurt_hamster, many thanks for your input. I emailed Sandy again, just in case, got a reply saying, court is your decision etc, but your reply is due in two weeks. Im guessing this reply could offer a part amount, whole amount minus interest etc... I will decide tonight whether to go to court or not. Thanks for your input mate.

ummmmmmmmmmm Allo Kurt_Hamster... I have put on it... 1/Charges £100.00 (not exact amount just example) Interest under s.69 County Courts Act 1984 £10 (intrest at 8% on each charge since being charged) Court Fee £50.00 2/plus intrest pur.s69 cc act etcetc from date of issue to settle/judgem. at 0.00022 per day or at such rate court deems appropriate Um, I take it from your note, that paragraph 2/ is other intrest on top of our claim?>>> My god, I knew in my heart i was going backwards with my thought process... What should i have put/how should i have worded it. I greatly appreciate you taking the time to post and advise...

Well... Ignore above thread...have filled in N1 form now... Going for 8%, as per s.69 and then 0.00022 daily rate from date of claim till settlement. gulp.

Ok Folks Need some help...Have searched site, Im sure ive seen it somewhere, weeks ago, before i started note padding pages but...Just filling in N1 form...(and now i cant find anything on interest) I understood the 8% to be added to each charge the day it was made...right or wrong? I dont understand this overdraft interest on top??? other than it being the interest charged on the charge that took you over? saf'fd;lf;flsa;f afls ;lsf ;sf;fl';flsflfs If i choose to ignore this, How would i word the bottom paragraph? Charges £xxx.xx Overdraft Interest £xxx.xx (i will omit this line) Interest under s.69 County Courts Act 1984 £xxx.xx Court Fee £xx.xx TOTAL £ xx.xx Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. Help... Sorry for being so stupid...

Brooklyn. Sorry I'm not the greatest or fastest at typing (I've just progressed to 3 fingers ) Many thanks, I'm spending all my spare time reading this site and its given me confidence, I guess I'm just one of those people thats nervous. Brooklyn. Lol, no apology necessary, we're no experts either, but we've just trodden the path your going down...I have just recently posted about our next step, ie filing for court, and like you, extremely nervous...It does take a lot of reading, and I would advise everytime time u see a page with info relative to your's, print it off, or save it somewhere, file in a seperate folder, and keep track... We didnt, and we read and read till our our eyes were bloodshot, our fatal error was not noting what was relevant to us, and we lost our way...but, Im picking it up again today, but work gets in the way! All the best! lol an im not best at typing/editing/writing either..

Brooklyn We crossed in the post...read this section first...on the right hand side is step by step... http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html Here's where you send your letter, once you have checked your statements...its all in the above link, and take some time to read it all... PRELIM LETTER & LBA Customer Relations Customer Central Support First Floor The Forthstone 56 South Gyle Crescent Edinburgh EH12 9LE Regards

Brooklyn, They can ask for payment for a 'S.A.R' - (Subject access request) your statements basically... Normally it's around a tenner, so I wouldn't complain at a fiver! We sent a chq for £10, a month afer receiving the statements, they cashed it.. Send it off asap! Up to 40 days they have to reply... All the Best

Kurt_hamster... Many thanks for your note, I was getting slightly concerned, but once more we shall plod on... Thank you for taking the time to reply.... Regards

**BUMPED** Ok, struggling a little, need some guidance...this morn decided to go for court, started to access pages for filing in the court papers... We started this on MSE, and rightly or wrongly, asked for 8% intrest in our first letter...after no reply, we double checked (or so we beleived) our figs, had to amend them slightly in RBS favour, from £1309 to £1259...rcvd normal looking into claim etc... Thru CAG spreadsheet, the figs have now come up £1322...!!! ARRGGHHHH Is it adviseable to change again? for the sake of hassle it isnt worth it, but off the spreadsheet of MSE, we note serveral dates (day n month) got mixed up...however this kind of detail, if faced in court im guessing would be frowned upon? Also, the interest is slightly different too... So, do we... A/ SEND ANOTHER AMENDED CLAIM? WITH ANOTHER 14 DAYS? B/ CONTINUE WITH COURT CLAIM AS IS? BUT NOTE ON COURT PAPERS THE AMENDMENT?

Well done mate...since we started reading your thread, its kept us enthralled, and of course concerned! However, this is a massive victory, not just ot yourself BUT everyone who uses this site... WELL DONE!

Allo All... Great great site, takes some reading and more again...here's where we're at... Sent for statements 17th April Received 3rd May Asked for charges 3rd May, rec del. 14 day timescale to respond Reply rcvd 9th May, Sandy Watt, looking in to claim,8 wks etc Called 22nd May, We will write with offer? 6-8 weeks Sent LBA 23rd May, 14 days to respond Email to Sandy 29th May, Asking for update Reply fr. Sandy 30th May, 8 weeks to respond etc Email to Sandy 7th June, Asking for update again... Reply fr. Sandy 7th June, 8 weeks from 9th May, etc etc We're now clearly over the 14 days from our LBA (23rd May)...Just looking for the nod off fellow claimers to file for court...im guessing we've been overly patient as per our letters...hopefully this won't affect our claim? Any advice would be appreciated. Regards Clakkers