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Paco

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  1. Thanks loads.... have done this and am now filing my court claim. Let battle commence !
  2. yip it's the 8% interest that takes it over. cheers.... p.s.. charges came to £662.00. Then using spreadsheet, charged interest at 2% above base rate on these charges which came to £46.28. Have then charged 8% Judicial interest on this total (£708.28) which comes to £56.66 giving grand total of £764.66 with regards my court claim... does this sound correct method ofworking the iterest to you ??.
  3. Is there a limit of £750 per claim in Scotland ?. My claim is less than £750 but interest charged on this shall take it over the threshold....
  4. "The first interest rate is for interest on unlawfully deducted items up to the date of service. You can use almost any rate you see fit, or are brave enough to claim, i.e. 2% above base rate, 8%, contractual rate, etc. Obviously you may have to justify the rate you use in court." Used the above working each as 3% above base rate. Used and attached to the LBA the schedule provided in the templates, obviously not including the spiel above. Also used the LBA template modifying it only where needed. cheers
  5. "The first interest rate is for interest on unlawfully deducted items up to the date of service. You can use almost any rate you see fit, or are brave enough to claim, i.e. 2% above base rate, 8%, contractual rate, etc. Obviously you may have to justify the rate you use in court." Used the above working each as 3% above base rate. Used and attached to the LBA the schedule provided in the templates, obviously not including the spiel above. Also used the LBA template modifying it only where needed.
  6. Hello all, Have been trying to claim back charges from Bank of Scotland and have went thru the process of initial letter and then the LBA. The bank have now came back (after the usual offer of goodwill,.... which I refused) to say that the aren’t going to repay me the charges, therefore am filling up the court claim. Quick question tho… At the initial spreadsheet stage (from the template) I charged 3% interest on each charge. This gave me a “total claimed”. Do I now take 8% of this “total claimed” and add this amount to the “total claimed”, or do I change the 3% interest rate calc initially done to 8% Thanks loads, Paco
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