Hi All,

Firstly can I just say this forum is amazing. A huge thank you for all your advice and helpful information I have recieved from just reading over this forum! Many thanks and well done!

I just have one quick question, hopefully someone can help me with, I have recieved my statements for the past five years and have come to a total of £2,451 charges and £73.46 interest that they took.

I have prepared the letter and am going to send out today to the BoS, my question is, the summary of charges that you attach to the back of the letter...is there a template for it, or is it basically just = 'date - charge amount' or does it need to be more specific like 'failed DD' etc etc!

Many thanks for any help you can offer.

Roxanne

I just did an excel sheet with

type

amount

date

That should be enough inforamtion for them, its just to cover ourseves as we have had defenses from the banks saying they have not been told what charges we are claiming to try to be awkward.

Good Luck

Lou x

Hi Lou,

Nice to meet/speak to you and many thanks for your quick response!

The BoS has just supplied me with my entire statements for the past five years..all it says is 'Charges as notified', it doesn't go into detail as to if its a failed cheque, DD etc..do you think will be a problem?

Thanks again for all your help!

Roxy x

'Charges as notified' Is the £28 charge at the end of the next month after the original charge (prob £39) took you over your overdraft limit.

so count them in and good luck

 

 

The BoS has just supplied me with my entire statements for the past five years..all it says is 'Charges as notified', it doesn't go into detail as to if its a failed cheque, DD etc..do you think will be a problem?

 

Thanks again for all your help!

 

Roxy x

In response to my DPA request I had a combination of statements and a computer print out. On the print out it did specify what each charge was for, but, like you, on the statements it had 'charges as notified', so unless you have kept all those nice letters from Gary Kettle that cost £30 a time (lol), you can just put 'charge' in your spread sheet. Worked for me...but still waiting for my 8% statutary interest...two days to court !

Thanks everyone!

I cant express how much this site is helping me, its amazing reading some of the threads here! Well done to everyone!

Thank you for the info regarding what to put in my summary! Will get started on that right now!

On the interest issue...on my summary of charges, should I add in a column that totals the amount of 'Interested Debited' (for going over my overdraft) or should I just add up the charges just now and the interest comes in later???

On a side note..sadly I've not saved all Gary Kettle's letters (hehe) when they arrived they swiftly got ripped into a pile of tiny bits with lots of angry shouting!

Many thanks again,

Roxy x

Hi everyone,

Sorry to be a pain! Just been looking through the FAQ and am still a little bit confused on one section...

Do I charge the overdraft intrest back now (with the first letter with the summary of charges attached) or do I wait...If I do charge it back now, do I add another column into the summary stating the monthly interest amount charged?

Sorry to be a pest am just really keen to get this letter out today!

Thanks for your help!!

Roxy x

Hi Roxanne, you only add the interest if you're going to court.

Ah brilliant! Thanks for your reponse your a star!

I'm going to send this letter off today and as it says in your signature strip (hope you don't mind me quoting!) LET THE BATTLE COMMENCE! hehe.

Many thanks again,

Roxy x

You're welcome, keep us posted.

Roxy,

Without wishing to make things any more complicated than they already are, I'm afraid wsm36 is mistaken.

If the interest you've incurred is a result of the charges BoS has unlawfully levied then you can ask for it back now. If you fill in the columns on the right-hand side of Vamp's spreadsheet - you'll find it in the bank templates libary - then this will do all the maths for you.

wsm36 is, I think, getting confused with the statutory 8 per cent interest charge which you can add to your claim should it get as far as the court stage.

Vamp's spreadsheet will also calculate this for you.

Hope this is of some help?! ;-)

Fred_Funk

Hi Fred_Funk,

Ahhhh, see this is where I was a little confused too...I did notice on the standard letter (which is ace! Many thanks again for that!!!), is does say

"I calculate that you have taken £XXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX."

This is where I got a little confused, I went through my statements and noticed that all together, they had charged me £73.46 in Overdraft interest, that they charged me for going over my interest! I was unsure whether I would be able to claim this back as in the FAQ it does make note that they are providing a service and therefore are allowed to charge for it...then again, I may have read that wrong!!

I sent my letter of last night for £2,536.00 though...

I have also used Vamp's spreadsheet to calculate the interest if this does go to court..so just so to clear my mind...if we do go to court/they are summond, that is when I can add on the 8% interest to each charge (as per the spreadsheet) and the new total will be the amount I am claiming for?

There was one more little thing that has been pestering me...I have been reading here that in a small claims court, the total you can claim for is £750, and I also read in the FAQ that that doesn't include the interest and my costs...so due to the fact my claim is £2,536, will I need to break it down into four claims each with their own amount of interest and my costs added?

Sorry to be a pain with all the questions! I've printed off an entire lever arch folder full of info from here and various linked sites to read up on but I think my brain is having an overload, hehe!

Many thanks again for all your help!

Roxy x

Yes, you may need to split your claim up... do a forum search for "Sever" or "severing".

Thanks very much! I've ran a search and found lots of interesting information!!

On a side note, after a discussion I had about this, what is everyones opinions on the fact that some of us are due thousands of pounds over five years...surely there was be case for some sort of compensation for the lifestyle adjustments we have had to make and I know myself for one, the amount of emotional distress that this has caused us over the years?

I mean, I had to borrow money just to clear my account back to zero!!! The amount of times that I've not been able to eat at work or had to walk home from work due to the bank swallowing my money in charges just days after being paid!!!

Also the amount of times I was on phone in tears to the bank asking them how they expected me to live, thinking back to it now I get so angry.

Has anyone every tried to go for personal distress damages or anything similar?

Roxy x

Hey

I think we have been in the same situ regarding the banks raping us. I for one have been caused loads of emotional distress , weather it be through being unable to eat for days until I borrowed some money because the bank took £218.00 in charges in one month. I would love to take them for emotional distress.......hehehehee a good £20,000 for hurt feelings and the humiliation of begging crying and pleading to a bank cashier to return my charges.

Now thats an idea !!

Dear Roxy

Couldn't help laughing! Lots of angry shouting and ripping of paper-not to mention lots of broken china!- sounds so familiar.

:idea: ps who's Gary? I assume he doesn't have a fan club-maybe we could start one. The Gary Kettle club or something. Here's an idea from work from years ago. What about the "Kettle Chips Award" for the 'best' letter received from a bank each week.:idea:

Dear Roxy

Couldn't help laughing! Lots of angry shouting and ripping of paper-not to mention lots of broken china!- sounds so familiar.

:idea: ps who's Gary? I assume he doesn't have a fan club-maybe we could start one. The Gary Kettle club or something. Here's an idea from work from years ago. What about the "Kettle Chips Award" for the 'best' letter received from a bank each week.:idea:

you havent had a letter from Gary? so who signs your letters telling you the bank have paid something you didint have enough money for and are now going to take £xx for being so thoughtful?

I love the idea of the 'Kettle awards'

Hehe, yeah, that sounds like a good idea!

I tell you, he must have a really sore hand after signing all our letters!!

Roxy x