in the libraries preliminary approach letter it states 'DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER'

can anyone explain 'schedule of charges to me'? or put me in the right direction to look for it.

Some banks have been delaying things at pre-court stage by claiming they never got a schedule of charges, which is basically, amount of charges, date charged, type of charge, etc... In order to stop that kind of behaviour, we have altered the template and suggest you send a detail of the charges rather than just putting a total amount.

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for example i would put £500 unpaid items

£500 referal charges

or do i have to date every charge i am claiming back.

thanks for your advice and speedy reply

No, that's the whole point. In your letter, you would say "you have taken xxxx from me", but in your schedule of charges, you'd detail: x date - unpaid d/d - £xx, x date - unauthorised monthyl charge - £xx, etc, you get the idea. Or you could do it from the spreadsheet in Library, might be quicker that way, and it will be done for when you file in court!

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got it, ive got to itemise every charge made against me,ie if there has been 30 seperate charges , i must date them and show the amount charged.

i hope i have it anyway!!!

You got it.

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i'm sure if i wasn't sure others may be in the same boat so this will help others too.

going thru my bank statements there was around £700 of charges from april/may 2000, because this is six years and two months ago can i kiss these fees goodbye? thanks again

Follow NeiP, he has just won and got his charges refunded from 1998. He suggests we go for it if we have the information. Check out with him first.

ok thanks for that

i cannot find NeiP, where can i find him?

can anyone help,i'm just about to use the spreadsheet to work out a schedule of charges for my preliminary approach letter .

(i know not to mention interest at this stage) but i'm not sure how the interest thing applies.

am i claiming loss of interest on my charges? for example a £30 charge from 08/06/2002 would incur interest charges of £3.21.

however on the example it shows cleared transactions and an interest charge,this bit has me confused,why wold it show cleared transactions?surely we can only claim for bank charges

Firstly, if it is the 8% interest you are talking about, this is only to be added when raising your claim in court. If you feel confident with spreadsheets, take a look at the second one in the library.

Don't worry about the examples. You are right only to claim the charges they have made.

Come back to me if you need further help.

Vamp.

so i can claim 8% interest on these charges if it goes to court?

i think i've got it

You may have been charged interest on your account. If so, some of this has been applied to unlawful penalty charges and is reclaimable, but the calculation is complex. Read the notes in my spreadsheet, and see if you want to go for that too.

i'm very new to this,but as soon as you mention complex i feel this would cause complications and not worth the hastle, i'm sure ' keep it simple ' would be the best advice.

also while you are there can i claim back 'referall fees'?

Good idea to keep it simple if you're not sure.

Referral fees - yes.

should all letters and correspondence be sent registerd post?

including Preliminary approach and Data Protection Act Request?

It's for the best.

They can't claim they never received the letters then can they?

It's £1.00 including the postage, so not too expensive.

ok i sent two data ones off yesterday with a £10 cheque in each,unrecorded:evil:

I shouldn't worry too much. I sent my first 3 letters un-recorded because I didn't actually have three quid!

The fact that the cheques get cashed (they're very good at cashing cheques) is proof enough. When it gets to the sharp end though - RD is favourite.

as i understand the oft states 'it is unreasanable to expect banks to keep records dating back more than six years' and therefore we can only claim up to the last six years.

however i have asked my bank for the last six years statements and they have sent me severn years statements, does this give me the green light to go for severn years worth of charges?

they cannot say they don't have the records as i have just recieved severn years worth!!

it just depends how long the bank keeps its records' i've just got back statements from 1995, the limitation act says you can only pursue a claim for 6 years, if i were you i'de just claim the last 6 years anything more use a seperate claim

ok thanks

after recieving my bank statements the amount i will be claiming for is around £6500,i know it is better to claim below £5000.

can i split my claim up into dates? ie initial claim 28-june 2000 till 28-june-2003. then the next claim 29-june-2003 till 29-june- 2006

which bank is your claim against?