Hi,

Ive finally worked out how to start a new thread - phew!

I handed my initial letter in to my branch on 06 July and had to do a bit of talking before they would give me a reciept. I recieved a delaying letter back on 12 July advising me that they do not have this information by itself but they would give me the information in statement form.

I replied to them on 20 July and recieved the first 3 years a few days later. Approximately a nother week later i recieved the rest in individual envelopes!!!

I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

Do I send the schedule with my letter to the bank including the interest or just the charges at this stage and do I send the three seperate claims in at the same time??

Thanks

Mark

 

I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

 

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

 

you can claim upto £1500 using Summary Cause, still Small Claims Court, look here

Summary Cause Guidance Notes

Hi guys - just a little update.

Sending my Preliminary Approach for Payment along with the Schedule of Charges for £1693.00 on 23/08/06.

I'll keep you posted how I get on.

Mark

i am avidly going to follow your progress mark as this is what i will be going through. good luck to you. jules

Hi,

 

Ive finally worked out how to start a new thread - phew!

 

I handed my initial letter in to my branch on 06 July and had to do a bit of talking before they would give me a reciept. I recieved a delaying letter back on 12 July advising me that they do not have this information by itself but they would give me the information in statement form.

I replied to them on 20 July and recieved the first 3 years a few days later. Approximately a nother week later i recieved the rest in individual envelopes!!!

 

I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

 

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

 

Do I send the schedule with my letter to the bank including the interest or just the charges at this stage and do I send the three seperate claims in at the same time??

 

Thanks

 

Mark

I just included the schedule for the full amount of charges at the prelim/LBA letter stage, you don't however mention the 8% interest until court summons time!

Hi Jules / Thanks Gargoil,

I was a bit mixed up with the normal interest and the judicial interest - Ive included the normal interest (£208ish) using the spreadsheet template but not the 8% Judicial interest.

Ive also sent DPA letters to Bank of Scotland Visa / Littlewoods Persoanal Finance / Ford Credit.

Im not sure what charges may be on these accounts, but there must be some over the past 5 years - £20 is £20!!!!

Cheers

Mark

Sent Prelim request for payment on 23/08 - nothing heard yet only 2 days to go before the 14 days are up. Should i call them? and if so what should be said.

I would not call, but someone may call you as time is running out... They will (if same as me) offer you £110, then you send the LBA, and they will offer you £330 then I am unsure wether you have to send anothe LBA...?

GK