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Hello :)

 

If you wish to claim Contractual Interest then you must do this right from the beginning, ie in your prelim, I think RBS unauthorised rate is currently 29.8%, you will be able to check on their website. You cannot ask for statutory interest (8%) until your case reaches court.

 

Read as much as possible, especially if you are going for CI as you need to be sure of your arguments. Ask lots of questions as everyone here is really friendly and eager to help.

 

And good luck:D

 

SM:p

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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You could on the other hand be referring to debited / overdraft interest. If you are then this should be claimed from the start.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi,

 

Could anybody let me know if when sending in my letter asking for my money back, do I also ask for all the interest they have charged as this comes to £145.00.

 

Regards

 

Sean

:|

 

When you send a letter for your money back you do not add interest you apply this when you issue your court claim.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Sean, I think it best you clarify which interest you are referring to. As snoop and paul have both said, you can't add statuatory interest until you go to court. Contractual interest is claimed from prelim stage as is overdraft interest.

 

What is the 145 quid made up of?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Clarification needed i think.

 

You can claim the charges

The interest you have paid as a result of those charges.

 

Additionally you can claim interest on both those amounts either Sec 69 interest at 8% simple interest or contractual interest based on the unathroised interest rate.

 

Sec 69 can only be added into your claim once you file at court. Contractual interest you add from your pre lim. It should be pointed out that the arguments for contractual interest are not striaght forward and its open to debate about your entitlement.

 

Since you seem to be after interest they have charged it would seem you can add this to your claim from the start.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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