Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

Results 1 to 7 of 7
  1. #1

    Default quick question?!

    Hi, i am just getting round to filling in the spreadsheet with all my charges itemised, and sending that and the prelim approach letter for repayment (is this right?) to the bank, but I am claiming on two accounts with RBSicon, so can I send just the one letter but two spreadsheets (for each account) or do I need to send two spreadsheets and two letters, seperate for each account?

    Thank you in advance!

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  2. #2

    Default Re: quick question?!

    You can combine the two a/c's into 1 claim but the small claimsicon limit in Scotland is 750

  3. #3

    Default Re: quick question?!

    Thank you, i am in England. So one spreadsheet or two? I presume two?

    Also, am using the spreadsheets off this site, can i just use the 'simple' one as the advanced looks very very complicated?

    Thanks in advance again, hope someone can help!!

  4. #4

    Default Re: quick question?!

    Yes 2 s/s.

    Use the Simple S/S here:

    See here for a visual guide:

    When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.

    The ‘Days Since’ and ‘8% Interest’ columns will be calculated automatically

    Save it (for use later at court), then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges for the preliminary and lbaicon letters

  5. #5

    Default Re: quick question?!

    If in doubt have a look under my claim against RBSicon (search under "atlantic").

    The wording in both the letters and the court's N1 form should help you - - but please don't do what I did in the initial stages and forget to not only detail all the charges on spreadsheet but also detail the overdraft interest too........ it does all add up to a frighteningly big amount and you won't have the opportunity to change it later if you forget it in first place!!

    Good luck....

  6. #6

    Default Re: quick question?!

    oh....sorry - use two spreadsheets, one for each account and I would choose the England - Excel - Advanced spreadsheet...... and stick 'em all in...

  7. #7

    Default Re: quick question?!

    Can I recommend the spreadsheet that's downloadable from Penalty Charges UK - Fighting your Corner for FREE it's far simpler to use for the neophyte spreadsheet user.

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