Hi
i have been looking at your site for the past few days, and it has been really helpful. My charges over the last five years add up to about £750. Do i add the 8 % interest or the 24.9% interest and should i put that in my 1st letter with my breakdown of charges.
Dont want to get it wrong and to be honest i am terrified at the prospect of it going to court but at the time i incurred the charges i had some really crap problems, Nationwide were charging me wevery month sometimes £150+ and offered no help at all in terms of managing my account.
Also i have three acounts that the charges apply to should i put the claims on all on one spreadsheet and expalin in the letter that they releate to three seperate accounts and give the account numbers?
Thanks