Hi, Mostyn. Have sent charges, and have recieved letter saying they are looking into it ????????????? 14 days is up on Monday so will be sending the second letter then. Will let you know how it goes. Keep in touch Molly

Thanks Mostyn, Have a good day/ night at work Molly

Thanks Mostyn, here is the section adjustment i hope it makes sence, if so i will be sending tomorrow, have a quick read and let me know as soon as you can. Appreciate all your help. I calculate that you have taken £3,919.25 in penalties plus £295.41, which you have charged me in overdraft interest for the sum, which you have also taken. As these charges were debited from my account without my informed consent and, in my opinion, unjustly enrich the bank, I am applying interest to them at your current interest rate taken from your website of 18.3%, compounded annually. This has been applied to each charge through out the last six-years up to and including 23rd December 2005, the date on which I received your last and final charge on my account. The total owed is £6,441.78. I have enclosed a schedule of the charges, which I am claiming with this letter Molly...

Mostyn, Sorry, but just so i'm clear, i am claiming for 3 amounts from the outset Penalties - paid on the account Total Interest - paid on penalties Total Interest - owed (in theory) from them having my money over that period Giving me a total to claim of £X And i am able to claim all this from the outset, as i have read numerous sections saying that certain interest can NOT be claimed until raising the court claim?? The prelim letter provided in the library prompts for only 2 figures then a total, where as i have 3 and then a total, do i just add an extra line in then total??? Sorry to be a pain, but i need to be sure.. Molly

Mostyn, You are a star, thank you very much for that, it has really helped. I will let you know how i get on. Good luck with yours. Molly

Hi, thats great i will use the 18.3% then thanks. I also used the Mindzai, and yes found it easy to use, however i am now ready to send and am a little confused, so you may be able to help. I want to claim for Contracual which i assume is the 4th and final tab on the spread sheet? Do i print the whole of this tab to send quoting in my letter only the penalty amount and compound interest amount combined? which would equal £6,027.35 (combined) and leave out the interest paid on penalties, Compound interest paid on interest and combined interest & c.interest (on the right hand side) until raising court claim. I have read the forum for about 3 weeks now, and still dont truly understand. Also i have read that you can only claim up to £5k? Sorry if this sounds confusing Molly

Hi thanks for that. Sorry to sound think, but i need the APR and the website gives me the EAR are they the same? can i use the 18.3% quoted Molly

Hi, i have recently recieved a copy of my statements for the last 6 years with HSBC, however i am no longer with the robbing b*****ds. Does anyone know roughly what their interest rate is (APR) for the purposes of my spread sheet. Also is their overdraft limits interest free?, as i am unable to gain this information direct from HSBC now i have left. Here's hoping you can help Mollythe monk

Hi, I am unable to access the spread sheets you have provided, the links will not allow me to connect. I have excell so it shouldnt be a problem. Please could you advise. Thanks Mollythemonk

Hello, I am unable to open the links to any of the spread sheets provided. I have excel but this link is not opening. Any thougts as to why ?? Molly