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This topic was closed on 11 March 2019.

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This topic was closed on 11 March 2019.

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This topic was closed on 11 March 2019.

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This topic was closed on 11 March 2019.

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Think you may have just answered your own question then...

It all depends on which type of interest you are trying to claim for... There are several different schools of thought regarding interest...

1. You claim statutory interest but only applicable once claim lodged at court
   
2. You claim interest charged (only on unlawful fees)
   
3. You claim interest charged (on unlawful fees) + statutory interest once claim is lodged at the court
   
4. You claim interest charged (on unlawful fees) + interest on what they have borrowed at their standard rate

You need to have a read around to see which you are most comfortable with...

First off.. To save a mods irritation( OR more accurately to obey the forum rules ) you should keep all your information in one thread... This enables others to see exactly where you are in the process and any other possibly pertinent information...

Secondly, some would possibly have advocated suggesting that you insist that you accept it as partial settlement, and possibly informing them that you had no interest at this moment in pursuing this with the ombudsman as you feel that the courts is the correct forum for this issue...

HOWEVER, there is nothing that you have done (that I can see !) that should compromise your claim...

It is possible that it is to do with theft of some sort, or account irregularities. I know that when I've had my wallet lost/stolen then several of the credit cards companies have had to seemingly open new accounts to change the card number...

Well are YOU satisfied that £12 is justified ? Or do you think that it is still in place as a penalty ?

The OFT has not said that £12 is necessarily fair. It has said that that is for the courts to decide... Although it will not itself investigate if under £12...

Thanks... I thought the same, but I do recall reading somewhere in one of the many discussions about basic accounts that the law changed in the 80's and I can't find the thread and I certainly can't find any legislation...