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Shumba

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  1. Just off the phone to the financial ombudsman. Expecting complaint form within the next couple of days. I have decided to go down this route as it is just far too difficult claiming more than £1500 in Scotland, even more so with the Clydesdale. My prelim letter was greeted with usual T&Cs guff and arefusal of refund. I sent my LBA on 1st June and have had no reply, so once I have filled in complaint, will leave it to FO.Unfortunately will miss out on interest, but will be happy to get charges. Will keep you all informed what happens , as may be of help to those in Scotland.
  2. Don't bother with the branch as it will all be dealt with by the Advice Quality Unit in Leeds. Time now to send your LBA.
  3. lol sorry http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html
  4. Time to file Carolyn. Check out the following link and go down to part (5). You fall under 5A so go to the next step ie court action. Shumba
  5. Hi folks, I am in the early stages of claiming charges back on my current account and seem to be up to speed with the proceedure so far. My questions here are: I had a term loan with GE that was paid up on time last year. It did however incur some late payment charges. Please confirm that these are claimable and if so do I go about it in the exact same way as bank charges? 2. If there are different templates, could you please point me in the right direction? Thanks.
  6. Good to hear you eventually got them Caroline. Best thing to do now is start a thread for your claim and folk can advise you about each step on that. That way it gives you an easy reference point.
  7. Hi All I received a letter from the bank yesterday stating that they had received my letter and would be investigating. Their 14 days expires next week, and I will be sending my LBA then. MY total in charges before interest is over the 5k mark which presents another dilemna, i.e after filing, it may be allocated to fast track, where I understand I can be liable for costs if I lose. I could cut it to just below the 5k mark, but having read other threads have realised that this doesn't guarantee small claims allocation. Then again, fast track could force disclosure by the bank. So I am unsure of which way to go. Would like to decide soon so that I can prepare ahead, so any advice would be very welcome:) Shumba
  8. Having located all but 4 of my statements, I sent my preliminary letter yesterday by recorded delivery. I will amend the amount if necessay once the statements arrive. Shumba
  9. Cheers DM, I will probably send them prelim in the next week or so as I am only missing half a dozen statements,so they shouldn't affect claim. If they do, I'll just amend it in my LBA. Will keep you posted.
  10. High DM, I have read this thread with great interest as I too am about to take on the Clydesdale. My claim will be close to the 5k mark and as I see it I have 2 options, either refer it to the FOS after the bank's final word, or to go down the english route which I would prefer. With your experience to date, I was wondering if you would keep an eye on my thread, and help out with the odd Q where able. Would it also be ok if I pm you a couple of questions about the process. Cheers Shumba http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/83877-shumba-clydesdale-bank.html
  11. How long ago did you request the statements caz?
  12. No. I mean from the spreadsheet showing your schedule of charges. Include the interest that the bank has charged you on your statement, but the interest that is calculated on the spreadsheet is the interest that you will charge them when it gets to court stage, so delete that column and the one saying how many days since offence. I would still like a moderator or site helper to comment on the interest Q I posed on my thread if possible though. Shumba
  13. Cheers Moss, Thats what I thought. On any month where I was overdrawn without a facility, I was charged interest the following month, on the same date as being charged a Service Charge. This service charge was only charged if I had been overdrawn the previous month, so I am claiming those as well, on the basis of reading some of the other threads. Thanks for your help. The more, the better. Shumba
  14. ps. don't forget to remove the interest columns for your prelim letter.
  15. Hi Kimbers, Check out the following link to download the correct spreadsheet for your schedule. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html However, it's also a really good idea to read the step by step instructions and FAQs to get a clear plan of attack. Good luck. Shumba
  16. Hi Kimbers, Yes, a schedule is the list of dates and Charges. With regards to the interest, I am not including the 8% until the court stages. However, I thought that we were to include interest debited from our account that was debited against an overdrawn balance. I would be grateful if one of the Mods or site helpers could comment on this.
  17. Hi folks, Just a couple of questions. With regards to the spreadsheets. I am adding the interest applied by the bank on the month after any month that I was overdrawn. If this is correct, do I just amend the prelim letter accordingly and say the total amount including interest applied by the bank is £xx? Or do I put that interest on a separate sheet and include that with my schedule and keep the template letter as it is? I am seriously considering using my sisters address or a mail box address in England for my claim. If so do I use the English spreadsheet and what is the difference between the two? Shumba
  18. HI Carolyn, Best way to prepare is to read through the FAQs,template letters and accompanied explanatory notes. Don't forget to include your schedule of charges with the LBA as well. Shumba
  19. Hi Gary, Thought I would answer your Q from Carolyns thread here, so you can keep it updated.I haven't got as far as you yet, but having read the FAQs and other threads, this seems a standard reply. Check out the following links about what to do next: What to expect after prelim letter 2. Letter - Preliminary approach for repayment read th bit after the template then proceed to: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html Hope this helps Shumba
  20. Hi Carolyn, Standard letter from the bank by the looks of things.Check out the following links: What to expect after prelim letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html Your reply or LBA http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html If it is for your Business account you will need to check out those templates. It is important that you write to the bank though, using the LBA before initiating court proceedings. Hope this is of help. Shumba
  21. Well done to you both! Tyrone is the place to be tonight then:) Only wish I had been with your bank:(
  22. Hi girls04, Check out the following link for an answer to your Q. It advises against a meeting. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23848-introduction-bank-charges.html?garpg=3 Shumba
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