You will need them to calculate the 8% for your claim form at that stage & also to calculate any interest you are claiming from the outset ... ie interest the bank have charged you on the charges + contractual interest if you are claiming it (ie charging the bank at the same rate they charge you for borrowing their money) the 8% stat interest paid by the court is also not compounded just simple interest. it is all confusing this interest malarky but once it clicks it's ok .... honest! You just have to decide eactly what you are claiming & your reasons/arguments for claiming it then stick to your guns!

sorry we were posting at the same time then GMMM - I wasn't repeating you I just took a little longer than you did!

I would say not - stick to the suggestions & procedures within the templates letters etc as they are tried & tested. Just ask for your charges and decide if you are also claiming the interest charged on them plus if you are also claiming contractual interest - this is the only interest you should ask for in your letters. The 8% is purely for the jugde/courts to award and you should only mention this on your schedule once you file your court claim. The general opinion seems to be that asking for it beforehand can give the impresson to the banks that you don't know what you are doing which is the last thing you want to do. Hope this helps?

Yet again another brilliant letter ... from you that is not RBS! Well done mate ..... Again! Looks like you will be having your day out doesn't it?

VAMPIRESS'S CHAMBER Working again now!

Yeah I just got it too - looks like a problem with google atm ... spreadies are doomed!!!!!

Sorry Bong - I've typed it the wrong way round ... I'll amend my post .. praps it's time I was in bed!

That's what it states on the notes .....

Where have you been sending your letters ... I would use this address

Vamps sheets in google are working & mindzais sheets as an alternative to these if anyone needs them ... Vamps VAMPIRESS'S CHAMBER Mindzais (for bank accounts only NOT Credit cards) http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html?highlight=compoundsheet_v1.9

fax it/re-send it! 500 squiders will buy a lot of nappies! Congratulations on your bun ... is this your first?

Like it! Well done Dotty!

Yes I've seen Mindzais spreadsheet before & it's great! Remember this is just a spready for bank accounts not credit cards oh & it claims compound contractual interest too

Grr wot a numpty I am ... nq forms returned to me as I put the blimmin Glasgow address on them in error! DOH! Spoke to the nice lady at the court who said it was ok to amend by crossing out writing in correct address & initialling - Have to send a new cheque too as they sent one back refunding the original one! Whoops! :-| Anyway, all done & ready to post again!

Well I'm sorry no-one from the mod team has called by to answer this for you yet - Livelylad pm'd me this morning assuring me someone would - I'm sure it won't be too long now I'm still happlily using the vamps sheets in the google chambers - did you have problems with these? You have to sign up first but it's free & easy so no bother there here's the link to those if it helps ... VAMPIRESS'S CHAMBER

I know you were u numpty! I guess the reality is they will probably pay off the o/d with the payout anyway by crediting the funds into the o/d account .... I believe they have the right to do this anyway ... sure I've read that somewhere! I know with my payouts so far they've been credited to the account balances & therefore have just reduced the balance/debt ... I'm happy with that anyway

Yeah Mine's a strongbow! (nice n cold but NO ice!) Willow's will be a shiraz (prob a bottle ... BIG ONE!) & I would think Bill will want a whiskey!? Poor dotty will need another o/d by the time she's got drinks in for all of us on here!

Sorry if my post wasn't 100% clear earlier - I was in a rush gettin ready for work etc - when I said I meant now as in taking control of your finances now so that her current monies are not 'swallowed' up by the o/d & charges whilst waiting for the refund. You not agreeing with me then Bill??

Hi Bill - I should have posted here earlier but didn't have time whilst looking after my lil girl & getting ready to dash to work etc ... I've reported the unanswered posts asking for help from a mod/site helper etc & got a pm from Lively lad assuring me 'We will have a look at it.' Hang in there guys - hoping the cavalry is on the way! ?

Quite right too!

It's not a bad idea to open a parchute account as it puts you back in control of your money & stops the bank from swallowing it up in overdraft & more fees till it's sorted - also if they decide to close the account or withdraw the o/d etc at least you have alternative banking set up. However the o/d should (in my opinion) be paid off once the payout is made. As for not taking oldies to court - remember the pensioner who went to prison for not paying council tax? Not the same I know but just a point

Good luck & make sure you have a good read before you get started with your claim

Hi there - It seems that most claiming against Northern Rock post their threads in the 'other institutions' forum - here's the link ... http://www.consumeractiongroup.co.uk/forum/other-institutions/ hope that helps?

I'll send u a torch! 'cos it's an OLD blimmin claim so it's still the OLD blimmin sheet!

Letter to post 2moro ... Freemans PLC FAO Susan Ferguson - Customer Services 1 Amberley Street Sheffield S9 2FS 10th April 2007 Dear Ms Ferguson ACCOUNT NUMBER: xxxxxx With regard to the above account and the recent actions by Freemans PLC I am writing to state that I am absolutely appalled by the way you have been dealing with the account and sub accounts of late. I have now written to you on two occasions and had several phone conversations regarding account xx - Mrs xxxx. I have not received a reply to either letter and I can not believe that an organisation such as yourselves and with your resources cannot find the time to do this. I must say that the level of customer service, in my opinion is severely lacking here. As previously advised, I note that you have now defaulted Mrs xxxx and added charges to the account. I request that you credit this account in full leaving a zero balance and take appropriate action to remove all default information from her credit file. A pure amendment will not be acceptable. I would draw your attention to Section 14 (1) of the Data Protection Act 1998, where it states....'If a court is satisfied on the application of a data subject that personal data of which the applicant is the subject are inaccurate, the court may order the data controller to rectify, block, erase or destroy those data and any other personal data in respect of which he is the data controller and which contain an expression of opinion which appears to the court to be based on the inaccurate data.' Mrs xxxx is well aware of her rights regarding this situation and failure to comply will result in this being taken further and to court if necessary. I also refer to account xxxx to which the balance has recently increased due to the amount of charges you have been applying. I am advising you that as a result of these applied charges, which I now believe to be unlawful, I am considering this account to be in dispute and am currently preparing a schedule of all such charges which will accompany a request for them to be refunded. Therefore no payments shall be made to you on these accounts until this is resolved and I trust you will deal with this accordingly by placing them in dispute. Furthermore, I made a request for you to supply me with a true certified copy of the credit agreement under which this account is conducted. You have enclosed a copy of a recently printed agreement which is not what I requested and does not comply with your legal requirements. Once again I remind you of your duty to supply all documentation under sections 77 and 78 of the Consumer Credit Act 1974. If you are not sure of your responsibilities and the exact documentation you are required to supply under this act, then I suggest you research thoroughly in order to carry out your legal obligations. I remind you that you are currently in default under s78 [6] of the Consumer Credit Act 1974 and that non-compliance with my request is a criminal offence carrying a fine of up to £2500. Furthermore you are reminded that under the same sub section, whilst the default continues you are not entitled to enforce the agreement in law. Whilst I understand that you may not find this letter entirely to your satisfaction, I nevertheless believe that you will find it perfectly in order, and I respectfully insist on a prompt reply, in writing, advising that all of the above is being properly actioned, or your very clear and lawful reasons if not. Yours sincerely chezt Also I'm sending a seperate CCA request for SIL just for completeness sake really .... the saga continues!