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About rennai

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  1. Hi DX I'm unsure if APR applies on this, OC was charging Ovd fees not interest like Credit Card. What I'm think is to include 8% interest on reclaim total for refund I'm seeking? APR applies to Credit Card and some other charges I think ....Please clarify if you think otherwise.
  2. xcel sheet attached charges by hbos.xlsx
  3. Hi Andy I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR.
  4. Hi Andy I think It's connected, same bank account DCA is suing for, have so many excessive charges, I saw that after a received all my statements following SAR.
  5. Hi dx thanks but it does seems this reclaim letter applies to Ovd charges (mine is daily ovd charges/fees for planned and unplanned, some for about 6 months of charges are interest debited because it's high interest reward current acc. said template seems to be for Credit card late fees and over limit charges.. right? maybe BCOBS suits my case better?
  6. spreadsheet done charges (ovd and interest) on 2 account from 2009 to 2013 almost 4k very high, please send me link for cover letter, etc.. Is there any regulation I can cite to stop refund being sent to Lowell?
  7. thanks, is there cover letter template on here for charges reclaim?
  8. Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC? Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell? What's your opinion guys?
  9. will the fact they issued court claim before it falls off file count? the other thing is acc was opened and operated in Scotland before I moved to England about 3 yrs, will case be viewed under Scottish or English law??
  10. 18th Nov 12... but dec 2012 there and subsequent months there are OD charges by OC
  11. question answered in #28 Last payment was on 25/01/2013
  12. last payment: 25/01/13 Lowell didn't challenge my defence, didn't reply to CPR 31.14 2 weeks ago they wrote acknowledging defence filed and hearing date, and asking for payment proposal without prejudice save cost and courts cost, insisting claim is valid. record they registered only on noddle is wrong; default date 07/2013, debt amount inflated to be same as their claim amount? when they haven't won case yet. DD they put was when OC closed acc. OC never registerred default, otherwise 2 records would show one from OC as settled then one record from DCA . I'm thinking of challenging this through Callcredit and ICO if need be, ....is there any point of doing this?
  13. Ok got you, good advise...I'll keep it to myself. My defence has SB in it, should I change tactics when drafting WS. I mean a friend of mine paid some money into my account as a surprise gift because I was struggling, but it was swallowed up with overdraft charges. If I knew he was going to do so I could have given him an acc no with a different bank.
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