OK - another one -- sorry to have so many questions -- just want to be sure.. My bank statements have both "Charges as Notified" and "Maintenance charge" listed - both of which I have counted in my previous letters to BOS, is it OK to claim these "Maintenance charges" thru the court ? (The "Maintenance charges" seem to be applied at the end of the month if I have had "excess o/d charges" during that period -- so I think I can claim those too).

OK - Hoping to pop forms for a small claim into Dunfermline Sherrif Court tomorrow - but I'm still a little unsure about some things : 1. Section 4 of form1a / 1b : "The Pursuer claims from the Defender the sum of £ xxx.xx with interest on that sum at the rate of 8% annually from the date of service for each charge (together with the expenses of bringing the action)" not 100% sure how to read this - does it mean I'm claiming £ xxx.xx which is just the total of the charges, plus interest on each of those charges since the date of each charge ? (which is how it sounds) or is £ xxx.xx the total of the charges, plus the interest on each of those charges since the date of the charges, and the "8% annually from the date of service" is about the interest from the date I submit my case to the court ? e.g. interest on the charges plus the interest on those charges ? all help much appreciated ?

Hi Everyone, I'm up to the point of having sent an LBA to BOS, and having received a letter offering me £ 650 (claiming around £ 2,998 over the past 5 years). I believe I'm only supposed to claim for charges going back 5 years ? I now want to file my first claim via the small claims court -- I've downloaded the pdfs for form1a/1b - and I remember there were some examples of how to fill them out ? could someone point me in the right direction ? also -- I see lots of stuff about limiting small claims to £ 750 - but I'm not 100% sure why - can someone perhaps point me in the right direction for that too ? Here's a breakdown of my correspondance so far SAR Sent Aug 2006 Prelim Req 7th Sept 2006 LBA Sent Mid Oct 2006 £ 650 Offer Received Start Nov 2006