Morning Glen,...So I can put contractual interest in my LBA, I have just sent off my prelim letter but never menstioned this,..could I still add it to LBA?Thanks M

Hi & Welcome to the site,..Read the FAQ's ,make your own thread and you will very fast get the genral idea about things,..I was the same as yourself not long back,..now quite confident about taking the bank on and understanding the process required to getting my money back,..There is lots of help on here & lots of stages to refer to as you go through the stages of claiming your charges back,..best of luck M.

Excellent work Paul,...Will be taking a few pointers from your thread,..Never give the contractual interest a thought,..but will see how things develope for you and might pursue that route myself,.Why not you have a great point,..their have taken it,..we want it refunded,..Best Wishes & Luck M.

Well the letter have been sent just sit back and wait till the next round now,..downhill now.

Hi there Pinstriping,...I'm in the same boat as yourself,..40 days have now passed ,So I will be sending them the (NON-COMPLIANCE LETTER)...(PRIM LETTER FOR REPAYMENT OF CHARGES-30% from charges on statements & 70% estimated) (plus SEHCEDULE OF CHARGES)..I left the interest out of the l schedule list as You will need the balance of account for each month to add this interest(and thought why bother working all that out as there/shabbey will defend then you can easy add the S.69 Interest 8% easy when submitting court claim,..Well this is what I have done and ready to post today recorded delivery,..Hope all goes well good luck best wishes M.

Hi all got everything sorted out now,...printed off the non-compliance letter giving the 7 days ,Primilary letter requesting the charges back (30% from old statements 70% estimated ),Also schedule of charges applied to my account,..run off 3 copies (1 for myself incase need any proof in court,..a copy for my local branch and a copy for the department which deal with these claims,)..will be posted tomorrow recorded delivery... So now the Fun Should start,..Get this case out the way then there is a few more companies including old credit card providers that will be receiving a S.A.R ,..Will consentrate on this claim first as priority as this will be very handy for Christmas Shopping,..Nice to sit back mid-September knowing Christmas is sorted no worries this year round,..or at least 99% no worries,..Will keep a update how things are going ,Welll not long now the 40 days has passed half way there,..all down hill now,..So excited now...Hope you all have as much fun as me doing this and best wishes & luck to all who give it a go ,..nowt to lose.

Got it worked out now Micheal,..Thanks for your help Mx.

I have used the simple ss,..but removed the interest colum as believe this is not added as yet,..only the charges with the prim letter,..Glad its not seen as a problem Mx.

Hi there again read over the spreadsheets and see that I need to know the balance of the account to work the calculated interest on the charges,...I do not know these figures so are a little stuck working this interest out,...could I leave the interest off,..As I know this will be going to court so the 8% will be added to claim which will be a lot easier to work out,...Or will the abbey see this as not knowing what I am doing???????And here is me thinking I am ready,...all thoughts welcome sorry to be so thick Micheal.

Thanks Michael,...nothing better then to be sure ,..And on the schedule of charges I will add the calculated interest on these charges,..not the 8% which is only added if going through the county courts,..Am I right in thinking this ,If so the speedsheet will add this?...just read on the forum the thing about adding the interest ,...sure you will point me in the right direction ,..thanks Mx

With the interest included the claim will be over £5k,..So the court fees will be £250 ,(Which are recoverable??/)...Well sure it will be £250 well spent,Thanks for straightening that out ready to go now ,Thanks everybody who has helped & good luck all Mx. last question nearly forgot,...do I add the calculated interest on these charges????

Thanks Jackie,...Ready to go now,...40 days well past,..good luck best wishes M.

Hi folk,..quick question/concern,...my claim is just under £5000(£4970),..will be sending schedule with prim letter,...If /when I file for county court,..would the court costs I add on to the claim take me over the £5000 mark and therefore be pushed into fast track??????I know the interest will not matter if it takes the total over £5k,..Is this the same with court charges,..Ready to go but just checking final details as removing any risk of showing the bank that I do not know what I am doing,..what are your thoughts on this,...best wishes all M One more thing,...I have placed a part estimated claim,..Do I SHOW HOW i Worked out the estimated figure on the schedule?..And would this be explained on spreed sheet or in part the prim letter?...thanks

Hi folk,..quick question/concern,...my claim is just under £5000(£4970),..will be sending schedule with prim letter,...If /when I file for county court,..would the costs I add on to claim take me over the £5000 mark and therefore be pushed into fast track??????I know the interest will not matter if it takes the total over £5k,..Is this the same with court charges,..Ready to go but just checking final details as removing any risk of showing the bank that I know what I am doing,..what are your thoughts on this,...best wishes all M

Karne,...brilliant can get this done now,...you have removed the confussion,..Will go over the statements I have now to get a average for estimation,..thanks again you are a star,..Mx.

Hi Karne,...Think you have cleared a few things up ,.. But still do not understand this bit. The best way is to work out your average monthly amount, and then where a months statement is missing enter" Estimated for 1st - 31st July 2006 in the description on your spreadsheet. The you can use this for your preliminary letter" Karne I have had a reply back from abbey confirming S.A.R & NO manual intervention,..so ready to go I think,...will be completing spreedsheet after hearing back from yourself,.. sorry about seeming to be thick,..just want to do it right,..Thanks again Karne best wishes Mx

Hi again folks,...sat waiting on replies with help,..I am ready to attack shabbey but need some more thoughts on this,..here is the preliminary I will be sending I have removed the preliminary letter from your post as it is posted in full in the templates library here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html __________________ plus I will be sending a non-compliance letter as 40 days are up,..do I add interest with schedule of charges,... ,...must figure out best course of action tonight ready for in the morning,...HELPPPPPPPPPPPPPPPPPPPPPPPPPP.Mx

WELL DONE Melissa,...Hope Mum has a good spending spree good luck with the other claim best wishes M.

Hi Boo,...Thanks for the reply the charges total £1750,..I know I said I Have 3 years worth of statements ,but these are a few months out of each year dating back to 2000,...Will this confuse things in the future should I need to submit a second claim,....Can I not just double this figure for the missing 3 years worth of charges?,..I only ask this as I know the shabbey will be stalling things ,Maybe that might make them sit up especially if I be a little generious on my side,..As my thoughts are why should we listen and wait till abbey are ready,..TO PAY THE MONEY/CHARGES THEIR HAVE edited taken from us,... should we not be entitled to OUR MONEY/UN-LAWFULL CHARGES straight away?....M

Hi Guy's,.....well the 40 days are up tomorrow recieved 12 months of statements from shabbey with a letter with the microfiches argument,...I have 3 years worth of statements with charges on them,...was thinking of sending a estimated claim tomorrow for the charges I have proof of plus the same again for the 3 missing years,.(which shabbey have not supplied info on,...)What is the best way to do this?...non-compliance or straight in with estimation,..Well got this evening to decide the best route,...I have read,and re-read the FAQ's,..and still a little confused,..all advice is welcome with open arms look forward to all your replies thanks in advance M.

Hi There again Glenn,..Think I will take the same route,..Was going to send the letter stating that the 40 days still applies,.As I got the microfiche blag,..well not long to go now,...best wishes M.

any thoughts folks,..thanks

Hi Glenn ,And thanks for the advice,..Think I will send a estimated claim tomorrow,..I am on the 34th day (today) ,..Or do you think best to see if they supply the full request of charges,..But thinking about waiting will give the abbey a extra 20 days to play they delaying tactics,..(another 6 days till 40th day deadline,..7 day non compliance,..further 7 days LBA,..Is this correct?... I do have nearly 3 years worth of statements which show these charges applied to my account,..Will this speed things up,..Will wait on replies and work out these charges in a spread sheet,..thanks again all best wishes Mx

Hi thanks for the reply,...But surely if abbey do not respond,..then a estimated claim must be better than no claim,..As figures could be ammended if or when abbey decide to send what I requested,..And if my estimation is a little bit on my side then surely their will want to show the true charges their unlawfully taken out my account,..40 days is approaching,..And abbey are stating that the information is on microfiche and not be subject to the 40 day ruling,..So the best advice is to wait on abbey?....I thought there is a time table to stick to,...I was thinking LBA,..Am I right in thinking this?..quite confused now,..please help thanks Michelle.

Hi Folks,...Well sent my S.A.R letter on the 4th august,..recieved a reply from pam speed,..(usual reply "microfiche excuse supplied some statements but never displayed charges,..good job I have 3 years worth of statements with these charges showing)(how sly are abbey)...Well my 40 days is nearly up,...Instead of waiting on abbey ,As I think I have waited enough,..plus I know their will delay things,..Should I File a estimated claim going off the charges I know about & have proof of,.. As after reading other posts,..abbey seem to be laughing at the non compliance letters,...my charges in the 3 years I know about are £1740,..So was thinking of doubling this figure ,adding a nice holiday and see if abbey contest this,..or at least it will get them to send out the info I need,..Any advice or thoughts on this is more than welcome,..thanks in advance.