Hi Horw Stick to your timescales, and don't let them put you off. Send the LBA (14 days limit, not 7 days) Good Luck

For the sake of two days, go with the 22nd just to be fair.

They'll just ignore it. However, it does prove to them that you are unsure of what your doing. Not having a go, but have a good look through the FAQs and Step by Step guide. I know theres alot to rummage through, but it will save costly mistakes later. If your unsure of something, just ask.

Thanks again

You can only claim the statutory 8% interest, once you file the claim at the County Court (or MCOL). Therefore we leave it out until this point. However, you can claim contracual interest from the start. So if the banks start settling before a claim is filed, the only way you will get interest is by claiming the contractural rate, not the statutory 8% under the County Courts Act. Which rate are you claiming?

Does it definately end in 72 and not 27?

Lula, you beauty

As the thread title says: Anyone?

Up to you personally. Its thought the OFT will soon tell banks to lower the charges anyway. But it depends on your circumastances. If your always being no charged (no offence) then maybe you should seek for the amount with no conditions. On the other hand if you accepted, it will save a big headache (court etc). The other thing to bear in mind is that by settling now, you cannot claim the satutory 8% interest.

How did you get to the £164.50 figure, through the spreadsheet?

Yes straight to Sechari, Clarke & Mitchell. Make sure their recorded delivery too.

Write a rejection of settlement letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Making clear that the sum has been accepted as part payment, but on the clear understanding the claim will continue for the remainding monies. See how they reply. If you haven't signed anything stating you have accepted the payment as "full and final settlement" I can't see you having a problem.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html There you go

I agree with mumofthree, also point out that you won't inform the courts until you have received cleared funds.

Thats OK Mark. Now they have a further time scale to enter their defence.

if they haven't submiited a defence, you'll have a job getting it struck out. if you filed on MCOL you can hit the judgement button. expect a copy of the defence and an offer soon.

Ditto

The impending OFT report will have no affect on our claims. Have a read: http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-impending-report.html

Hi Have a read here to understand more about it. The OFT ruling (if made) will not affect your claim. Have a read for reassurance though. http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-impending-report.html

Hi Brian Haven't read the paper yet, but found it on their website. News Of the World - Online Edition

Hi Brian Haven't got the paper yet, but found it on their website.... News Of the World - Online Edition

well done fuzzgun

Thats told you, lol

hello monkey, and welcome... are you here to reclaim bank charges?

Hi Stick to your timescales and don't let them persuade you otherwise. You hold the cards, and they know it.