Thanks for the prompt reply. Do you know where I can get the Summary Clause forms? thanks Ian

Right, just back from holiday, received another fob off letter from the bank. Time for court. I'm going to do it using a Summary Clause as the cost is about £1100, this will save having to do multiple claims. Any major differences between using Small claims and Summary Clause (Remember I'm in Scotland)? thanks Ian

Here you go http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Well, not heard back from the bank, so I've posted my LBA today, they should receive tomorrow (29th). I'll keep this post updated with my progress. cheers Ian

The BOS received my letter on the 15th Sept (posted 11th Sept) and sent me a letter about them investigating and could take up to 4 weeks. I've now got my LBA letter ready to be posted. Should this not be posted until 29th Sept (14 days after they've replied to my PA letter ?) Any info appreciated Ian

Hi Calum Unfortunetly I'm not a piper, I couldn't even hold a tune in a bucket ! Thanks for the info, I've now calculated the charges and interest. I've now sent the PA letter via recorded delivery. i'll keep this post updated with my progress. cheers Ian

Hi I'm a new member and I've been looking through this site for the last few days, trying to take it all in. First of all I live in Scotland. Since I opened my BOS account in 1998 I have retained all my statements. (I always told my wife they might come in handy) I've composed a spreadsheet of my last five years charges. The charges are listed into 2 main types. 1. Excess O/D Charge, 2. Charges to & Interest to charges 2 always appear together in the statement. I therfore do not require to obtain a list of charges to my bank, so I should now be ready to write a Preliminary approach letter. In the template in the section 'What I require' . The first value, is this all Excess O/D charges + Charges to ? And the second value, all Interest to amounts ? I know I've more questions, but the answer to these would help get me started. many thanks Ian