thanks

I claimed as far as LBA on a charges only basis

Then claimed all over again on a CI compound basis

Naturally letter/offers crossed, fractionally in my favour I hope

sorry, I was pulling a guess from the air

sorry

on checking the schedules, they've offered in full on one of the accounts and £29 short on the other one, that makes no sense to me as I have no charge to that amount for them to miss out

the second letter arrived after I'd posted my second revised CI claims so I'm going to send a standard rejection pointing them to my revised claim

I claimed the accounts together as a single sum so I'm assuming that I can reject even the one that was offered in full?

Especially as it arrived after I'd sent out a new claim replacing my first claim?

five days before getting this I posted off a reworked claim using the same charges but with compound contractual interest at the unauthorised rate, which does rather up the ante in no uncertain terms

and thanks

sadly my SAR was an inferior one only asking for six years

I've stuck second ones off to NW and B anyway

what the hell

I'm being polite seeing as I'm a new bug still on his prelims

I send off my CI claims after two weeks of dithering to and fro, feeling good about it now after talking to a few other people doing/done it

offer today relating to my initial claim, presumably crossing with my revised claim by a few days

it's for £1080, 80% of my initial claim for charges only, not too bad considering it was post LBA but pre anything else

anyhow, the standard letter of rejection I suppose with a bit stuck on referring them to my second revised claim sent earlier

nice to be seeing four figure offers, I'd probably have grabbed that a few weeks ago before reading all the good stuff on here, knowledge is power fo sure

doing that now and upgrading my filing from a pile of paper to a real grown up lever arch file

sorry if that was harsh

I consider adding a comma going wildly freelance when using those lovely template letters, I like template letters

yes, quite right, sorry

I must have got here on using one of those similar threads at the foot of the page and assumed it was current

my bad, will try much much harder

that's it, good man

when you say delete I hope you meant hide, you'll be wanting that 8% column when you get to the MCOL/N1

and it's nice to warm your hands on it while they prevaricate and waste time

no big deal to copy your figure into a new copy of the spreadsheet obviously

£3k is nice, read some of the other sucessful claims for your bank

and your cozza v whoever really should be inside the relevant board, start one is my advice, you'll get good advice/help from the people that have already been through the process with your bank

no-one's answered the question have they?

I won't because I don't know but I'll add that the bank often gets it's defence in late and the court seems fine with that

good

usual advice is to do things in writing using the site templates so it's all legal and formal and you have a record of what was sent to whom when

your claim though

keep us all informed, best of luck but you'll be fine if you follow the correct procedure as per the step by step instructions on the site

'thanks again to everyone as ive been a right pain at time asking stupid questions'

stop it, everyone starts on here stupid and a pain

and well done

read some stuff that so far the judge can be difficult if it's a second claim on the same account

some way in the future for me anyway

don't get involved in their problems, excuses, dillydallying, whaetver

run to your own timetable as specified in the step by step instructions on this site

the 'days' are regular Mon-Sun calendar days

what's the actual name of the spreadsheet you're using?

There's some letters in the template library referring to harassment and the like, be quick and firm and they should back off sharpish

the nerve of them, that really is disgraceful

I think the interest isn't considered for the purposes of being under £5k

so I think you'll be ok

the 'complex' sheet is fine once you get started on it, it typically adds about 10-15% to your claim

I definitely would

The instructions with the spreadsheet should be clear but

enter your charges in the date order, old to new in the left hand column

in date order, old to new, enter any and all interest charges, the interest charge, the date the interest was charged and your balance on the day the interest was taken on the right hand side

the spreadsheet will do the rest

honest

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

on the right hand side

£10k?

dear god, what an earth were you up to?

big total, take your time and get it right, lots of reading of other threads for you

claim interest on the charges at the very least, you've got loads of capital for the interest to work on

cor

rattle through the step by steps as quick as is decent and then offer tos ettle for the lot a week prior to your court date seems to be the plan

just take care with the various forms and letters in the mean time is all

loads and loads of examples in the Barclays threads already concluded

nice to see someone actually behind me

I wish, I'm still at the Prelim stage and for a lot less than that, a lot less

Sorry

I was merely supplying a link to the actual thread when the claim unfolds to a triumphant conclusions

thanks anyway

no-one ever goes to court, not for a simple routine claim

so plough on, you can reclaim your fees, it keeps the pressure on them to settle

by all means offer them an additional chance to settle first to show how nice you are