if it's a regular account fee that's the same every single month, I think not as that's something that you've agreed to and receive some sort of benefit for I scowled long and hard at an endless succession of £9.50 monthly account fees when doing mine

them trying to delay is an irrelevance, give them only as much time as you have given them in your template letters, not a day more, they are due nothing else, it's not like they ever showed any leniency to you is it?

I think people should use the whizzy para that bong posted last week, asking that the something officer signs a statement confirming that they hold no data prior to that already supplied I think you really have to put a specific and professional person on the spot to get some truth out of them

hi rangey check any of the WON threads and you'll see the details you need in almost all of them, it's a very formal ritual towards the end not being difficult, I don't know without checking and it's a really good idea for you to skim a few threads of those that have gone before you as I recall, a week or two before the actual court date, krsytal something

you're saying that the court won't presume that the bank knows exactly what the charges were and would reach no conclusions from their failure to produce those charges despite being asked to?

that makes sense, just checking! I know little about the regular claims and nothing about the business ones has to be worth reading the scott £39k business claim against NW that made the news

Yes, I'd like to think that the legal foundation remained unchanged but I suspect the sheer amount of interest would be iffy I suspect the regular 8% will do just nicely Be nice to fill the spreadsheet in though and see Who knows, if they're difficult and sir is feeling bolder by then ...

People have done estimate charges before, it's not ideal obviously But Barclays have repeatedly refused to show the actual charges despite being asked to So they can hardly get arsey about the estimate can they? So the only concern is that they will choose the route that suits them

is that interest payment at 29.5% simple interest? if you're going to try that you might as well go for compound, that really adds to the total repeated advice on here is to understand the argument for Contractual interest, although they seem to settle such claim just the same, don;t let them settle the charges and go on to dispute the interest as for the letter, use the standard template from the template library, they work and you can trust them, I'm not saying your's isn;t good just that there's no advantage to going freelance and possibly there's some risks they can't do anything to your account while you're pursuing a claim the account is in dispute' is what you say to them if they try, I imagine the loan will relate to the account, but check that

compound unauthorised interest dating to 1992 ... my SAR is in for that too

sorry, bit of a mouthful wasn't it took me a while to get my head around and I use Excel a lot it makes sense once the sheet is filled in I find

the perils of using other sites ... You seem to have covered yourself ok it seems to me, make that clear in your documention for court they 'defend' every case so I'm guessing that they'll settle with you as they do everyone else your problem is that if you estimate low you know they'll settle for your figure I'm new so take expert advice over mine

keep doing the right thing in the right order, they pay in full with a day or two to go there's a number that you can call them on perhaps a week before court date and they settle in full don't have that sorry but any iof the 'won' threads will have it just prior to the win

the interest column checks how much in charges you were owed at the time the interest charge was made and then estimates what proportion of the interest charge results from your charges, fill it in and you don't really need to know that

every single thing they do is to try and put you off or buy you off cheap follow the procedure step by step and you will get every single penny you claim read and understand the spreadsheets before proceeding is my advice, claim the interest on your charged using the 'complex' sheet, you're leaving money behind if you don;t imho the CI claim is bolder and perhaps dodgier but people are getting that paid too and it adds a lot to a claim

how much was the interest that you've let them keep? fair whack on £10k I'd have thought well done though

sure the answers given all help with that hopefully the 'complex' one and the Mindsai one all want the data entering the same way

while you're at it, send the 'proper' SAR that asks for your entire banking history, with the added bit about microfiches, signed affadavits and stuff

the interest is calculated relative to the total of your charges at the date that the interest was charged in short, fill out the spreadsheet with the data and it wil work it out for you honest

that would make sense all sounds good then that's a fair bit of costs isn't it, although I suppose the court fee and the MCOL thing is most of it, plus time plus letters?

give it a whirl then, there's nothing to lose if you know what they owe you have you worked it out plus interest on the charges? adds a bit more and is legally sound Compound Contractual Interest if you're bold and brave but don;t settle for less than you decide on unless you want, every single indication is that you will get your money if you follow procedure, takes a few months though they can't do anything unpleasant to that account once you've got your claim under way, the account will 'be in dispute'

without statements how will you know what they owe you? there is a department that appear to settle in full once you're withing a week or so of the court date I really don;t see them giving anything away before then other than a partial payoff in full and final settlement

so they're ok with the charges plus comp CI but not the costs? that make sense, not 'serial litigant'? no problems with them being a 'serial illegal charger' then? sounds like you're on the cusp of a win to me excellent news can I ever so slightly have a look at your various letters regarding the CI argument? They clearly get the job done. I'm still at prelim stage with the CI claims thanks and how much did you claim for costs?

spiral of insanity or what? I think the only problem about the older claims is getting the statements

the 8% shouldn't be added until the MCOL/N1 (court) stage the interest the LBA template refers to is the interest you can claim back from overdraft interest on the charges seriously, read the forum for a while and get this sort of thing sussed, hundreds of people have won claims against every bank and learning the procedure will save ag all the way down the line that said, I think people have done this before and got away with it. you might want to send a corrected one with a covering note to say that it replaces the first one, might as well use the 'complex' sheet and actually work out and claim the interest on the charges I'm a new boy so if someone better at this gives different advice, they're probably right best of luck