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Lisa Bowater

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  1. Hi, The prelim expires tomorrow - and i have not been contacted by Halifax!! Shall i make contact to make sure they rcvd the letter etc [even tho it was sent by recorded delivery! and i checked with royal mail it got there ok!] or should i just send the LBA tomorrow?? Lisa
  2. ok. Thanks guys. You have all been a big help and i wont forget it when i come to make a donation!
  3. thanks all, ok about to send the prelim, should i add the £5 admin fee?
  4. Thanks, I think i got it. Ok i have picked the s/s which includes contractual interest and not statutory, and is asking me to changed the 8 per cent to my banks unauhtorised or authorised overdraft rate? whats this?
  5. Thanks Guys, It does help. What about the overdraft interest you charge before court action, i tried to use the spreadsheet but could not work it out Also when working out the daily rate once you submit the MCOL when do you start the charge for the daily rate and stop it? Thanks
  6. Thanks, the 'to date' is that todays date or the date they charge me interest? and do i do that for each bank charge? or is this the calculation i use before the MCOL? sorry i just worry
  7. Ok. I am about to send the prelium letter for £1,045.00 do i include the £5 admin charge? I have not included the 8 per cent interest do to the current statge nor the standard interest as i could not work out the spreadsheet i just thought, i'd rather get it right, so i just claimed for charges. Am i guessing the charge for the interest taken back by halifax for the bank charges wont be that much anyway and therefore have done the right thing? Lisa x
  8. Ok, i have recieved my bank statements, albeit the first 5 months - but they are on the way!I am ready to calculate my charges and understand i am not to use the 8 per cent interest at this point, but can use the interest for the overdraft charge only if it was soley due to the overdraft fee - how do i work this out? Thanks Lisa
  9. After reading throught the site, I seen a post saying if you claim tax credits you dont have to pay the costs, but a application needs to be made at the court in person, where you can pick up the forms, rather then online. I guess to provide proof of benefits. Sorry if this is duff information, it's just what I seen, I hope it is true though as I claim tax credits being a working mum and child benefit. Hope this helps
  10. Thanks I was thinking of leaving Halifax when this is all over, but after reading other "threads" regrding other banks, it has put me of the all lol
  11. Thanks it has made me feel better. If they do, and they give me notice, then I can arrange something as I do use my overdraft each time, however the fees stem back from my younger days when my limit was different to theirs albeit a 60p or so difference, where they charged me £30 for it, then a further £28 if the funds were not in my account, when it was claimed back Even if they did, it would just make me even more determind to claim MY money back. Thanks for the promt feedback, your assistance is appreciated
  12. Thanks again Lisa If anyone can confirm this, would be great.....if it is true...i will be screwed that particular month
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