Thanks for help. I will definately be asking for more help. By the way have i posted this thread in the right place? Jane

Hi I have done the new letter & schedule. I have read the faqs & mistook where it said charges + interest, to be the 8% interest. This is why i need help Anyway once i get my son to sign the letter i will post it off & see what happens next.

Hi Sorry but what does LBA mean? I originally got the templates from Martin lewis website & that one said to send schedule with 8% interest & the one i printed from there earlier also said the same thing, now i'm well confused.

Hi I am just about to send off the final letter before starting the court procedure & i thought i'd better come on here & introduce myself & make sure i do things right, as i'm starting to get nervous about this now. I'm claiming back charges for my son from the woolwich. I have added the 8% interest & the total including that is £846.00. When i sent the original letter i got a reply saying they were looking into his concerns & will respond by 12th april. If i wait till 12th april that will be 3 weeks over the deadline of 14 days i gave them, so i'm not going to wait. Hope this post has made some sort of sense as i think i'm going to need guidance from now on. Jane