Have you actually received anything back from the bank yet though?? Until such a time that you actually have any funds returned to you then you don't need to amend your claim ammount at all.

Hi break It can be a little confusing at first but we were all there once. Have a look through this link and it may offer you some help. http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html#post102552

Yes Frank, unarranged borrowing fees are claimable charges so include these.

Was the ammount paid into your bank the FULL ammount, inclusive of the Section 69 interest? As you have already filed your claim through the courts you are entitled to this too.

I wouldn't bother phoning them, it's not worth getting into any sort of dispute over the phone. The bank are well aware of the process and the letter you sent them outlined your intentions. If the 14 days have passed since sending your preliminary letter then you should now proceed with the next stage and send your LBA.

Hi Dazbot With regards to the interest you can claim there a a couple of options. The overdraft interest is not claimable as a whole but you are able to claim a proportion which is deemed to be in direct relation to the charges incurred on the account. You should enter all the charge details into one of the spreadsheets as this will do the workings out for you. This spreadsheet will also act as your "Scedule of Charges" which should be sent at each stage of your claim as this is the direct breakdown of what you are claiming. Once you reach the stage of filing your claim through the courts you are also entitled to claim 8% interest under Section 69 of the County Courts Act. The Simple Spreadsheets will work out the 8% for you whereas the Advanced Spreadsheets will calculate both the O/D interest and the 8% interest. Remember to omit the 8% part from your schedule for the early stages as this is only claimable at the court stage. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Hope this helps Trish

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Yes it does get rather exciting the closer you get to the finish line!!

Have you submitted your court bundle?? http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

This is standard practice for th ebank to firstly, defend the claim, and secondly allow their solicitors to deal with any future proceedings. You just need to wait now until you receive any more correspondence before you need to take any further action.

No problem, glad to be of help....

If you have a court date then your settlement will be very close.

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! Trish Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Yes you leave out the Overdraft Interest part, but the section regarding Section 69 of thr County Courts Act should be included. This is the daily rate your claim grows by from filing at court date right through to settlement date. You are perfectly entitled to this so claim it....

If you've already filed your claim through the courts then any settlement from now on must include the 8% interest, the bank had their chance to settle your claim without this at both the Preliminary Letter stage and the LBA stage.

Charges £xxx.xx - I put my charges total here, yeah? Yes, Charges Total Overdraft Interest £xxx.xx - The 8% Interest, right? No, this would be any overdraft interest you wish to claim back. Interest under s.69 County Courts Act 1984 £xxx.xx - What on Earth is this? This is the 8% Interest. Court Fee £xx.xx - Rather obvious. The court fee depends on the amount you are claiming. TOTAL £ xx.xx - As above. Yes, total of all the above. Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just. - *confused* ;This is correct, (Charges Total + OD interest) x 0.00022.......don't include the 8% interest when calculating this figure.

Yes you can send a nudge letter, it doesn't matter how far into the claim you are. With regards to the evidence you need to submit, see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

If you enter your charge details into one of the spreadsheets this will act as your schedule of charges. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

It can be very daunting doing your own claim but just think about what you'll get back at the end of it. There are plenty of experienced people on this site to help you through it too, so you're not alone!!

As it is now a joint account either one of you can issue the claim.

OK just want to check everything over for you: Have you entered all your charge details into a spreadsheet?? This will act as your schedule of charges and will calculate the 8% interest on each charge from the date it was applied to your account. http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls This schedule is what you will send to the bank upon submission of your claim through the courts. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}. {date when the money became owed to you} This is the date of the first charge you are reclaiming. {the date you are issuing the claim} This is the actual date you file your claim through the court. {put the amount} This is the total amount of the 8% interest as calculated by the spreadsheet, not the Charges total. {enter the daily rate of interest} The daily rate is calculated by Charges Total x 0.00022, therefore £0.85 is a little excessive. You state in your first post that you're claiming £650, if this is the total of your charges then your daily rate will be £0.14.

Knowing Cobbetts (Nat Wests solicitors) this will be a fairly standard defence, but if you have any worries about it then post it up here and we'll be able to pick through it for you. There is no need to use a solicitor yourself.