Many thanks, Royal Bank of Scotland it is, I take it you still used your local branch address?

Hi, Looking for some advice, I'm at the stage of getting my paperwork ready to go down to Hamilton Court, my question is this, all my letters have been sent to (and had the usual reply's) from my local bank manager, I have heard that most people have been dealing with a Tommy McLean (think that's right) from the RBS, shall I continue with my personal bank managers name and branch address as the DEFENDANT on the small claims form, thanks in advance. Chris

Many Thanks, I'll give it a go!

The normal interest rate being? i.e the one you used:smile: ? Thanks very much for all the help by the way, ive got 4 other accounts and this is my first so hopefully I'll get the just of things soon enough.

So from my total charges (980) I add the 29% of the £980 on the spreadsheet for my total, then if / when it goes to court then i can add a further 8% many thanks..

I'm Sorry cant help you with that one, I have just added up the total charges and no interest from my statements or any interest added on the spreadsheet it's £980, but looking back, this is for the full six years of statements, need to take off a years

So thats 5 years from today ?

Apologies if this is going over old ground, just a bit mixed up and would like someone to confirm if possible, Thanks in advance... 1. I understand that 8% can only be added once it goes to court, (JUDICIAL INTEREST RATE?) Question is can I add 8% to my total for normal interest so to speak. 2.Whats the exact lenth of time you can claim back on in Scotland, i've read its 6 years but pretty sure someone said 5 years on one of the posts, cant find it now. 3. What's the name of the dog in the wizard of Oz...

Hi, I am currently at the same stage as you, from my statements it looks like the charges were £10 from April 2001 then £12 from April 2005. I cant work out the charges previous to this, some months its just £5 then rises to £6, I was thinking of sticking to the £10 charge to keep on the safe side. Complete novice here so don’t take this as a definite. Good Luck!