Hi there I'm new to all of this and am confused on the "claiming interest" subject. I have entered all of my charges onto the Simple spreadsheet and total charges = £3532.20, the 8% interest = £389.30 the combined total being £3921.50 I am assuming that should i be successful, I will receive the combined total? Having read the this thread I am aware that this amount can in fact be even more due to the "contractual interest" This is where i get confused. Apologies if I appear thick, but I would be soooooooooooooo grateful if someone could explain to me what the difference is and how it is worked out etc... Many many thanks J xx

Hi Uk I have sent 2 requests for a refund, stating that the charges are unlawful etc and have informed them that if they do not refund me then I will be making a claim against them. I have received correspondence from Stuart Higley basically saying "no chance" & "your responsibility" etc. However I have not sent a schedule of charges with either of these requests and having read the site recently, it appears that I should have done so. I am unsure whether to re-send my last letter and include the Schedule or write a brief note stating "further to my last letter etc please find attached Schedule of Charge in respect of ...... I would be grateful for any advice on this. Many thanks J

Hello everyone. This is my first post & I just wanted to introduce myself. I have just finished adding up the amount of charges that have been applied to my account over the last 6 years and the total amount comes to £3585.20 !!. I am about to fill in the on-line claim form and will keep the site updated on my progress! I have been able to get this far after reading loads of info and advice on this site so am so glad that this site exists!!