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!!