The weird thing is the spreadsheet calculates my judicial interest as £8.73. Is that right, it seems a bit odd.

Brilliant, thanks Rogue. Appreciate it.

Bump! See post Above^

Okay, it's been a month since I've done anything - work has kept me pretty busy. Now I need some help. These are my calculations: Days since In respect of Amount Date incurred offence Interest Unauthorised Overdraft Charge 7.00 05/12/2000 2254 £3.41 Paid Item Charge 25.00 18/10/2003 1207 £6.53 Paid Item Charge 25.00 27/10/2004 832 £4.50 Paid Item Charge 25.00 13/01/2006 389 £2.10 Unauthorised Overdraft Charge 25.00 06/02/2006 365 £1.98 Unauthorised Overdraft Charge 25.00 06/02/2006 365 £1.98 Paid Item Charge 25.00 13/06/2006 238 £1.29 Paid Item Charge 25.00 14/06/2006 237 £1.28 Failed Cheque Charge 34.00 15/06/2006 236 £1.74 Paid Item Charge 25.00 15/06/2006 236 £1.28 Failed Direct Debit Charge 34.00 19/06/2006 232 £1.71 Paid Item Charge 25.00 20/06/2006 231 £1.25 Unauthorised Overdraft Charge 25.00 06/07/2006 215 £1.16 Unauthorised Overdraft Charge 25.00 06/07/2006 215 £1.16 Unauthorised Overdraft Charge 25.00 05/08/2006 185 £1.00 Paid Item Charge 25.00 28/11/2006 70 £0.38 Unauthorised Overdraft Charge 25.00 21/12/2006 47 £0.25 Total Charges: £425.00 Total Interest: £33.00 TOTAL CLAIMED AT DATE OF SERVICE: £458.00 JUDICIAL INTEREST AT CURRENT RATE OF 8%: £8.73 TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT: £466.74 I'm a bit confused by a section in the court claim: Can somebody please unravel this one for me? I'm really lost at this point. Thanks.

Thanks lancsman! Yep, in Scotland, not sure why we don't have something akin to MCOL, but there you go. Good luck with your claim!

Ok, the LBA has been ignored. I assume I can't use MCOL because I live in Scotland? Will fill in the court forms this week.

Hello, I ordered a sticker pack on 13th of Dec, but never received it. Email rejected to admin -at- consumeractiongroup.co.uk. Could the correct Admin pm me and I'll supply the PayPal transaction detals. Thanks Aaron

Hi all! This is the letter I received today from A&L Anybody tell me if they got the same letter? Next step LBA!

Thanks for posting that BankFodder. Gave me a right old belly laugh.

They did take up to the last minute. I am preparing my Preliminary Approach letter and Schedule of Charges.

By my calculations A&L have 8-9 days left to reply. Is it usual for them to take up to the last minute? Hmmm...

Thanks for the information and the kind welcome. I've read through the FAQ's today and intend to keep a bookmark at the top of my favorites list.

I've just posted my SAR with a cheque for £10. I looked at this a few months ago, but didn't do anything about it. I am so glad I found this site, the amount of useful information is staggering. When I get my money, I'm going to restore my VW bus.

Brilliant! Thanks for the advice and warm welcome Gizmo.

Time to take back what's mine from the banking system. This looks like a great place to start.