thanks for the replay but Im still a bit lost, I have filled in the date/charges/amount on the spreadsheet - but with the interest Im not sure still what Im putting down. The 'INTEREST CHARGED' is this the amount that is shown as 'overdraft interest' on the statement? If so should I be putting down the interest which is shown on the next months statement, which relates to this months charges?? Sorry Im confused!! Also Im not sure if we have blown it or not, we missed a £100 worth of charges on an old statement. If I put a new figure on the LBA will it be ok, what can I say? thanks v much in advance

Hi all, im just about to send my LBA and (although I may have been stupid) I missed off the interest amount on the first letter. Now Im about to send the LBA I need to know what Im asking for in regards to interest. I just need someone to claify it for me as my brains not working due to a cold. What interest do I include - is it the interest amount that they show as a charge on my statements each month when I go into my overdraft or is it on the amount of charges each month - if the latter whats the best way of working that out? Should I get the amount of charges each month and work out the interest at the overdraft rate for that month on that amount....does that make sense?? thanks in advance Dazbot

Just posted this again in the abbey section, sorry about that. Thanks Trish will update in the Abbey from now on.

hi, firstly thanks for the help on this forum and template letters etc! Posted first letter to Abbey and received a standard 'Dealing with complaint' letter two days after saying it can take four weeks. Should I still send the LBA on the 14th day or wait for another response? thanks in advance Dazbot

hi, firstly thanks for the help on this forum and template letters etc! Posted first letter to Abbey and received a standard 'Dealing with complaint' letter two days after saying it can take four weeks. Should I still send the LBA on the 14th day or wait for another response? thanks in advance Dazbot

Hi all, I have just started reading up about the possibility getting my charges refunded by CFS, and I was wondering if anybody can give me some quick starting points / and if I should go ahead or not etc Brief history I purchased a oven from a company called northern Electric some years ago now, they went bust and as I hadn't paid off my bill to them for the oven (by now pay later) the administrators passed on my account onto CFS. I heard nothing for 1/2 year after hearing that they had gone down the pan, then I recieved a call from CFS saying that I needed to pay £22 a month to clear the account. Having a couple of dodgy financal years I have missed around 20 payment dates and have now a 800 settlement figure from them / a large amount of it being made up from these late payment charges and 'default letter charges'. My question is this > can I reclaim these charges ? Are they unlawful? thanks Dazbot