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Kevboy_telford's wife Vs Gnatwest


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Hi all,

 

am about to start this joyful adventure again and hope I dont mess up again:D:D:D

 

couple of quick questions to start with.

 

1) Whats the chance of succeeding of 6+ years? As at present we have at least £900 (if we go back 8 years) or £400 if we go back less than 6.

 

2) Haven't started on the interest route yet. Whats the easiest way of working it out, as her account goes up and down like a yo-yo.

 

Cheers

 

Kevin

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Hi Kevin - nice to have you on board!

 

Hope everything's going well?

 

Once a claim is filed at court, Cobbetts always argue Limitations with any claim that has pre-six year charges on it - but don't worry about that at the moment. I had some pre-six year charges mixed up within my own claim and they paid up nicely after AQ! ;) Just include the older charges with the claim and proceed with prelim.

 

With the interest - I assume you want to reclaim the overdraft interest (plus 8% when you file at court)? Make sure you download one of the complex spreadsheets if this is the case. I honestly can't advise you on reclaiming the overdraft interest though............. I gave up trying to calculate my own after several temper tantrums ;)

 

Best of luck hun, xxx :)

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nice to be back!

 

ok - will go ahead and do the pre six years

re interest - its the percentage of the overdraft interest charges that I have a problem with. Ie a overdraft interest of £27.43 do I reclaim all that interest or a percentage of it. In my last one I went the whole hog and claimed everything where I was in my OD (which I think is slightly wrong!)

 

and yes I am using the complex spreadsheet

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Hi Kev

 

With regards to the overdraft interest, you are able to reclaim the proportion of it which is in direct relation to the charges applied to your account. Try entering all the details into this spreadsheet and it will calculate exactly what proportion is deemed acceptable to reclaim.

 

http://www.consumeractiongroup.co.uk/Spreadsheets/England/Complex-bank-charges-calc.xls

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:D NAT WEST - WON - £4282.36:D

 

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