A Little Bit Nervous . . . .

[katielshaw]

Hello,

 

Luckily I still have all my statements from First Direct current account, and to my horror have incurred £694 charges in 18 months! So have read and read and read all the threads (hence why am still up at this time most nights this site is more addictive than BB!) Anyway will be sending the letter before action tomorrow for my money, plus interest, those spreadsheets are fab! I will let you know how I get one but have to admit im very very nervous, I know its just a matter of confidence (which has been beaten out of me by these institutions) and i suppose i will feel better as I do more, everyone on here seems so sassy and in control im just a little bit frightened of getting out of my depth . . . ..

 

 

Data Protection Act Letter sent to Hitachi Capital Bank 10/7/06

Dpa Letter sent to Next Directory 10/7/06

Prelim request sent to First Direct £694 + £3.10 interest 18/07/06

MANY MORE TO COME. . . .

 

THIS IS AN AMAZING SITE THANKS FOR HELPING ME GET THIS FAR THE FOUNDERS SHOULD BE KNIGHTED KEEP UP THE GOOD WORK EVERYONE YOU REALLY ARE HELPING PEOPLE CHANGE THEIR LIVES FOR THE BETTER

[katielshaw]

Hi

at least im not the only one up at this time on this site! thanks 4 your reply. I used the spread sheet with the turquoise boxes on it, i think i have done it right i filled in all my info it says at the top:

DATE PENALTY APPLIEDDETAIL OF PENALTYPENALTY CHARGED8% ON PENALTIESINTEREST DATEINTEREST ON PENALTIES8% ON INTEREST ON PENALTIESTOTALS:691.5048.243.100.25

so from that I assume that at this stage i want £691.50 and £3.10 and then if i go to court i will add on the £48.24 and the 25p. Does it look like ive done it right? I know im getting ahead of myself with this spread sheet but wanted to understand everything as best i could and the only way i understand is to do it if you know what i mean.

hope ive not messed up

 

DPA Letter sent to Hitachi Capital Bank 10/7/06

Dpa Letter sent to Next Directory 10/7/06

Prelim request sent to First Direct £694 + £3.10 interest 18/07/06

[katielshaw]

oopps. that didnt come out too good.

 

DATE PENALTY APPLIED

DETAIL OF PENALTY

PENALTY CHARGED

8% ON PENALTIES

INTEREST DATE

INTEREST ON PENALTIES

8% ON INTEREST ON PENALTIES

TOTALS:

691.50

48.24

3.10

0.25

 

ill try again

DPA Letter sent to Hitachi Capital Bank 10/7/06

Dpa Letter sent to Next Directory 10/7/06

Prelim request sent to First Direct £694 + £3.10 interest 18/07/06

 

[katielshaw]

im gettin mad now

 

basically the top line of the spread sheet with blue boxes reads:

penalty charged £691.5

8% interest on Penalty £48.24

interest on penalties £3.10

8% interest on penalties 25p

 

so i assume i want the £691.5 + £3.10 now and if i have to file for court i them add on the £48.24 + 25p. Is that right?

[katielshaw]

thanks v much! (feeling a tiny little itty bit chuffed)