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Stu V's Abbey-Compound Interest


Stu'75
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Hello all.

 

I am after a little advice on a few issues with Abbey.

I am on my third claim with them.

 

Total charges are £1038.23 and I am going to send them the prelim then the LBA , I am fully aware that this will be put on hold by Abbey and I dont think I need to file in court??(please correct me if I need to) I do however want to claim Contractual/Compound interest on top.

 

Two points here, is the rate 19.9% AER as in my "preffered in credit OD rate" or is it the 27.9% Unauth OD interest.

 

Also I am not 100% on how to work the amount out on top of the £1038.23, I will of course work out the 8% as well so that if and when I have to go to N1 and court stages I could use this as a fall back rate??

 

Any help of this would be appreciated.

 

Stu:D

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