Started the ball rolling!

[michellej]

Thanks Michael,...nothing better then to be sure ,..And on the schedule of charges I will add the calculated interest on these charges,..not the 8% which is only added if going through the county courts,..Am I right in thinking this ,If so the speedsheet will add this?...just read on the forum the thing about adding the interest ,...sure you will point me in the right direction ,..thanks Mx

[Michael Browne]

To calculate the overdraft interest on your penalty charges you need to use the Advanced s/s here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

[michellej]

Hi there again read over the spreadsheets and see that I need to know the balance of the account to work the calculated interest on the charges,...I do not know these figures so are a little stuck working this interest out,...could I leave the interest off,..As I know this will be going to court so the 8% will be added to claim which will be a lot easier to work out,...Or will the abbey see this as not knowing what I am doing???????And here is me thinking I am ready,...all thoughts welcome sorry to be so thick Micheal.

[Michael Browne]

Plenty of people don't bother. Use the Simple s/s instead to work out the s69 8% interest.

[michellej]

I have used the simple ss,..but removed the interest colum as believe this is not added as yet,..only the charges with the prim letter,..Glad its not seen as a problem Mx.

[Michael Browne]

I have used the simple ss,..but removed the interest colum as believe this is not added as yet,..only the charges with the prim letter,...

 

Spot on.

[michellej]

Got it worked out now Micheal,..Thanks for your help Mx.

[michellej]

Hi all got everything sorted out now,...printed off the non-compliance letter giving the 7 days ,Primilary letter requesting the charges back (30% from old statements 70% estimated ),Also schedule of charges applied to my account,..run off 3 copies (1 for myself incase need any proof in court,..a copy for my local branch and a copy for the department which deal with these claims,)..will be posted tomorrow recorded delivery... So now the Fun Should start,..Get this case out the way then there is a few more companies including old credit card providers that will be receiving a S.A.R ,..Will consentrate on this claim first as priority as this will be very handy for Christmas Shopping,..Nice to sit back mid-September knowing Christmas is sorted no worries this year round,..or at least 99% no worries,..Will keep a update how things are going ,Welll not long now the 40 days has passed half way there,..all down hill now,..So excited now...Hope you all have as much fun as me doing this and best wishes & luck to all who give it a go ,..nowt to lose.

[michellej]

Well the letter have been sent just sit back and wait till the next round now,..downhill now.

[michellej]

Well still heard nothing from the abbey,..Was expecting a letter today or some type of responce,..well the 7 days are nearly up so a LBA will be sent ,..Well never mind the interest is worth the extra wait I think,..

[Nikki C]

Hi Michelle

Have been reading this thread and you are at exactly the same point as myself and have been asking the questions that I have been asking myself! So just to get things clear, you have put all your charges on to a simple spread sheet including those that you have no statements for(these you have estimated by working out an average for a month),and have included the 8% interest. Have you now sent that with the Preliminary approach for repayment letter?

Hope it`s going well

Nikki

[michellej]

Hi Nikki,..Yes put all the charges on a spread sheet including the estimated charges,...Never included the interest , Will be adding this when lodging with county court ,..Hope this helps Best of Luck M.

[kia]

im at next stage from you guys court and im not altogether sure what im doing but im sure it will be alright on the night lol joking aside the longer it goes on the better for your bank balance do they still keep charging you cause the silly people do me still nice little earner eh!!xxKia

[michellej]

Well still nothing off the abbey,..Not even a letter to say their recieved the non-compliance letter,.. Well it looks like court it is,..Think I will get my LBA letter sorted out aswell as the 14 days are up next week,..And Kia you are right nice little earner and their can take as long as their wish,..the longer the wait the more the money their will pay out,..Will keep this updated M.

[traceyrmj]

michelle if you send a notice of action letter at the same time as you issue the MCOL they cant then claim they knew nothign of the case, less chance of it getting set aside???

[michellej]

Hi Tracey,...notice of action letter at the same time you issue MCOL?,..

 

:confused:

[michellej]

Right gang,...the 7 days are up tomorrow for non-compliance of my list of transactions/charges,..Should I file with the court ?...Also can I do this online,..Or am I getting mixed up and only claims can be lodged online?..any advice would be greatly appreciated as I am more than ready for any & all battles with the shabbey,..next week there will get the LBA letter and 14 days after that I will file straight away for court as their attituide needs to change big time,..Well sure their will get sick before ourselfs,..Well best wishes all with all you challenge M.

[Michael Browne]

Non compliance must be on N1

[michellej]

Hi Michael,...So its the N1 ,So I will collect this from my local courts then?..need to know I am doing things right,..just seem to get a little lost,..And the more reading I do the more I get lost,..Para I make a mistake,..thanks for the reply Mx.

[Michael Browne]

Download it here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

 

Non Complince POC here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

[michellej]

So I just fill the non-compliance to suit my situation??also is the N1 on the site to look over or download??all help needed now as shabbey have had a day over now,..(Been busy with work to get myself even after all the charges,..)but all advice is welcome as I need to act. thanks all Mx.

[michellej]

Thinking over things,...think I might let the non-compliance slip,..might not file for missing statements,..(there have had there chance)think I will wait till next week till the 14 days are up for return of estimated claim,..Then its the LBA,..can not be bothered spending time chasing things what their do not wish to send,...Let the estimated claim run,..Do not mind paying £30 to adjust the figures,...Well what you all think???????

[kia]

so im not the only one getting lost it gets much worse but someone always helps if you scream loud enough and i do alot of that watch this space

[michellej]

Hi there again Kia,..Think I have it worked out now at long last,..Not going to bother with the non-compliance(I have a estimated claim their will have to show these at some stage after I put the estimated claim to the courts)

 

Sent them my prem letter 19th sept so from the 20th I will take served as next day recorded delivery,..The 14 days is up this wednesday 4th october.

Will send the LBA Letter on the 3rd to arrive the 4th.(Giving them a further 14 days (18th october) Then will file my claim with the courts 3 copies of N1 plus 3 copies of schedule.

Assuming ;Notice of Issue is within 2 days (like most of the others)..Their have 14 days to acknowledge the claim(3rd November)...(IF NOT I WIN BY DEFAULT)

 

If their acknowledge the claim their will have a further 28 days to submit defence.(1st December)

 

*No defence after 28 days, FILE APPLICATION FOR DEFAULT.(1st December)

*Once the Defence is lodged with the court it will take about 2 weeks to A+Q's stage(15th December) .

 

Any thoughts on this is more than welcome,..This is my plan after reading all weekend,..if you can pick up on anything which is not correct please feel free to point this out,..

 

Best Wishes Mx.

[kia]

glad someone on the ball not me thats for sure i thought i had it cracked over adding the interest thing on the claim for court but now theyve really confused me by saying you have to add 0.22p for every day from when charged and thats thrown me now i thought you just added 8% interest will someone tell me if this is right for boyh our sakes taXXkia