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Adding up charges with or without refunds ?


paulminize
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When i add up all the charges, i know for a fact i had some refunded at the time - the following month. Do i just play ignorant and give a list of ALL charges or should i be honest and show where charges have been refunded

 

Paul

Me

HSBC: DPASAR 08/08 - Standard Reply XX/08 - First statments 21/08

Capital One: DPASAR 08/08 - Standard Reply XX/08 - First Statements XX/08

MBNA: DPASAR 08/08 - Standard Reply XX/08 - First Statements XX/08

G.E Money (BurtonCard): DPASAR 09/08 - No Reply

Citi Bank: DPASAR 08/08 - Requested more personal info 10/08 - Sent 10/08

RBoS: DPASAR 07/08 - Standard Reply XX/08

HSBC (Credit Card): DPASAR XX/08

 

Partner

Argos: DPASAR 10/08 - Screen Prints XX/08 - Prelim 17/08

New Look: DPASAR 09/08 - No Reply

Abbey Nat: DPASAR 10/08 - Requested more personal info - Sent XX/08

 

Mom

Barclay Card: DPASAR 17/08 -

Capital One: DPASAR 18/08 -

L.P.F: DPASAR 18/08 -

Lloyds TSB: DPASAR 17/08 -

Monument: DPASAR 17/08 -

Sainsbury's Credit Card: DPASAR 17/08 -

 

Partners Mom

Studio: Prelim

Allders: Prelim

 

Partners Sis

NatWest: DPASAR 22/08

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I think you know the answer to this don't you?

 

I have just sent my LBA to RBS, attached is a schedule of charges detailing over £4k of charges, three entries are titled REFUND OF CHARGES and these refunds total over £400.

 

I entered these refunds for two reasons, a) because they exist and the money was refunded to me and b) to demonstrate to a District Judge (should it get that far) that the banks can and do refund these charges, which they would not do if they truly were a genuine cost to the bank.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Either remove the charges or list them as a reverse on your spreadsheet, you really don't want an excuse for the bank to have some sort of argument against your case.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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