Help please: A couple of questions

[dn852k4]

I've just received my statements for the last 4 years from Halifax.

I'm preparing the first letter to send off to them, one thing I'm not 100% on though, is where you have to include a 'schedules of charges' what exactly should I include? The statements with the charges highlighted? A typed out list, for example:

 

6/10/04 Charges as notified £30

 

20/12/04 charges as notified £28

 

 

on so on..

 

 

Also, where it mentions that I can claim 8% interest on charges, am I eligible for this? I didn't have an authorised overdraft on my account, therefore I wasn't charged any interested for being overdrawn, just the £28/£30 charge.

 

 

I'd appreciated it if someone could clarify the above points for me.

 

 

 

Dan

[Michael Browne]

Use the Simple s/s here:

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

 

Overwrite 1st 3 columns with your data. Save it (for use at court), delete/hide the last 2 columns (8% bits) and print out as scheduke of charges.

 

 

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim