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

[Guest bong]

Look in the library for the spreadsheets which when completed become your schedule of charges. There are instructions for using the spreadsheets but if you need help come back and ask.

 

You can't claim the 8% interest at this stage. That's only if it gets to court and you add it into your claim when you prepare your court documents.

 

Read as much information on the forum as you can before you begin the process.

[Glenn UK]

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.IF you had a bank account its usual for the bank to charge you interest when you either go overdrawn or exceed and authorised overdraft.

This will show up in your statements simply as interest debited from your account.

You can reclaim it if you have paid it.

 

 

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

 

 

 

Dan

 

Re interest and the 8%, this is known as Section 69 interest and can only be claimed when you file at court.

 

However, should you so choose you can add contractual interest when you send your first pre lim letter to the bank.

 

HTH

 

 

Glenn