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tonyryder
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Evening,

I need a little guidance if possible. I have sent the Data Protection Letter, and i have now got the 6 years worth of statements. I am going through them now, highlighting the charges. Can you answer some questions for me to help me please?

 

Do i input into the excel sheet the Returned DD Charges?

The Over the Overdraft Charges?

Monthly interest on the account for use of the overdraft?

Standing Order unable to pay charges?

Anything Else i should look out for?

 

Do i put all this in the excel sheet?

 

Once i have done this, what letter do i send?

Am i right in sayign that i DONT include the 8% at this stage as i am not takign any action yet? So i only claim the total of the charges, and any interest charged on the account monthly for the use of the account?

Please send a link to the next letter i send, i think it is the Letter - Preliminary approach for repayment. ??

 

I will keep the forum updated on my success.

Thanks for your help.

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Evening,

I need a little guidance if possible. I have sent the Data Protection Letter, and i have now got the 6 years worth of statements. I am going through them now, highlighting the charges. Can you answer some questions for me to help me please?

 

Do i input into the excel sheet the Returned DD Charges?

The Over the Overdraft Charges?

Monthly interest on the account for use of the overdraft?

Standing Order unable to pay charges?

Anything Else i should look out for?

 

Do i put all this in the excel sheet?

 

Once i have done this, what letter do i send?

Am i right in sayign that i DONT include the 8% at this stage as i am not takign any action yet? So i only claim the total of the charges, and any interest charged on the account monthly for the use of the account?

Please send a link to the next letter i send, i think it is the Letter - Preliminary approach for repayment. ??

 

I will keep the forum updated on my success.

Thanks for your help.

 

 

Hi

 

Welcome to the forum.

 

The o/d interest can only be claimed for the amounts of the unlawful charges. If the o/d charge is for an unauthorised, or being in excess of limit charge then yes - if it is a fee for granting you the service of an overdraft then no.

 

You are correct that the 8% is added when you escalate to a County Court action - not before.

 

And, yes, that is the correct letter.

 

All the best, keep us posted.

 

 

 

 

 

 

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Thread Locked

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Thanks

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