I'm sorry your unhappy with the charges!

[jonnytub]

Well of course you are, because I'm claiming them back!

 

I've just received my letter from Barclays after sending the second letter from the library section (the one that gives them 2 weeks to respond before the LBA is sent) and I wonder if you knowledgable people could help. The letter states that they are ;looking into my complaint' and the timescale they give is and I quote:

 

"May I take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot gaurantee that we will do so. Sometimes it does take longer to fully investigate a complaint. However we aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report on our progress will be sent to you within eight weeks."

 

So my question is, should I still send the LBA as I said I would in the second letter after the weeks have expired?

 

Thanks for any response.

 

John.

[jonnytub]

Sorry that should read:

 

So my question is, should I still send the LBA as I said I would in the second letter after the TWO weeks have expired?

[hagenuk]

Yes, stick to your timetable.

[jonnytub]

I will, thanks for that (again)

 

Strange thing, I didn't get any email notifying me of a response?

[jendoc]

Hi......Don't let these arrogant bullies run the show!.... stick to your own agenda and the tried and tested procedure initiated from this site... Give them an inch and they will take more money from your account and try to intimidate and sway you as much as possible.

 

Jendoc

[jonnytub]

Thank you for the support jendoc, I'm 3 days away from sending the LBA.

 

Regards

 

JT

[jonnytub]

Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

[jonnytub]

OOPS

 

"(and I'm at work so CAN'T get it off my copies)"

[Welshman]

Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

 

You send off the Prelim letter and print out a copy of the schedule before 8%. In fact, print two, you'll need the second in two weeks when you should send the LBA .

[jonnytub]

Thank you for the prompt response Welshman.

 

You must have poked some memory cells, now I remember, I'm in fact ready to send my LBA off in two days but at least now I can pass the info on to my brother about which parts to include in his claim.

 

Thanks again.

[jonnytub]

Hi people,

 

Tommorow is time up day, they've had the 2 weeks and I'm now ready to post my LBA so it lands on their desks exactly as promised. I would appreciate it if anyone could have a quick look over my LBA before I post it (details removed) as I'm claiming for two accounts in one letter.

 

The letter is here http://www.lwc.org.uk/letter.html

 

Thank you for any response, you've all been very supportive!

[jonnytub]

anyone?

[steveoram1]

Think you should stick with the LBA in the templates. There is a proper step-by-step system outlined in the faq's which has been used successfully by thousands of us. Each step/template letter is there for a good reason - i.e. they work. If you stick to this tried & tested method you should eventually end up getting your charges back. Good luck.

[jonnytub]

That is a template is it not?

[Michael Browne]

Head the letter: Letter Before Action.

 

Penalty charges not default

 

4th para doesn't make sense: You're prepared to pay the charges only if the bank repays them. Eh?

 

14 days not 7

 

Remove last sentence, keep everything in writing

[jonnytub]

Thanks Michael, I downloaded two lots of templates, from here and the which? website, I'll make the changes and post back.

[Michael Browne]

As Steveoram says the LBA template works. Why fix it?

[jonnytub]

Whoa people, hold on, I didn't change anything!

 

Like I said I downloaded templates from here AND the WHICH? website, I must have used the which one by accident. Anyhow, it's not important now, hopefully I've got it right this time???? http://img416.imageshack.us/img416/7858/1un2.jpg

[Welshman]

Hi jonnytub.

 

The link you provided is not very clear (well not on my pc anyway) but it's just legible enough to see that it is more or less the template provided in this site. If that's the case then you'll be fine. Again, just remember to attach the schedule of charges (without the 8% interest).

 

Steve and Michael were only trying to help by the way. They aren't going to guide you down the wrong path because they are on your side as are all of us here.

 

Go get 'em

[jonnytub]

Thanks Welshman, believe me I wasn't having a pop, my spoken word doesn't translate well into text, at least thats my excuse Apologies if that's how I came across, it wasn't intentional.

 

Question, the 8% interest thing, isn't that the overdraft interest I mention in the letter?

 

P.S. The picture should expand to fit 100% it's original size if you click the expand button on the bottom right.

[Michael Browne]

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

[jonnytub]

Thanks for that Michael, and everyone else who's helped so far.

[Welshman]

No. The 8% interest doesn't get introduced until Court filing stage.

 

You should edit the text to "I calculate that you have taken £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming etc etc ...." unless of course that you ARE claiming the overdraft interest from your statements. I didn't.

 

Hope this helps you (Typing doesn't always come across in the correct way - you don't get to see the facial expressions and body language)

[Welshman]

Sorry for cross posting Michael, was dealing with two threads at the same time.

[jonnytub]

Thanks Welshman, I won't be bothering claiming the interest, for one I don't think my brain could take working it all out and the sums involved aren't huge so best left alone, by me that is, lol.