Charges refunded

[BankFodder]

Yup. 40 days

[lforster]

Okay. So adding something to this effect will pretty much complete my initial letter then.

 

or you can simply say that if they do not pay you your charges then your claim in the county court will be for the charges plus the interest they have charged on the overdraft value of this sum plus the County Court rate of 8% on the total plus your fixed costs.

 

Sorry if I missed it but how likely is it that Abbey will close my account during these proceedings?

[lforster]

Okay. So adding something to this effect will pretty much complete my initial letter then.

 

or you can simply say that if they do not pay you your charges then your claim in the county court will be for the charges plus the interest they have charged on the overdraft value of this sum plus the County Court rate of 8% on the total plus your fixed costs.

 

Sorry if I missed it but how likely is it that Abbey will close my account during these proceedings?

[BankFodder]

It's not at all certain but not unlikely. There you are, what sense can you make of that

 

Prudence dictates that you open another account.

[BankFodder]

It's not at all certain but not unlikely. There you are, what sense can you make of that

 

Prudence dictates that you open another account.

[lforster]

Thank you. That is my goal this afternoon, I have a Lloyds current account which I need to make sure is capable of the essentials such as direct debit and standing order - I have not used the account for some time so I need to make sure everything is okay before starting this.

[lforster]

Thank you. That is my goal this afternoon, I have a Lloyds current account which I need to make sure is capable of the essentials such as direct debit and standing order - I have not used the account for some time so I need to make sure everything is okay before starting this.

[lforster]

Nice one 8)

I believe mine to be a basic Lloyds account.

[lforster]

Nice one 8)

I believe mine to be a basic Lloyds account.

[lforster]

Will do I'm going in about 2:30 - 3:00.

[lforster]

Will do I'm going in about 2:30 - 3:00.

[lforster]

Dave:

 

They charge £30 a day for being above the agreed overdraft

Also returned items are £35 for standing orders, cheques & direct debits.

 

So no - it is no longer free - and mine is a classic account.

[lforster]

Dave:

 

They charge £30 a day for being above the agreed overdraft

Also returned items are £35 for standing orders, cheques & direct debits.

 

So no - it is no longer free - and mine is a classic account.

[stegarrity]

Forgive me for my naivity and lack of knowledge and understanding in this scenario.

 

I failed to follow the advice on interest (16% instead of 8%) etc. My wife is going through this but I found your letter very helpful in our hour of need. We dont have the statements currently and therefore cannot calculate the interest charged or see if it pushed further charges on (due to being overdrawn).

 

How would I phrase the additional figures for interest or without this informtaion would you suggest I follow the quote of "8% according to the CCA (1984)"?

 

This is our (and indeed my) first letter of this kind. Should a note of charges due to time spent be made on the initial letter or thrown in to the melting pot later on in the process?

[stegarrity]

Forgive me for my naivity and lack of knowledge and understanding in this scenario.

 

I failed to follow the advice on interest (16% instead of 8%) etc. My wife is going through this but I found your letter very helpful in our hour of need. We dont have the statements currently and therefore cannot calculate the interest charged or see if it pushed further charges on (due to being overdrawn).

 

How would I phrase the additional figures for interest or without this informtaion would you suggest I follow the quote of "8% according to the CCA (1984)"?

 

This is our (and indeed my) first letter of this kind. Should a note of charges due to time spent be made on the initial letter or thrown in to the melting pot later on in the process?

[BankFodder]

Forgive me for my naivity and lack of knowledge and understanding in this scenario.

 

I failed to follow the advice on interest (16% instead of 8%) etc. My wife is going through this but I found your letter very helpful in our hour of need. We dont have the statements currently and therefore cannot calculate the interest charged or see if it pushed further charges on (due to being overdrawn).

 

How would I phrase the additional figures for interest or without this informtaion would you suggest I follow the quote of "8% according to the CCA (1984)"?

 

This is our (and indeed my) first letter of this kind. Should a note of charges due to time spent be made on the initial letter or thrown in to the melting pot later on in the process?

 

Why don't you get the satements and so you can do it thoroughly.

can you post in a new thread please.

[BankFodder]

Forgive me for my naivity and lack of knowledge and understanding in this scenario.

 

I failed to follow the advice on interest (16% instead of 8%) etc. My wife is going through this but I found your letter very helpful in our hour of need. We dont have the statements currently and therefore cannot calculate the interest charged or see if it pushed further charges on (due to being overdrawn).

 

How would I phrase the additional figures for interest or without this informtaion would you suggest I follow the quote of "8% according to the CCA (1984)"?

 

This is our (and indeed my) first letter of this kind. Should a note of charges due to time spent be made on the initial letter or thrown in to the melting pot later on in the process?

 

Why don't you get the satements and so you can do it thoroughly.

can you post in a new thread please.