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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

How to calculate interest on charges?

purp22

By purp22
in Santander

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purp22

purp22

Posted
Posted

Cannot find the answer to this - any help welcome.

 

The pro-forma letter refers to charges "plus £XXX which you have charged me in overdraft interest for the sum which you have taken". I was planning on using my statements to calculate the amount of charges rather than sending a DPA letter. Would sending a DPA letter enable me to calculate the interest? How is this calculated? The amount referred to in the letter does not sound like the same thing as the 8% statutory interest, which is only demanded on the claim form.

 

Thanks.

 

PURP22

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Spiceskull

Spiceskull

Posted
Posted

There are 3 types of interest that we need to be concerned with:

  • 8% APR - ONLY needed if the case reaches court (and it is on all the money the banks has taken from you, and calculated for each charge from the date applied)
  • Interest charged on your overdraft (which, in all fairness, the bank is entitled to charge)
  • Interest charged on the charges the bank has taken from you (as they should not have taken the charge, they should not charge interest!!!)

However, as most statements lump these last two together as 'Interest Charges' there is almost no way that you will be able to work out what the pro-rata interest charges are.

 

If you can, then clearly only claim for that which you are entitled to. If not, then claim for the lot, and the onus will be on the bank to demonstrate what it is entitled to.

 

The point here is one of honesty - if you have only ever had one penalty charge of £30, but have £100's in interest charges, then clearly most of the interest is a valid charge by the bank, and therefore irrecoverable.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 5 months later...
Mrs Goggins

Mrs Goggins

Posted
Posted

Hi abcdef,

Regarding your 3rd point on interest on charges - is this right? they can't charge interest on charges? If that's the case, how do i claim this? Have already sent prelim letter and LBA, and shortly going to file claim with county court - but haven't included this interest charge in original letter.

Is it too late now?

 

Appreciate any advice :)

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  • 12 years later...
purp22

purp22

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This topic was closed on 2019-03-08.

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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