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Hi Everyone.

 

I'm looking for advise, I'm at the point of sending my 'Preliminary approach for repayment' letter but i'm not sure wether on the section what i require should the interest at this stage be the 8.00% as used on Vampiress's Spread sheet? or should I not show any interest at this stage. Also is the phrase 'Charges As Notified' acceptable wording for 'Charge Reason' on my spreadsheet? the spreadsheet was a basic one showing charge amount, charge date & interest.

 

thanks

:confused:
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You don't use the 8% interest until you reach the stage of filing your claim through the courts.

You really should be a little more specific for the charge descriptions, i.e. overlimit fee, or unpaid direct debit etc.

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i'm about ready to send my preliminary letter but need to included a schedule, what should that look like?

 

 

Ok if you are asking this question do you think you are really ready? Maybe a bit more reading may be in order ;)

The schedule of charges is in the Library Vamps has made excellent spreadsheets the Schedule is self explanitory.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Would I be right in thinking that I use the spreadsheet as my schedule?

 

Yes you just omit the interest until the court claim as deller said.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Thanks for the reply, I thought that was the next stage only they all seem to show the 8% interest which i thought i was'nt meant to show at this stage (I've not had much experiance with spread sheets)

 

Ok they all show 8% because of the formula on the sheet. It is easier to omit the 8% hope this makes sense. complete the spreadsheet with just your charges on forget the interest until the Court stage. All you are doing is showing them th echarges you dispute. Please start a thread in your banks forum.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Im just about ready now to send my Preliminary approach for repayment letter. Just want to check I've got the right address : Trinity Road, Halifax, HX1 2RG. Only I'm sure I saw another address mention on this website.:)

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Guest willowb

Boat, you need to set up a thread in the halifax section of the forum. you'll also find an 'address' sticky at the top of the halifax section. Read through some of the threads also, knowledge is power!!!

 

Wxx

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:) Hello everybody. I had my statements back from the halifax last week, and I'am now ready to send my request for repayment of charges £617.00. Which I'll be sending by recorded delivery on monday morning. Thanks to the help and support of this website i'm feeling very confident about the whole situation.
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And so you should be - just keep reading the advice here and come back and ask any questions that you cannot find the answers too.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Right posts moved here to Halifax group.Try and keep posts here !!:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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