Am I To Late ?

[twenty two]

Hi can ayone tell me if i can still claim my bank charges,

I had an account with Lloyds Tsb,it was just a basic account

with a facility for for paying in wages,D/Ds S/O.I lost my job

i missed a couple of D/Ds on my mortgage ect,which were returned

so i started getting charges wich snowballed over 2 years to £520.

The bank passed it to thier recovery dept in 2005 and stopped the

account so i have been paying monthly to pay this off.I have now

payed it off last month.

I have paid £10 to get my statements which show when i was in credit

but there is another sheet that has 9 entries (unpaid D/D ,UNPAID s/o)

the date and ammount ranging from £32 to 128 which all add up to £520

The £520 has not been paid to anyone appart from the bank.In other words

ther was no overdraft.Am i right in assuming theese are bank charges and

can i claim them back or is better to go to a commpany that specialises in this.

If i do try to do this is the next letter a formal demand for my money,using the

template from the libary.

 

Any help would be appreciated

cheers

Jk

[BARTY]

Hi and welcome:)

Right the next step is to send the "Preliminary approach for repayment"

letter out of the library: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

The charges you mentioned are all recoverable charges, so go for it. I wouldn't go to one of the companies that will do it for you and then take a percentage, do it yourself, it is not hard to do, and if you have any problems we are all here for you.

Good luck and let us know how you are getting on;

Barty:)

[whoareya]

Yes of course those charges are charges you can claim back and will claim back succesfully

 

I bet half of these companies read this site and probably post questions on here. I would also question if they have any real legal knowledge.

 

Do it yourself, the templates are there, it's not hard really.(HONEST!)

 

 

If this information has helped you, click on my scales

[twenty two]

Cheers guys I will have a go,but might not ask for intrest,as all ive got is this to go on that the bank sent as they stopped my account.

This is how it looks:-

03/05/2005 unpaid D/D 64.00dr

01/06/2005 " S/O 128.00dr

01/06/2005 " D/D 32.00dr

01/07/2005 " S/O 96.00dr

01/07/2005 " S/O 32.00dr

01/08/2005 " D/D 32.00dr

01/08/2005 " D/D 32.00dr

01/09/2005 " S/O 35.00dr

01/11/2005 " D/D 70.00dr END.

[twenty two]

I have received statements from my bank,but only received one sheet with charges listed with date and amount i have already sent a letter asking for repayment without interest but stipulating my next would be including interest and disclosure fee i paid.

eg

01/09/2005 unpaid s/o 35.00

01/11/2005 unpaid d/d 70.00

and so on

iam i right with interest @8% i would claim £135 on this example

[twenty two]

It has come to the point where i have given lloyds enough time to repay me.

Can i just download an N1 form fill in the particulars and attatch my

charges list with the 8% interest and take it to the court (im on income support) Do i need anything else.

 

 

 

Cheers

JK

[Rooster-UK]

Hi Twenty Two.

 

Click on the following link for N.1 form. You can fill it in, then print out three copies to take with you to court.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

 

For particulars of claim, click on this link for info.....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Take with you, proof that you are on income support....You might not have to pay the court fee.

 

Regards, Rooster.

[twenty two]

So the first link you gave me http://www.consumeractiongroup.c o....-form-pdf.html

is the form i can fill in online and print for the court and the second link you gave me http://www.consumeractiongroup.c o....-claim-n1.html is the imformation i put in it, i just put it all on the N1 form with my own charges eg.

Total charges £1000 interest @8% =£1080

is this right

Cheers

[Mindzai]

Not unless you were charged all £1000 exactly one year ago. The 8% is calculated on each charge, and it is 8% per year not just 8% of the charge. You dont need to do the maths yourself - if you download the spreadsheet here and enter your charge details it will do all the working out for you - and you will probably find you can claim more than you thought.

[twenty two]

Ok cheers i will use the spreadsheet,but was the rest of my post ok?

[twenty two]

Hi again, in the spreadsheet i am only claiming statatury intrest,so i list the date,reason and amount and then print this out ,then on the s69 8 interest tab i print this out and attatch to my N1 form and take it to court.

(1) Is this right

(2) When i change the end date, as i am not filling till feb 4th the interest goes crazy even on one charge eg £32.00 = -£247.30 intrest but if i leave it as it is it seems ok

[Mindzai]

1 - yes

2 - you shouldn't get a negative figure - are you sure you are filling out the date ok? Try entering 4/2/7 into the box and see what you get.

[twenty two]

Cheers Mindzai that works fine

Last thing, i dont have to click on the intrest daily tab do i,

on the s69 8 it says the daily rate in the top right is this the daily rate i use? im only claiming stat intrest.

 

 

 

Cheers

[lucid]

Hi,

 

The daily interest tab is for daily contractual interest. The s69 8% interest tab is the one you want - and the daily rate in top right is what you need for your claim form.

 

Good luck. Lucid

[twenty two]

Cheers mate.

[twenty two]

Hi Again I recieved the allocation questionnaire

yesterday and it has been damaged in the post

Can i download one and fill it in,i have the claim no,

and what Kind of imformation do i put in section G OTHER IMFORMATION to help.

 

 

 

 

 

 

 

Cheers Jk

[livelylad]

Hi Again I recieved the allocation questionnaire

yesterday and it has been damaged in the post

Can i download one and fill it in,i have the claim no,

and what Kind of imformation do i put in section G OTHER IMFORMATION to help.

 

 

 

 

 

 

 

Cheers Jk

 

Yes you can, all the information you require to complete the AQ is in the link below. The information specific to Sect G is listed below sect G.

 

Also please stick to one thread it makes it easier to follow your claim and answer any questions.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

[twenty two]

Ok Cheers and will do

[livelylad]

threads merged please stick to one thread.

[twenty two]

Yes ok ok sorry youv`e already told me.

[livelylad]

Yes ok ok sorry youv`e already told me.

 

Sorry didnt mean to harp on I have just merged them so its a standard reply.

[twenty two]

Ok sorry

Im just sending of my AQ, with the latest info in section G and

the draft order,Can i copy and paste it as it is? Do i need to take this bit out (If the Claimant fails to comply with this order, the claim will be struck out without further order) and the defence bit that says the same,and can i just attatch it to the N149 form?

[livelylad]

Ok sorry

Im just sending of my AQ, with the latest info in section G and

the draft order,Can i copy and paste it as it is? Do i need to take this bit out (If the Claimant fails to comply with this order, the claim will be struck out without further order) and the defence bit that says the same,and can i just attatch it to the N149 form?

 

 

Leave those bits in and yes attach it to the N149.

[twenty two]

Ok i`ve attatched the draft order of directions to the N149,

Is it worth sending a copy of the draft to the bank and the N149,if so how do i word the covering letter?

[twenty two]

Should i send a copy to the bank?