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Crantinope vs Norwich & Peterborough


crantinope
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Hi,

 

This is my 1st posting on the forum and I would appreciate a little bit of advice. Having already received my previous 6 yrs statements from N&P, I have identified what I think are all the relevant charges that I wish to reclaim, but there is an entry called "charges capitalised" for a nice round £40. Can anyone explain what this is and if I can claim this back (it only appears once in 6 yrs of statements)?

Just a couple of other things, (I know they have been answered in one way or another on other threads but i'd like to see them on mine too) in the prelim & LBA letters, do I just include the charge amounts and not the interest @ 8% on the schedule of charges and just add these at court filing stage, and is it best to just refuse a partial refund and press ahead with payment in full.

Let's hope the New Year brings windfalls to us all.:)

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hi crantinope,my dealings with n&p are that they will only offer 50% before court action (where i,m at ,about to file),however they will close your account :( saying its in your best interest as you aren,t happy:( with the service they are providing you with.my charges also stated charges capitalised i assume it was another way of saying d/d returned or similiar you must remember that n&p was only an estate agents in the late 80,s.cover yourself with another account before you give them a sniff as to what your intentions are:) .

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Hi,

I'm about to send my L.B.A, but have noticed that the first charge I am claiming for on my schedule is now just over 6 years old. Do I have to take this off now even though it was under the 6 year deadline when I sent the preliminary letter to the bank in February? Any help would be much appreciated. :confused:

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hi it should be ok ,as your first contact with the bank was before the six years .don,t worry put it in :) ,if they do query it you can always say that you will report them to the fsa when they tell you that your account will be closed.:p there is other posts in other bank forums in a similiar situation

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