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johnpmc35

Johnpmc35 v NatWest

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Hi

 

I'm currently trawling though my bank statements & am attempting to fill in the interest spread sheet however I am a bit stuck. At the end of each month underneath where my interest is taken I have a charge but in the details all it has is a date, followed by my account number & then the amount taken which varies from £12.85 (Aug 2004), £20 (Sep 2004) or more recently £28. Does anybody know how I should record this charge on my spreadsheet.

 

Thanks a lot

 

John

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Guest NATTIE

Not sure on the £12.85 any further details, (did you have an advantage gold account? was it interest?) but definitely £20 Unarranged Borrowing and the £28 so claim em back.

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No, it's just a current account & the interest was £17.77 & is shown directly above it. It's recorded the exact same way as the others so I'll just put it down as unarranged borrowing too. Thanks for the advice.

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Guest NATTIE

I have a feeling you may well be right as I have come accross Unarranged borrowing as being at a pro rata rate.

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Sorry, another question....I used to have a an overdraft limit of £1,500 up until July 06 when I reduced it to £100. I have read that interest on arranged borrowing of up to £100 is free but obviously I incurred a lot of charges before this date. Should I therefore put the Annual Interest Rate as it was when I had an overdraft of £1,500 & if so do you know what this should be for a Current Plus Account. Thanks again, hopefully i'll get to grips with this interest soon!

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Guest NATTIE

First thing is yes to the £100 thingy as to the current rate which has just gone up today then have a look at the NatWest website under charges and interest and the answer will be there.

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Do I include interest taken for every month from when the first charge was taken, even if there were no charges taken in that month?

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Just a quick question. I am due to submit my claim to the court on Friday but I need to know if I am to include the £120 court fees on the schedule of charges & therefore the overall claim or will this automatically be included in cheque when I win? Thanks

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