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What Charges Can I Claim????????????


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:confused: Hi all,

I've just been going through different peoples versions of what to do and am still none the wiser. What are the exact charges i can claim? i've listed direct debit refusals & Unpaid cheques but can i add a monthly unauthorised overdraft charge. Please can someone also tell me what the interest thing is all about coz i dont understand! I went onto the calculator & it worked out the interest since the day of the charge for me, Do i include this with my letter?

 

Thanks

Doodee xxxxxxx

:p Doodee:p

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Do not include any interest untill you go to court. Your 1st step is to send sar with £10 to get your last six years worth of statements When you recive that work out all your charges on a spread sheet without interest. You will find spread sheet vampires spreadsheets. Send that along with prelim letter also in libarary to the bank

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You can add all the big charges (usually only listed on statements as 'charges as notified') and the little bits of 'interest debited - as notified' that appear.

 

For your prelim letter and LBA, you do not print out your schedule of charges with the interest columns - just the charges.

 

Read the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html page, then read it again and again and again - it will help you understand what to do and when to do it:)

HALIFAX

30th Oct 06 - 18th Jan 07 - Success in claiming £3617.95

HALIFAX 2nd claim

5th Mar - 16th Apr - Success in claiming £176

EGG (3 accounts)

20th Jan 07 - SAR posted

17th Mar 07 - Paperwork received - bits missing

19th Mar - Non-compliance for missing bits posted

9th Apr - ICO complaint filed

BARCLAYCARD

20th Jan 07 - SAR posted

21st Mar - Statements received

23rd Mar - Prelim posted

31st Mar - Offer for £30 rec'd

10th Apr - LBA sent

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