Unauthorised overdraft- can I claim?

[Kurt_Hamster]

Was wondering what the next step would be- and how much roughly would I pay in court fees etc. Also I would like to know what other charges I can reclaim and/or costs I can add, which RBS would have to give me. Thanks everyone.

 

All these things and more are answered in great detail in the rest of the forum.

 

May I suggest the FAQ section would be the first place to start?

[Kurt_Hamster]

Thanks mr hamster & t4ff, had a look in the FAQ section, and the step-by-step example thread answered the majority of my questions. Just three things I'm unclear on:

 

1) On the spreadsheet's first tab, it says "total owed before interest". This is the amount I can reclaim while I send my prelim letter, correct? Am I right in saying that the 8% can only be added once matters have proceeded further (LBA)?

The statutory 8% can only be added after you have commenced court proceedings. I would suggest in your LBA that you just refer to it rather than actually give a total figure.

 

2) Where a "schedule" of charges is mentioned, what would be acceptable? An A4 sheet with all my charges + dates incurred, or a printout of the spreadsheet, or photocopied bank statements? Actually after reading the prelim letter template, I assume it's a photocopy of the spreadsheet, but it's best to make sure.

 

You seem to have a propensity for over-complicating things.

 

1. Fill in spreadsheet

2. Print spreadsheet.

 

3) Could someone please tell me what the mysterious £28.00 charge is that has appeared twice on my statements? I think it's for going over a overdraft limit that was never agreed to! Could somebody confirm this?

 

 

What's it described as on your statement?