johnie depp v bank of scotland

[jowalshy]

LBA = Letter Before Action, You can find it in the bank tempates library. It basically gives them 14 days to repay the charges and if they don't you will pursue the claim through the courts.

[jowalshy]

Your welcome johnie. Good luck with your claim.

[jowalshy]

Many of the banks are being swamped by the prelim letters and many people do not get any response at all. If you have proof that they received your prelim letter, then count 14 days from the date of that letter and then send your LBA. As long as you have proof of them having received your letters, just stick to the timescales.

 

Prelim 14 days

LBA 14 days

Claim

[jowalshy]

You're welcome jd, just keep reading as many threads as poss to keep you up to spead with all that goes on. If you have any problems just ask.

[jowalshy]

Hi jd, I received a letter the other day saying "sorry for not getting back to you, still investigatin etc." but the day before I received an offer from them (didn't accept as it wasn't the full amount)

 

Keep to your timescales and good luck

 

JW

[jowalshy]

Ooooooooooops. Wrong bank. The post above relates to another claim with HSBC. Sorry....lol.

[jowalshy]

Hi jd, you need to rework the letter to suit you. State that they have not replied satisfactorily to your letter.

 

The interest is not the 8%. If you use the advance spreadsheet in the templates it will take you through how to claim the interest you have been charged on your charges

[jowalshy]

It is in the bank templates library No 6 Interest calcuation spreadsheets. Click on England Advanced - Excel . Save it and then fill it in. There will be the instructions on how to use the spreadsheet on the left with the actual parts for you to fill in on the right (pretty blue and yellow colours on it) If you still can't find it, pm me your e-mail address and I will e-mail you a copy of the one I have.

[jowalshy]

wowwwwww! sounds very good but I don't think its correct. PM me and I will have a look to see what you have done.

[jowalshy]

Hi JD, Did you send the spreadsheet? Only message in PM box. I have PM'd you my e-mail address so you can send it that way.

[jowalshy]

Hi jd, You have to work out whether it is worthwhile you claiming the interest at this stage or whether to claim the 8% at MCOL stage. I personally worked out my interest to be only about £20 so therefore didn't bother. If you were in credit at the time of the interest being deducted from your account (which in my case I was), the spreadsheet shows a big fat zero to claim back. The decision is entirely up to you.

 

Good luck in whatever decision you have made and keep us informed on how it goes.

 

Take care

 

Jo

[jowalshy]

Hi jd, What is your spreadsheet doing? You can claim the interest worked out on the spreadsheet but the 8% at MCOL stage.