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sorry i used money lewis website i have only just read your reply is this ok


1. Between 09/05/2001 and 08/08/06 the Defendant debited numerous charges from the Claimant’s xxxxxx account.

2. The charges are an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999, because they are a disproportionately high sum in compensation compared to the cost of the purported breach.

3. Under the law of penalties, the charges are an unlawful ‘extravagant’ penalty.

4. Under the County Courts Act, the claimant is entitled to interest of 8% per annum from the date they were deprived of the money. This totals £1,028.87 accruing at the daily rate of 0.021% until judgment or payment.

5. The Claimant asks the court to enter judgment in their favour for £3,966.00 plus interest, totalling £4,994.87

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