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Claiming interest - letter wording


dippy_chick
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Hi There,

 

I'm just about to send my Letter Before Action to the HSBC, but I'm confused at the wording in the draft.

 

I've read posts here that say you shouldn't claim the interest until you go to court, however, the draft includes wording that claims the interest? Should I just follow the draft word for word?

 

I calculate that you have taken £XXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

 

I should have asked this when I sent my preliminary letter, but I just fudged an edit and removed the part pertaining to the interest.

 

Thanks In Advance

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the interest part of the draft is relating to overdraft interest NOT the 8% statutory interest which you don't claim for until you file your claim in court. if you haven't included overdraft interest in your spreadsheet - then rightly so, just edit the letter to best suit you.

If i've been helpful in any way....then tip my scales over there!

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