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    • The particulars of the claim are: 1. THE CLAIMANT CLAIMS £6,xxx.xx FOR         MONIES DUE FROM THE DEFENDANT.               2. THIS DEBT WAS PURSUANT TO A REGULATED     AGREEMENT(S) BETWEEN THE DEFENDANT AND THE   STUDENT LOANS COMPANY LIMITED.               3. THE DEFENDANT FAILED TO MAKE PAYMENTS AS  PER THE TERMS RESULTING IN THE AGREEMENT(S)  BEING TERMINATED.  NOTICE OF SUCH IS SERVED  BY A DEFAULT OR TERMINATION NOTICE SUBJECT TOTHE TERMS OF THE AGREEMENT(S).               4. THE DEBT WAS ASSIGNED TO THE CLAIMANT ON  22/11/2013, WITH A NOTICE PROVIDED TO THE    DEFENDANT.  A NEW MASTER REFERENCE NUMBER    xxxxxxxxxxxxx WAS ALSO APPLIED UPON       ASSIGNMENT.                                  5.  THE CLAIMANT HAS COMPLIED WITH THE       PRE-ACTION PROTOCOL FOR DEBT CLAIMS.                                                                                                                                                                                                                                                                                                                                       The claimant details are: ERUDIO STUDENT LOANS LIMITED   The claim amount details are: Amount Claimed £6xxx.xx Court Fee £410.00 Solicitor Costs £100.00 Total £6xxx.xx
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Hi all - confused! which charges you can claim for


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Hi all, Im pretty new to this site and am wanting to claim back charges like all of you, I recently got my statement of charges from LLoyds TSB but Im confused and Id really appreciate advice and help nn one question

 

which of these charges can I claim back, they've catagorised them as the following;

 

O/Draft Excess Fee

 

Over draft Interest

 

Account Charges

 

Unpaid DD

 

 

????????

 

can I claim for all of these as in total they all add up to £1425 or can I only claim back some of these charges

 

would really appreciate any help

 

thanks and I wish you all weel with your claims:confused:

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Guest Niklowe

Everthing but the OD interest snoopy

 

You've come to the right place to get back your charges.

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy, start a new thread in the section for your institution that you are claiming against, and away you go. There are lots of people to help you, but don't forget this is a very much a self help site.

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Good luck but you won't need it

 

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Nik

 

thanks for the info, Ive just typed out my prelim letter and done the speadsheet with interest calculator. Just one thing though that Im still confused about;

 

On the prelim letter template, it says quote;

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 enclose a schedule of the charges which I am claiming with this letter.

 

unquote

 

Now is that overdraft interest figure I put down the one from my statements which you posted in your first reply to me saying you couldnt claim that or is the interest thats already calculated on the exel speadsheet template ???

 

thanks again for you help

 

Snoop

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Nik

 

thanks for the info, Ive just typed out my prelim letter and done the speadsheet with interest calculator. Just one thing though that Im still confused about;

 

On the prelim letter template, it says quote;

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 enclose a schedule of the charges which I am claiming with this letter.

 

unquote

 

Now is that overdraft interest figure I put down the one from my statements which you posted in your first reply to me saying you couldnt claim that or is the interest thats already calculated on the exel speadsheet template ???

 

thanks again for you help

 

Snoop

 

Hi Snoop

 

First of all i think it would be more beneficial if you posted in the relevant bank forum, as you will get a lot more replies which are applicable to the banking charges you are reclaiming.

 

You can claim over daraft interest that the bank applied to your account for when the charges have taken you over your limit.

 

Do not apply for statutory interest until you have reached the court stage of you claim.

 

I would suggest you go back over the FAQs....i cannot stress how important they are to a claimant. Print them out. Also see the complete a-z http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/69359-cant-find-what-youre.html

for any questions you may have...a lot of what people are looking for is in there somewhere!

 

Good luck

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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