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Multiple charges applied on the same day


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Hi. My first post and it's a quick question. On the spreadsheet, should I list each charge separately? e.g. 29 'cheque card misuse' penalties were debited from my account on 3/1/2006 totalling £623.50. Should I list 29 identical items @ £21.50 or consolidate them into 1 item?


I assume that I should use the date that the penalties were debited and not the date that the card misuse occurred.


I'm about to issue the LBA.

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It does go from the actual date the charges were debited. The interest is also calculated from that date, as that's the date they 'borrowed' your money (without your permission).



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