maddie v alliance leic.

[gmcdonald]

i have just worked outmy bank charges £1,043.00 WITH OUT INTEREST. with interest £1.391.58. I HAVE DONE THE BANK CHARGES SCHEDULE WITH THE INTEREST. Do i know send it with the interest as the schedule calculates the interest.

[Kandinsky873]

gmc

If you are sending a prelim, then only send a schedule of charges, without the interest.

If you are sending the LBA then send charges schedule plus interest

If doing the MCOL or N1 then schedule of charges plus interest as at the date of claim.

Hope that helps

[gmcdonald]

i have recalculated my charges,alot more than i have asked for. without interest £1,043.00 WITH £1,391.58 the schedule sheet has all the interest added on. so what amount do i ask for.? AS I HAVE ALREADY SENT ALLIANCE A LETTER ASKING FOR ONLY £648.55 with interest. what should i do know?

[Kandinsky873]

when you send the LBA send them the updated schedule of charges and interest and make sure that you draw their attention to this fact in the letter and make sure the schedule includes this.

I added charges after the prelim which I had initially missed and had no problems. Just add into it something along the lines of 'herewith an updated schedule of charges which includes charges not previously included'

That should do the trick

[gmcdonald]

The Schedule Template I Used For Charges Adds The Interest Auto, So Could You Tell Me Where I Find The Schedule Without The Interest Added On. Thanks For Your Help.

[Kandinsky873]

I am not sure there is one????

What you can do is using the one that you have done, delete all the interest and interest columns and then save it under a seperate name.

Is that of any use??

[gmcdonald]

AT THE MOMENT I HAVE ONLY SENT THE LETTER ASKING FOR MY BANK CHARGES. and not had a reply yet. only sent it last week,do i send another LBA OR JUST SEND LETTER WITH UPDATED CHARGES explaining. do i give them another 14 days to reply from the time i send new letter?thanks one thick person.

[gmcdonald]

i have just recieved a offer from alliance & Leic. £246 in full and final settlement they r giving me till 7 th june to exept. must be joking;) my bank charges came to £1.043.00 with interest £1.391.58. so tonight i will have to get to grips with the next stage, is there anyone else at this stage? Would like to hear from anyone.

[blimeyboy]

send them a rejection letter ( see the template section) and then continue with your time table

[gmcdonald]

can any one help.? i sent my letter before action on 3.5.2007 got a reply offering me a refund of only£246. WITHOUT INTEREST they owe me £1.043.00 Do i wait the full 14days before next step, which i believe is court action i just cant get my head round this part, can any one help.

[col123]

start a thread in A&L section you will get all the help you need there.

[allen0601]

if i were u i would hold out if ur sum should be alot more.

[gmcdonald]

i do not know which template to use on declining there offer, that is alliance leic. theyhave not sent me a cheque, or put the money in my account.in part of the letter it says, We believe that all our charges have been applied in accordance with the terms & conditions of your account, of which you have been given a copy.However, having reviewed the particular circumstances of your case and taking into account the ongoing OFT review, in order to resolve this matter we are prepared to refund the sum of £246 in full and final settlement. they owe me £1.043.00 with out interest or £1.391.00 with interest, which amount do i claim for.:?

[gmcdonald]

Alliance leic. offered me £246 in full and final settlement of my claim for £1.391.58P Most of the templates say they have either been paid into there account or received a cheque they have only offered me this. which template do i use on response to settlement. also this amount i am claiming is with interest would this be right, or do i claim without interest.

[sgar]

im claiming with interest, just checked online court claim and it looks like they are going to pay the full amount, i rejected their first offer and told them i wouldnt be blackmailed into accepting it for them to keep my bank account open, i told them i would report them to the financial ombudsman if they close it and so far they havent

[sgar]

i used a template from penaltychargesforum.co.uk for the rejection to offer

[jonni2bad]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

The guide at the top shows what letter to send depending upon what stage your claim is at.

[Guest ChloeJane]

Hi there,

 

If you are the stage before court - then you only claim your charges without the interest.

 

If you are at the stage of already having filed - then you add the 8% and daily rate which is the second figure you gave.

 

If the rejection offer has come prior to filing the link that Jonni gave will make it clear at the top of each template letter, just adapt it - i.e if you have not had a cheque or money in your back and only a letter.

 

Obviously what they have offered, if it is prior to starting court action you can accept as part settlement as one of the templates shows.

 

If you are at court stage and have filed - you would reject the letter in full and return any cheque or rightfully ask them to remove the money from your account.

 

Any problems with a template or if you are not sure, post back.

 

CJ

[gmcdonald]

can any one help me:mad: i am claiming on line. i am not sure of the date money became owed to me ,is this the date when i first asked for my money back:confused: also it says daily rate of interest. what amount do i put. i am claiming £1,043.00 without interest or £1.391.58

[bsia666]

I am not sure what you mean re dates. Could you clarify or expand your question.

 

This might help re your interest question...........

 

This daily rate of interest is calculated by multiplying the total value of the claim (charges plus overdraft interest, if claimed) by 0.00022

For example,

£1,429 in charges

£27.40 in overdraft interest

Total £1,456.40

1466.58 x 0.00022 = 0.32 - This would therefor be £0.32p on a daily basis.

Please ensure you do your own calculation based on your totals

 

 

A link here.............

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

This is the way I filled in my MCOL...............it was from this thread

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/47334-shazza-l.html

1. The Claimant has an account xxxxxxxxx

with the Defendant opened xxxxxxxxxxx.

2.Since xxxxxxxxxxx the Defendant debited

charges in respect of purported breaches of

contract by the Claimant. 3.A list of the

charges has been sent to the Defendant.

Another copy will be sent. 4.Claimant

contends a.The charges are punitive in

nature and exceed any alleged actual loss

to the Defendant, b.The contractual

provision that permits the Defendant to

levy such charges is unenforceable by

virtue of the Unfair Contract Terms in

Consumer Contracts Regulations 1999, the

Unfair Contract Terms Act 1977 and the

common law. 5.The Claimant claims a.The

return of the amounts debited of £xxxxx,

b.Court costs,c.Interest per S.69 County

Courts Act 1984 of 8% - £xxxxx continuing at

8% until judgment or settlement at a daily

rate of £xxxx; 6.Alternatively, if the

charges are a fee for a service, then they

must be reasonable under S.15 of the Supply

of Goods and Services Act 1982.

 

All the best on your claim..............ps - im at total learner

[gmcdonald]

I need help as i am rather thick. i am filling out mcol. i am stuck:confused: it says a. RETURN OF THE AMOUNTS DEBITED of £1,043.00; this is my amount. b. Interest per s.69 COUNTY COURTS ACT 1984 OF 8% £1.391.58 CONTINUING AT 8% UNTILL JUDGMENT OR SETTLEMENT AT A DAILY RATE OF £0.xx;6. CAN ANYONE WORK THIS OUT FOR ME. PLEEEEEEEEEEAAAAAAASSSSSEEEE:)

[bsia666]

Hi, please double check this..............

 

Your total claim is £1,391.58

The daily interest is x 0.00022

------------

= 0.3061476

 

Round it down to an even penny (30) or put in 0.3061476.

 

I calculated this 4 times so I believe it is correct. You could google "online calculator" and i'm sure one will come up.

 

Willam.

[Michael Browne]

The daily rate is calculated on just your charges (+overdraft interest if claimed). It excludes s69 8% interest

 

a. RETURN OF THE AMOUNTS DEBITED of £1,043.00; this is my amount. b. Interest per s.69 COUNTY COURTS ACT 1984 OF 8% £348.58 CONTINUING AT 8% UNTILL JUDGMENT OR SETTLEMENT AT A DAILY RATE OF £0.23p

[gmcdonald]

alliance have been served with county court claim, received a letter back saying they intend to defend claim, they have however sent me a cheque today for £366.50 my claim was for £982.00 with interest , i would be claiming£1,3055.19. what is my next step can any one help me.

[livelylad]

alliance have been served with county court claim, received a letter back saying they intend to defend claim, they have however sent me a cheque today for £366.50 my claim was for £982.00 with interest , i would be claiming£1,3055.19. what is my next step can any one help me.

 

Hi I have merged 9 threads for this claim please stick to this one.

 

Ok this link here will help, you need to continue for the balance including the interest as you have filed the claim at court.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html