Hi All .. I am Just starting a new claim so every little helps !!!!!!

[kia]

well mow you have and will again no doubt xxkia

[loz1973]

Thanks guys will let u know when i'm done.

[jen78]

Hi Lol

my first time on and cant believe what i've been reading. Your story almost exactly the same as mine. I got my charges info in dribs and drabs, six months info was missing and they 'lost' my £10 cheque fee to keep the process dragging on. I eventuallt sent my claim letter by registered post last week and it was signed for on the 21st. Haven't heard a thing but after reading the recent experiences on here it looks like I am goin all the way!! Will keep an eye out for how you are getting on - dread to think I'll need to take it to court but need to be determined to keep going at them. Fingers crossed

[loz1973]

Hi all

New info received another letter this morning smack bang on the 4 week mark for the 1st LBA. Saying thanks for being patient but they are doing a Thoreau investigation and they will write again in 4 weeks to let me know how they are getting on etc.......

oh my god it is like a text book now having spent the last 2 months reading up on other threads.

I am still sorting paperwork out in between work kids and school runs and also looking after my friends kids after school as well, how mad am i. Never mind i hope the big fat cheque will be worth it in the end and the smug satisfaction of doing over the Abby as they did to me when times were hard.

Well after my little rant to nobody in particular I'll head off to bed so i may live to fight another day !!!!!! Night to you all.

[loz1973]

Hi can anyone help

I would like to get hold of the Abbey T & C for april 1997 can anyone help please ?????

[ohoh4312]

Hi loz

 

The earliest T & C's I have found anywhere are these:

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html

 

There was a link on an archive page for Dec 1997, but on reading the T & C's they are post 2005??

 

Sorry probably doesn't help.

 

Best regards

 

Jo xx

[loz1973]

Thanks for your info ohoh, i did find one for Dec 1997 but it would not load up but i'll keep trying !!!

[Robdblynd]

Have you tried RekaTech, he has them uploaded, the 1997 one is mainly a tarrif of charges though but at least it shows the amount you were being charged then.

[kia]

just say pretty please and hell oblige im sure xkia

[loz1973]

Thanks Kia, Also this by the way is doing my head in

How do i work out what my daily rate of interest is?

STILL on with my N1 Confused a bit but getting there!!

Also when handing in my N1 do i give copies of all correspondence between Abbey and Myself or does that come later

YOU BY THE WAY ARE A GOD SEND

[kia]

right as far as the n1 forms you only hand in the two copies of the form and your up to date spreadsheet with it and as for the interest what have you entered all your figures in cos the one ive got does it itself just adds it up as its going along and you just print it off when you need to take the forms in ok thank you nice to hear xxkia ps i still get mixed up even now just ask

[loz1973]

My spreadsheet has across the top - amount, Date incurred, Days since offense & interest 8% APR totals at the bottom are amount +2223.81 interest 654.81 Combined Total 2877.81

 

Don't think it has a daily interest rate

[markmaking]

Sorry if this may seem a little basic but could anyone tell me what i should be putting for schedule of claim charges, ie is this how long i wait until next letter or the from when the unlawful changes began.

 

thanks I dont want to mess things up.

 

Mark

[loz1973]

Hi Schedule of claim charges is a spread sheet of all your charges listed by date and it will work out interest etc....

If you go to the templates library it is in there and also all letters needed how far are u in your claim ????

I can't do links but if you look above user cp and click on the 1st consumer action group the bank templates are listed there hope this helps

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

OH my god i think I've done it !!!!

[kia]

it does have daily interest it does it automatically love check it every day its very clever it really is hope it helps xxxkia

[kia]

by the way how did you do the link not managed that yet lolxxkia

[loz1973]

OK I'm stumped because i copied of the templates and it says this see below:-

Charges £2.193.00

Interest under s.69 County Courts Act 1984 £654.81

Court Fee £120.00

 

TOTAL £ 2967.81

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgment/settlement at £xx.xx per day [(enter daily rate here -xxxx 0.00022 = OR at such rate and for such periods as the court deems just.

 

I'm stuck on the red bit, (hope I'm not being thick here, as i do tend to be sometimes). LOL

 

Thanks for you Patience

[loz1973]

Hi i opened a new page up looked for what i needed and highlighted (right 2 left) and copied all up to the 2 http// then clicked on the world with a chain link in my post and it came up with a box that had http// and pasted the clicked OK.

Does it work??? the link i did???

[ohoh4312]

Hi loz

 

No, you are not being thick at all - had me stumped for a bit too.

 

Anyway, it is the value of your charges x 0.00022, so yours would be:

 

2,193.00 x 0.00022 = 0.48, so daily rate is 48p.

 

Hope that helps.

 

Best regards

 

Jo xx

[loz1973]

Thank you, Thank You, Thank you

:D :D :D

 

That one has had me confused for a while, i was thinking along the right tracks but it wouldn't click into place.

[loz1973]

OK last question for tonight on the N! in the box at bottom of page 1

Amount claimed

Court fee

Solicitor's costs

Total amount

Do i put amount claimed 2193.00 or include the interest in this which would make it 2847.81 then 120 for court fee and total will be 2967.81

or do i leave off interest as i have stated under the Value section

i wish to claim interest at 8% with a daily rate until judgment.

 

My head is banging finished N1 after this question is answered Wohoo!!!!

[kia]

i just did interest till n1 form went in but i think when you do the court bundle you redo the spreadsheet with new amount in it so you put the amount with the interest on it so yes id put in the £2847.81+120 court fee and then the sum total so yes £2967.81 hope this is helpful its really confusing i know my head was split with all the numbers but you get there in the end xxkia

[sapphireeyes]

Hello Loz,

 

Sorry to intrude on your thread. I've been watching it very closely. You're one step ahead of me and your thread has been a great help. Thanks a million.

 

I'm just starting to fill in the N1 but like you was stuck on the daily interest rate....Little confused. Had a brief interest calculatin lesson from a collegue in accounts at work. If the annual rate is 8% then the daily rate should be 8 divided by 365 = 0.021 not 0.00022. That daily rate would total 0.08%. Is this right or am I being extremly thick...??

 

As this hasn't been asked would you happen to know if I'm reading this part right ? That the 8% and the daily rate are one and the same which means the spreadsheet does it for you.

 

) The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from [date when the money became owed to you] to [the date you are issuing the claim] of £ [amount] and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest]

 

Would really appreciate your help?

[ohoh4312]

Hi again loz

 

Amount claimed is your total charges plus interest to the actual date you submit your N1, plus your SAR fee if you paid it.

 

I did mine on 22nd June, so I printed off the schedule that morning, which had updated the calculations to that date.

 

Hope that helps.

 

Best regards

 

Jo xx

[markmaking]

Hi Schedule of claim charges is a spread sheet of all your charges listed by date and it will work out interest etc....

 

If you go to the templates library it is in there and also all letters needed how far are u in your claim ????

 

I can't do links but if you look above user cp and click on the 1st consumer action group the bank templates are listed there hope this helps

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

OH my god i think I've done it !!!!

 

 

Thanks loz may of been a mix up ive done the spread sheet, but cant work out what to put for where it says Schedule of claim is this for example the 14 day I give them untill I post the next letter or is it the date from the chages began untill present.

 

I would feel daft getting this bit wrong.

cheers