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What is a schedule of charges?


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I am about to send my prelim letter to YB Visa

 

Is a schedule of charges (which I read I must include), just a list of the charges and dates I am asking them to repay?

 

Thanks, i have been looking around on here but cant find that info.

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Hi Kimbers,

 

Check out the following link to download the correct spreadsheet for your schedule. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

However, it's also a really good idea to read the step by step instructions and FAQs to get a clear plan of attack.

Good luck.

 

Shumba

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Thanks Shumba. I have read and read and read, but I think I have injested too much info in one sitting as I was doubting my own thoughts.

 

When you say dont forget to remove the interest column from your prelim do you mean the line that mentions "plus £XXX which you have charged me in interest for the sums which you have taken" ?

 

Thanks

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No. I mean from the spreadsheet showing your schedule of charges. Include the interest that the bank has charged you on your statement, but the interest that is calculated on the spreadsheet is the interest that you will charge them when it gets to court stage, so delete that column and the one saying how many days since offence.

 

I would still like a moderator or site helper to comment on the interest Q I posed on my thread if possible though.

 

Shumba

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