Checkoutdolly V's Barclays

[saintly_1]

Barclays Bank plc

1 churchill Place

London

E14 5HP

[checkoutdolly]

have gone to do court papers today and done my spreadsheets fine but then when it comes to end bit of court papers im flumoxed with this

 

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

 

right got my charges done they work out at £1.185.00

 

overdraft intrest is this the 8% apr i worked out if so this comes to £265.12

but then what then hell is intrest under s.69

if it's the 0.00022p a day one how do i work this out in plain English please

[dar£n]

have gone to do court papers today and done my spreadsheets fine but then when it comes to end bit of court papers im flumoxed with this

 

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

 

right got my charges done they work out at £1.185.00

 

overdraft intrest is this the 8% apr i worked out if so this comes to £265.12

but then what then hell is intrest under s.69

if it's the 0.00022p a day one how do i work this out in plain English

please

 

Your interest wil be auto calculated if you have used the spreadsheets from this site:

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

[dar£n]

Please do not post a new THREAD with every new question...just use the REPLY,

it makes it easy to follow your progress.

[checkoutdolly]

did that and it's worked them out mising something here me what is the overdraft intrest i should be including then

[thecolourofmoney]

If you have completed your spreadsheet and included what interest you were charged (this would be on your bank statements) then the spreadsheet automatically calculates the exact amount you can claim.

 

So: On your spreadsheet you should have a column with charges and a column with the TOTAL intested charged for the month and a seperate column calculated automatically with the amount you can actually claim.

 

Added on to that total of charged and interest will be the 8% statutory interest you can claim. Dont forget to include court fees etc.

 

Trust this explains it for you.

 

TCOM

[checkoutdolly]

i have a list of the charge ie direct debit the date it occured days since offence and then the 8% apr amount is this right did it from of the spreadsheets on here

[Micky the Hippo]

Charges £xxx.xx This is your basic charges

Overdraft Interest £xxx.xx This is the interest as a result of charges

Interest under s.69 County Courts Act 1984 £xxx.xx THis is the 8% interest claimable once you issue your N1/MCOL, no sooner

Court Fee £xx.xx This is the £120/whatever you have to pay to issue N1/MCOL

 

Read the step by steps guide etc etc, it will get a bit more fiddly than this quite soon

[welshcakes]

Hi CD

 

I presume that you didn't quote any interest in your Prelim and LBA letters either? If you did, then it's the same charges + interest figures you used then.

 

It isn't essential to calculate the Overdraft Interest or to include it in your claim espscially if it's only a small amount and is causing you headaches.

 

If you're not going to include it, just remove the line Interest Overdraft from your claim.

 

Remeber that if you've had more charges against your bank account since sending your letters to bank, you can include these fresh charges in this one claim.

[thecolourofmoney]

If you look at the bottom of the spreadsheet you will have three headings.

 

Notes

Charges and Interest

8% Interest.

 

You complete the "charges and interet" one first. You include your charges from your statements and what "overdraft interest" you were charged (this is usually stated at the end of each month) also on your bank statements.

 

Once inputted this will automatically trasfer to the 8% interest spreadsheet which will show...

 

CHARGES

INTEREST CHARGES

8% STAT INTEREST

 

TCOM

[jopickett11]

I've got to agree with Welshcakes as i had the same probems trying to work out the overdraft interest bits too.. it really confused me (doesn't take much!) I ended up just sending off for the charges as i kindof decided that the o/d interest each month wasn't amounting to huge amounts... But i suppose that wa dthe lazy way out.. Good luck if you do manage to do it

 

Jo Jo

[Janet-M]

5 threads merged

 

please keep to the one thread when asking questions or updating .This is in your own interest as you will get much more informed advice when people can see at a glance what you have done so far

[checkoutdolly]

Hi thanks all for the advice have finally got spreadsheets done with a bit of help from my son. going up to the court today to file wheels in motion so to speak this is when the panic sets in again

[checkoutdolly]

quick question have barclay's put a stay in all claims mine is in and due to hear from them by next monday the 13th. i f we don't can judgment still be requested or has this all gone out of the window. Groaning at the thought of a two year wait as predicted in news

[saintly_1]

Yes if they dont file their defence/ acknowledgement then you can still apply for judgment

[checkoutdolly]

thanks saintly fingers crossed that happens but then they will probably put a stay in gawd they make me amd thousands of others swear

[saintly_1]

Dont worry ....... im waiting for them to acknowledge my claim its due Wed 9th Aug

[checkoutdolly]

oooooooooooooooo time scales near each other let me know how you get on

[saintly_1]

I will

[checkoutdolly]

Got a letter off Barclays yesterday but not sure how you post it on here to show folks

general gist off it is if you put a claim in we will put a stay in if you apply to fos you will have to wait

[saintly_1]

We all seem to be getting the same letter

[checkoutdolly]

it's wed the 9th saintly have you heard anyhting off then thinking of you let me know how you get on if you ring up courts

[checkoutdolly]

well got my letter from court to say Barclays had acknowledged my claim on the 9th guess its just a waiting game now:sad:

[checkoutdolly]

had a look on link to see whether my court is proceeding or not against stays and they are on the unsure list

 

in the same state as everyone else just think banks are b******s

[checkoutdolly]

could anyone help and put me the link back on my thread the one to see which courts are proceeding i cant seem to find it anywhere

not that im hopeful barclays just putting in stays left right and centre determind to draw it out and put people off claiming in first place i think