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Help please!


maximuscatticus
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Hi there,

 

Just a bit confused about interest and what to claim and when to claim it. Basically so far I have got my list of charges from Nationwide and sen tthem my first letter just asking for all my charges back (amounted to £1912) with no interest mentioned and got a letter back saying very politely No.

 

Is it okay still to proceed without mentioning any interest? Or have I messed up already? Or can I add the interest amount into my next letter asking for the money back?

 

Thank you so much.

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Hi There, you havent messed up anything yet. The final documents that you submit to the court are the ones that cant be changed and you are nowhere near that yet.

What interest are you talking about? Do you mean the 8%?

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hi maxi

dont know if i can help just seen your post on another thread.

I personally used Mindzia's spreadsheet you can find a link to this on their thread just type the name in search and youll get it.

It can be very daunting when you first start all this and I dont pretend to be a genious at it , far from it. LOL.

I think if you just keep posting any questions on your thread you will always get someone to come along and help.

thats one thing about this site , a great bunch of people.

Which interest are you going for I went for conractyual myself but its not everyones choice. If the truth be known Im rather scared to say the least but then I thought , what the heckk the judge can only say no tho it then perhaps award me the 8% instead .Im not too worried about it just the thought that at last we can do soethin about it is enough.

I went to court this morning to file against scalifax.

its just a matter of waiting now.

If you have any questions or any problems give a shout and if i cant help im ure somebody will. Keep your chin up and dont worry. Good Luck

 

regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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