just about to send my prelim letter off - couple of questions

[robo2]

1. what is the schedule of charges i have to include with the prelim letter

2. do i add in the 8% interest using vampresses spreasheets if i intend to go down the FOS route

3. the address i am putting in the prelim letter is the customer relation dept in edinburgh- is this correct

[robo2]

4. i have to send the letter recorded delivery, dont i

5. do i also stick the tenner in i paid to get my bank statements sent to me

[Kurt_Hamster]

Methinks you haven't quite got the sequence of events down just yet.

 

When you refer to a "prelim letter" are you referring to the first letter asking for your charges back or are you making your SAR?

 

Step 1 = Send off your SAR with your tenner asking for the list of charges/6 years statement.

 

Step 2 = When you have your statements, and you know how much you are owed then write to the bank asking for it back.

 

Step 3 = When they don't send you a cheque/fill your account with rupees you send your LBA.

 

If you intend using the FOS you need to wait 8 weeks after step 2 before you make your complaint.

 

If you are intending using the FOS you can't claim the 8% statutory interest as that is something that is awarded by the court.

 

And yes, you are recommended to use recorded delivery for any dealings you have with the bank where you want to know when they received the letter.

[robo2]

have my statements its the prelim letter im sending off, what is the schedule of charges it says i have to include this with the latter?

[Michael Browne]

what is the schedule of charges it says i have to include this with the latter?

Use the s/s, but without the 8% interest columns. ie just show:

type of charge, amount and date.

[robo2]

ah right , cheers for your help, what about the ten pound fee for the statements

[Yanni]

ah right , cheers for your help, what about the ten pound fee for the statements

 

If you are sending the prelim letter there is no need to send any remittance, that is only for Subject Access Request to get statement copies or list of charges and you say you already have your statements.

[robo2]

right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

3. what address have i to put on my envelope

4. its just the letter and my schedule of charges i include

[brightestsparkler]

right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

 

I used the address that my account is held at

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

Not sure I wrote claiming interest, but I think it would look kinda odd to include a sentence about something you are not claiming in.

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

 

3. what address have i to put on my envelope

 

4. its just the letter and my schedule of charges i include - yes

 

Good luck with your claim!

[Yanni]

right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

 

3. what address have i to put on my envelope

 

4. its just the letter and my schedule of charges i include

 

1. You should be writing to the Customer Relations Unit, The Forthstone, 56 South Gyle Crescent, Edinburgh EH12 9LE. Send by Recorded Delivery just so you can track the letter.

 

2. If you're not actually claiming interest, take out the reference to it, altho I included the interest in my list of bank charges and made a mention to it but did not specifically claim it, just mentioned that if applied to the total of the charges, it would add to the sum claimed back.

 

3. As in address above.

 

4. Yes, altho you can leave in the interest column as in 2. above.

 

Just have a bit patience, you will get your money back.

[robo2]

right thats sorted now, last thing before i post it off, is this the right letter to send off in scotland

 

"I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs."