Mr Rhodes -v- HSBC plc

[lateralus]

i understand - if he can't identify which charges have been refunded - then it seems logical to include all charges and then subtract the amount refunded at the bottom and claim what's left - i think it looks very logical - as long as you show them exactly what you are doing and why.

 

just include all charges and then at the bottom - put a sentence like -

on xx/xx/xx, £xxx in charges were refunded to me. due to the lack of clarity in your correspondence as to which charges were returned to me - i include all charges and deduct the amount already refunded - leaving a balance of xxx in charges which i am now claiming.

[lateralus]

and with the help of a lot of very funny (odd, unusual, humous) people!

[lateralus]

w-noujd

 

i just broke my computer!

 

hope not -

 

i meant HUMOURLESS , er no, that's HUMOURESS or in american it's humerous.

i've been taking lessons at the auburn g.e. school of typing.

 

going for my next qualification later!

[lateralus]

aaah, now - you've touched on an important point.

 

you may not just add those interest debits (overdraft interest) charges on to your list without some backup. as you can only claim the portion of the interest that relates to your charges..... you must use the advanced spreadsheet in the library templates to calculate which portion, if any, of each charge you can claim. so, you have to enter all the charges on the advanced spreadsheet oldest charges first working to newest and - first on the charges and interest tab - this will give you a total of the charges and the overdraft interest which applies to them. then you re-do the spreadsheet on the 8% interest tab. this will give you the amount of interest which you will be able to claim - but not until the claim filing stage.

so, do the advanced spreadsheet now - see if the o/d interest is worth adding on. and you will be ahead of the game as you will also have done the 8% interest which you will be adding at the filing stage.

if you don't understand what i've just said - then it would be best to not bother with the overdraft interest at all rather than to do it incorrectly and then have the bank/solicitors throw it back at you later.

get back if you need help with this.

[lateralus]

if you've used the advanced s preadsheet then fine - claim charges and the 122 in overdraft interest - you are way ahead of me. i just didn't want you to just plonk them on there in total which would be totally incorrect and believe me - many, many people have done this, which is why i go on and on about it. if you've done the advanced and that's worked it out - then fine!!!! job done!

 

use the spreadsheet for your breakddown to go with your letter - just cover over or fold back the 8% interest column til you need it later when you are doing a court claim

 

also, recorded delivery is fine (and cheaper than special delivery) you can track the delivery on-line. use it for everything you send to the bank and later to the solicitor and the court

[lateralus]

i doubt if it will help anyone else - you seem to have grasped it admirably.

100% correct. i don't understand the formula and i got my son his overdraft interest back - i think you need to be aware that they may question it - but honestly - with what you've written above - you go to the head of the class - you've got it.

read the o/d interest blurb on this: Charges description on statements - Please Read and i normally tell people - if you understand that paragraph then go ahead and claim - if not - probably best to leave it - but you've understood - so go with it.

[lateralus]

there's lots written about it on the lloyds thread - basically it was a harsh decision on the day and as a result - now we ask for t & c in the prelim and in the lba and if they don't send them - we include them in with the court bundle (should it get that far) we now tell anyone going to court - have t & c's with you. bank didn't show and apparently kevin - the guy involved was well up for it - it just turned on him not being able to produce the t & c's i think. you can read all about it on lloyds thread.