Urgently in need of help

[Kinzy]

After 130 days my bank statements for last 5 years finally arrived this morning...Now need know what to claim for,i know i can claim for returned DD,s and late fees but i have on my statements a few things i,m just not sure about.....All help is greatly appreciated..

 

SC at Period to (every month i have this ranging from £1 to £26?)

Interest to (again every month ranging from £0.45 to £22.98 )

DD BGS Service(again every month ranging from £0.00 to £31.78)

 

I have all 3 of these with differ amounts each month just wondering if someone can explain what they are? and what ones i should add up to ask for back...ps...bank charges so far add up to £1340 without interest,will calculate this with the interest at 8 %? i take it...

 

Many thanks john

[moneyhelp]

Sorry don'y know what they mean - but remember you can only charge the 8% interest at court stage.

[Kinzy]

Hi

I thought you charged the 8% interest on all late fees on your initial LBA letter?

thanks john

[Kinzy]

on the interest one u have each month is this the overdraft interest i can claim back?

[Gig100]

Hi John,

SC is Service charge, you will get one of these every month and I expect it varies depending on things like how many direct debits, standing orders and cheques you used that month.

Interest to will again vary if you use an overdraft or were overdrawn, they will charge you interest, If you were in credit they should pay you interest.

DD is direct debits, not sure what BGS is.

I would imagine that all the above cannot be claimed for as they are legitimate charges

 

I hope someone else can make it a bit clearer but hope I have helped a bit.

 

Cherrs

 

Gig

[tangletamer]

I've included the service charges and the interest in my claim. I did this because if it wasn't for the accumulated penalty charges (e.g. returned cheque, cheque card misuse etc) I wouldn't have been in overdraft and so wouldn't have been hit with service charges and interest in the first place. I'm a complete novice at all this though so I've no idea whether this is valid or not - but here's hoping!

[Kinzy]

I was under the same impression as yourself and thought i could add service charge,i was told over the phone the service charge was for exceeding my overdraught limit, i have removed them for now to play safe but might go back with them depending on how my original claim goes as they dont exceed the small claims limit and would take my chances.

 

thanks john

[georgieboy]

I am in agreement with tanglemater and would include all the charges as I think you need to have the correct figure from the start - only making it a bit harder for yourself further down the line by not doing so. GOOD LUCK:)

[Kinzy]

thanks

service charges now being added>>>more to come later LBA being sent tomorrow,already had a no in prelim so all failing this one will take the FOS route as claiming over £2000 now..