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Help, need info re Interest Charges


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Hi, I have just put together my schedule of charges but have a question about the interest. My statements show that my account has been debited interest on a monthly basis. Some of the interest is taken on the same day as a charge and is listed as Interest Due and is usually only a pound or so but in some cases the interest is much higher - ranging from £5 to £29.01! Should I be including this interest in my schedule and claiming it back? I am about to send the schedule in which amounts to £4,095 so dont want to risk doing anything wrong. Also, I have two accounts, is it ok to send one letter and two schedules? One last question, do I need to send copies of the bank statements? I was told that it is best to as it saves the bank having to get them? If so, do I include all statements between dates of claim or just those that include charges? Sorry for all the questions but just want to make sure I get it right! Many thanks

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you cannot directly claim back anything that is listed as interest.

however, you can claim back a portion of that interest that you can prove HAS been caused by charges/fees.


the other thing you can look at is contractural interest.

as you figure is quite large this might be the one.


have a look arond [use the search above] and find a thread called 'why is no-one claiming contractural interest' or something like that.

makes interesting reading.


and you do not need at this stage to send copies of statements, just your spreadsheet.


good luck


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Please read this thread for further info on why contractual interest should not be pursued on bank accounts Contractual Interest - Precedent -LOST


Statements should never be sent to nat west - you may need these later on in your claim if you file at court. As dx100uk pointed out - you send the schedule of charges (spreadsheet) only to nat west.

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