What a mess

[SBKnight]

I've made a mistake. Sent my LBA with the schedule of charges and forgot to remove the 8% column. Is all now lost?

[dingwalldemon]

No, think you'll be fine. All your really doing is outlining what it will cost them if they went to court, at least that would be my interpritation. You could also re-submit an amended one if you wanted. I've read posts where people have done the same as you to no ill effect.

Good luck.

[SBKnight]

Shall I resubmit the whole lot - LBA and a new schedule? What do I say in the letter? I made a mistake in the first one?

[dingwalldemon]

Does the amount your asking for in the L.B.A include the 8% or is it just the spreadsheet that has the 8% included on it. If it's the latter i wouldn't bother amending anything. If the total on the L.B.A has it included resubmit both.

[SBKnight]

it was on the letter and in the schdule. I KNOW it was v stupid and i'm really X with myself. Didnt sleep last night cos of it. I shall reprint both tonight without the 8%. Do I just send without mentioning the incorrect ones send on 25th July?

[dingwalldemon]

Dont get stressed about things! you'll get your money in the end!

Just send it as an amended letter before action with an amended spread sheet. Out of inerest are you planning court or financial ombudsman route?

[sue1970]

As above it is really nothing to worry about, I forgot to delete the 8% column too and everything seems to have gone ok, Just waiting for them to actually credit my money back to my account.

[SBKnight]

thank you very much for your kind words of encouragement sue1970 and dingwalldemon. I've resubmitted my LBA and scedule of charges, without the 8%. In reply to your question dingwalldemon, I think the financial ombudsman will be my choice. The claim will be for £4750, inc the 8%. Unless anyone can advise court rather than the ombudsman?

[dingwalldemon]

The bad news is, at the moment the Ombudsman is not taking on any complaints about bank charges due to the ongoing OFT v The Banks high court case. I think you can still go down the N1 route taking them to court although im not 100% sure, i'm sure someone else will jump in here and give you further advice. Don't be put off trying to reclaim the charges you'll find loads of help on this forum.

[trickyt]

I went the FOS way and received an offer of all charges + interest. I received this offer just before the test case was announced and have accepted. I still wait to see whether I actually receive the cash. Looking through the site I have come across posts saying that you should carry on any action through the small claims route but any cases are likely to have a stay placed on them until the test case result which will probably take until next year. Look at the threads you will see when you first sign onto the forum for further info and carry on as before but be prepared to be patient. Good Luck.

Trickyt:rolleyes:

[indebtstudent]

True the FOs have said they won't look at complaints, I'm going to chuck in a complaint to them (I've already been fobbed off by the FSA). I'm also going to see my MP after my bro's court case, this whole issues is a scandel in my opinion!!!