Bank charges again - help needed

leon103

Hello ALl

Just starting procedings on behave of my girlfriend.

I have read and read until my head hurts on this subject but still got a couple of questions so I thought I would ask here.

She getting charged "Charges" and also charged "interest". She was also getting charged interest when she was in credit.

Can she claim back that interest or any of it?

Adding it all up the interest is a couple of hundred.

Just going to register with google spreadsheet so I can view that. Do you need to register for gmail first?

Also when I send the first letter do I included the 8% interest or not

achtunglady

No, you dont include the 8% interest in your first letter, its only added should you go to court.

leon103

achtunglady wrote:

No, you dont include the 8% interest in your first letter, its only added should you go to court.

Thanks.

But I still fill in that spreadsheet?

Also do I included the interest they have charged

achtunglady

Yes fill in the spreadsheet, I never bothered with the interest on top of the charges but if you feel you can work it out then go ahead, i had a headache from reading the posts so i just added up my charges and used that as a total.

leon103

achtunglady wrote:

Yes fill in the spreadsheet, I never bothered with the interest on top of the charges but if you feel you can work it out then go ahead, i had a headache from reading the posts so i just added up my charges and used that as a total.

I know what you mean about headache.

Just charges will do. I will make a start on the spreadsheet tonight.

I have clicked on the link but got to register with google first. Do you know if you need to register for gmail also?

leon103

Whats the difference between statutory and contractual interest?