A basic starting guide

Kurt_Hamster

Until you have made a court claim you aren't entitled to statutory interest.

At this stage you just use the interest as leverage. Just refer to it as statutory interest. Don't give a total at this stage (or even in your LBA) as you don't know what it is yet.

The 8% is worked out on the date range of the date the charge was made running through to the day you issue a claim at court.

pnewman

Whats LDA?

So just send the second letter requesting the amount owed without interest and see what happens?

Thanks again

Kurt_Hamster

LBA = Letter Before Action

Basically you tell them that you are claiming such and such and they would be better paying it now, otherwise you will take them to court and they will end up paying an additional 8% in statutory interest as well as the court costs. They will of course ignore you!

But why reinvent the wheel? There are templates on the site that are already written for you.

chris101_2

can anyone help?

i sent 1st letter asking for a list of bank charges, two days ago i recieved two envelopes each containg 6 years of statements
Do i have to go through the statements myself to find the charges or do i ask for a list of charges only
thanks

Kurt_Hamster

You are jesting aren't you?

Edinburghlass_2

Edinburghlass wrote: »

You need to read Martin's article, the previous posts in this thread and you'll find what you can and can't claim in the Reclaim Help Thread which is linked in my signature.

as above....

smellyfeet

I would like to claim my bank charges but I do not have x5 years worth of bank statements, can you please help; how do i get these, do i just phone the bank?

Eattherich

Can anyone help, sent my first letter off with £10 yesterday. When my statements come back do I literally type out each charge with date amount etc that I want to claim back and total it (Im not claiming interest). Also in anyones experience are Barclays hard work ie stubborn do they go the distance, court.

Edinburghlass_2

Read Martin's article and read the Reclaim Help Thread which is linked in my signature along with post 8 in this thread.

You'll find a link to the Barclays Bank thread there as well.

Ralfy_2

Hi, I've been following the guide on the website, and have downloaded the template, but would like to know how I go about...

Please find a full schedule of the charges with this document. [INCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF]

Do I just photocopy one of my statments or is it ok just to type out all the charges?

Thanks

Ralf