Please help im nervous

bluelewis

I have recieved a list of all charges going back to 2001
I have 2 accounts which i am claiming for in 1
on the list of charges it has detailed as follows:
eg. 10/09/2001 CHG o/draft interest 0.46
10/09/2001 fee account charge 8.00
i have pages and pages of these when i sent tjhe 2nd letter with a total sum of monies i was requesting i totalled all charges at £5476.85 plus £974.34 overdraft interest.
have i done this correct or is the interest supposed to have been from date of charge to present.
they have had there 14 day and a few more and no contact whatsoever im about to send the next letter giving them 7 days until court action.
someone please help am i doing this correctly

princesskez26

bluelewis wrote: »

I have recieved a list of all charges going back to 2001
I have 2 accounts which i am claiming for in 1
on the list of charges it has detailed as follows:
eg. 10/09/2001 CHG o/draft interest 0.46
10/09/2001 fee account charge 8.00
i have pages and pages of these when i sent tjhe 2nd letter with a total sum of monies i was requesting i totalled all charges at £5476.85 plus £974.34 overdraft interest.
have i done this correct or is the interest supposed to have been from date of charge to present.
they have had there 14 day and a few more and no contact whatsoever im about to send the next letter giving them 7 days until court action.
someone please help am i doing this correctly

You are doing the letters correctly yes, you've rather confused me on what you're claiming You cannot claim any o/d interest or account fee charges,

As for the interest Martins Calculator as below is a great help in calculating this for you;

http://www.moneysavingexpert.com/reclaim/bank-charges#interest

Kez

bluelewis

princesskez26 wrote: »

You are doing the letters correctly yes, you've rather confused me on what you're claiming You cannot claim any o/d interest or account fee charges,

As for the interest Martins Calculator as below is a great help in calculating this for you;

http://www.moneysavingexpert.com/reclaim/bank-charges#interest

Kez

i think ive cocked it up then as this is what ive sent as ive added all these up and just sent it off what should i do now is it too late

princesskez26

bluelewis wrote: »

i think ive cocked it up then as this is what ive sent as ive added all these up and just sent it off what should i do now is it too late

No, just start the process again from scratch, here's a list of charges you can claim;

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

Then use this calculator to calculate your interest;

http://www.moneysavingexpert.com/reclaim/bank-charges#interest

Once you've recalculated your charges and done your interest just start with the first letter again giving them 14 days,

The reclaim bank charges help thread is very helpful for the whole process;

http://forums.moneysavingexpert.com/showthread.html?t=400981


Kez

LozBingley

bluelewis wrote: »

I have recieved a list of all charges going back to 2001
I have 2 accounts which i am claiming for in 1
on the list of charges it has detailed as follows:
eg. 10/09/2001 CHG o/draft interest 0.46
10/09/2001 fee account charge 8.00
i have pages and pages of these when i sent tjhe 2nd letter with a total sum of monies i was requesting i totalled all charges at £5476.85 plus £974.34 overdraft interest.
have i done this correct or is the interest supposed to have been from date of charge to present.
they have had there 14 day and a few more and no contact whatsoever im about to send the next letter giving them 7 days until court action.
someone please help am i doing this correctly

You can only claim interest directly attributable to the charges. You may be as well to drop the interest off that appears on your statements (as some of this will be against your own spending that took you overdrawn) and just add on Statutory interest @ 8% (as seen on Martin's calculator) when you enter your court claim. Don't worry about your letter, as the bank is unlikely to offer you the full amount anyway.

Also it might be worth splitting your claim into 2 periods (ie 2001-2003 & 2004-2007) so that you have 2 claims for under £5,000. This may incur a little more expense when you take it to court but it protects you under the Small Claims Rules.

bluelewis

have just gone through my charges all over again
will now re send my 14 day letter
i hope they dont ignore this now

princesskez26

bluelewis wrote: »

have just gone through my charges all over again
will now re send my 14 day letter
i hope they dont ignore this now

Good luck with your claim, feel free to ask any questions if you need any help

Kez

bluelewis

can someone tell me which address to send my letters to

Edinburghlass_2

Please read the Reclaim Help Thread which is linked in my signature for addresses and information. You'll find links there to the main banks threads where you can read of other user's experiences with your bank.