hi i got the AQ along with the notes and another copy of the banks defence not sure why so now i have filled in and i am sending copies of what i have along with them.not sure about ur question abouit the date etc should imgine you will hear like i will but i have read in many posts that the banks pay up before going to court so then hopefully we dont have to go fingers crossed good luck abroadgirl

wow at last i gave up and went to martins page and done a speadsheet there and now i have a problem on my cacalations i got £6086 but now i have done the spread sheet and added it up on the auto on martins page it comes to £6924.80 so what do i do now and abbey has got the first figure on there defence so what should i do tyvm for all your help hugs abg

yes but im getting all confused with the intrests daily intrst etc yes i saved it i could go throu all that again not another day and half phew so i thought if i post it here iget help but it hasnt come out like it is on the thread ty hugs abg

hi bp, ive just seen the post where i posted the spreadsheet its diffrent to what it actually is the £1-10p is the dailiy int rate and the other is the 8% rate but i was getting all mixed up sorry for the confusement im causing you hugs abg

hi bp i went on the thread u gave me and i deleted the dollors etc and put my own in cor ive been at it now for a whole day n half think its the simple one laughs like me i guess hahahaha ty hugs abg

hi bp and all thanku sorry for getting mixed up yes i have a thread think its abbey o/d think u have been there already and my other one is airtours dirty accomadation thanku all hugs abg

thankyou i am lost really laughs this speadsheet is doin my head in hugs ab

oh my i have been at this all day yesterday till late last night and today it is really doing my head in please can i send it here for u or anyone to help me i have more to put in but i feel i have done it all wrong please can u help as it has to be back by the 7th tyvm please help thanku so much hugs abroadgirl i know its wrong Abbey National Plc SCHEDULE OF CLAIM FOR CHARGES PERIOD: [DATE FROM] TO [DATE TO] In Respect of: Date Incurred Days since offence Interest 8% APR Daily intrest interest charge £0.23p 2/11/2003 197 £24.625 £1.10p d/d unpaid charge £32.00 17/11/2003 182 £22.75 £1.10p overdrawn interest charge £0.16p 1/12/2003 179 £22.375 £1.10p overdrawn charge £15.00 3/12/2003 177 £22.125 £1.10p cheque charge £20.00 4/12/2003 176 £22.00 £1.10p d/d return charge £32.00 4/12/2003 176 £22.00 £1.10p interest charge overdrawn £0.98p 0405/2004 392 £49.00 £1.10p charge for clearing visa payment £20.00 2/8/2004 300 £37.5 £1.10p d/d clearing charge £20.00 2/8/2004 300 £37.5 £1.10p payment charge £20.00 31/01/2005 483 £60.375 £1.10p cheque charge £20.00 31/01/2005 483 £60.375 £1.10p payment charge £20.00 4/2/2005 452 £56.5 £1.10p cheque payment charge £20.00 7/2/2005 449 £56.125 £1.10p overdrawn interest charge £0.01p 1/7/2005 332 £41.5 £1.10p payment charge £30.00 15/06/2005 347 £43.375 £1.10p visa charges £30.00 20/06/2005 336 £42.00 £1.10p d/d charge even when money in bank £30.00 2/8/2005 300 £37.5 £1.10p charge visa payment £30.00 2/8/2005 300 £37.5 £1.10p charge when money in bank £30.00 2/11/2005 208 £26.00 £1.10p overdraft charge £20.00 2/2/2006 454 £56.75 £1.10p charge for clearing cheque 001292 £30.00 2/2/2006 454 £56.75 £1.10p charge for clearing d/d £30.00 2/2/2006 454 £56.75 £1.10p charge for clearing via payment £30.00 2/2/2006 454 £56.75 £1.10p charge for clearing visa payment £30.00 2/2/2006 454 £56.75 £1.10p charge overdrawn £20.00 5/3/2006 391 £48.875 £1.10p charge for visa debit card £30.00 5/3/2006 391 £48.875 £1.10p unpaid d/d no 19 £35.00 5/3/2006 391 £48.875 £1.10p charge overdrawn £20.00 3/4/2006 421 £52.625 £1.10p charge for clearing d/d no 19 £30.00 3/4/2006 421 £52.625 £1.10p d/d no 19 charge £35.00 30/01/2006 484 £60.5 £1.10p overdrawn charge £20.00 2/2/2006 454 £56.75 £1.10p visa payment charge £30.00 2/2/2006 454 £56.75 £1.10p cheque 001295 charge £30.00 6/2/2006 450 £56.25 £1.10p charge for overdraft £20.00 2/2/2006 454 £56.75 £1.10p cheque clearing charge 001292 £30.00 2/2/2006 454 £56.75 £1.10p d/d no 19 charge £30.00 2/2/2006 454 £56.75 £1.10p visa clearing charge £30.00 2/2/2006 454 £56.75 £1.10p charge for clearing visa payment £30.00 2/2/2006 454 £56.75 £1.10p interest while overdrawn £0.40p 1/3/2006 395 £49.375 £1.10p overdrawn charge £20.00 28/02/2006 455 £56.875 £1.10p d/d no 19 charge £30.00 28/02/2006 455 £56.875 £1.10p overdraft charge £20.00 5/3/2006 391 £48.875 £1.10p charge clearing payment £30.00 5/3/2006 391 £48.875 £1.10p charge clearing cheque no 001295 £30.00 5/3/2006 391 £48.875 £1.10p charge unpaid d/d no 19 £35.00 3/5/2006 391 £48.875 £1.10p overdrawn interest £0.17p 1/4/2006 423 £52.875 £1.10p overdrawn charge £20.00 17/03/2006 438 £54.75 £1.10p charges £30.00 17/03/2006 438 £54.75 £1.10p cheque 0012898 charge £30.00 27/03/2006 428 £54.75 £1.10p d/d no 19 charge £35.00 30/03/2006 425 £53.125 £1.10p overdraft charges £20.00 3/5/2006 391 £48.875 £1.10p charge clearing visa £30.00 3/5/2006 391 £48.875 £1.10p cheque 001298 charge £30.00 3/5/2006 391 £48.875 £1.10p interest while overdrawn £0.17 3/5/2006 391 £48.875 £1.10p unpaid d/d £35.00 3/5/2006 391 £48.875 £1.10p overdrawn charge £20.00 8/5/2006 385 £48.125 £1.10p cheque no 001299 charge £30.00 8/5/2006 385 £48.125 £1.10p unpaid d/d no 18 charge £30.00 10/5/2006 382 £47.75 £1.10p overdraft charge £20.00 3/5/2006 391 £48.875 £1.10p visa payment charge £30.00 3/5/2006 391 £48.875 £1.10p overdraft charge £20.00 3/4/2006 421 £52.625 £1.10p d/d clearing charge £30.00 3/4/2006 421 £52.625 £1.10p interest while overdrawn £0.45p 3/4/2006 421 £52.625 £1.10p overdraft charge £20.00 2/6/2006 360 £45.00 £1.10p cheque charge £30.00 2/6/2006 360 £45.00 £1.10p charge for clearing d/d £30.00 2/6/2006 360 £45.00 £1.10p charge intrest £0.04p 2/6/2006 360 £45.00 £1.10p d/d charge £35.00 15/05/2006 387 £48.375 £1.10p overdrawn charge £20.00 11/5/2006 383 £47.875 £1.10p d/d charges £35.00 24/05/2006 369 £46.125 £1.10p overdraft charges £20.00 2/6/2006 360 £45.00 £1.10p d/d charges £30.00 2/6/2006 360 £45.00 £1.10p cheque clearing 001299 £30.00 2/6/2006 360 £45.00 £1.10p interest charge £0.04 2/6/2006 360 £45.00 £1.10p overdraft charge £20.00 2/8/2006 300 £45.00 £1.10p d/d clearing charge £30.00 2/8/2006 300 £45.00 £1.10p visa clearing charge £30.00 2/8/2006 300 £45.00 £1.10p charge for clearing cheque no 001306 £20.00 2/8/2006 300 £45.00 £1.10p overdraft charge £20.00 2/9/2006 518 £64.75 £1.10p charge for clearing cheque no 001311 £30.00 2/9/2006 518 £64.75 £1.10p overdraft charge £20.00 3/7/2006 330 £41.25 £1.10p unpaid d/d £35.00 3/7/2006 330 £41.25 £1.10p charges £20.00 22/06/2006 338 £42.25 £1.10p mandate no 18 £30.00 22/06/2006 338 £42.25 £1.10p charge visa payment £30.00 23/06/2006 339 £42.375 £1.10p cheque charge £30.00 26/06/2006 342 £42.75 £1.10p overdraft charge £20.00 3/7/2006 330 £41.25 £1.10p d/d charge £35.00 3/7/2006 330 £41.25 £1.10p overdrawn charges £20.00 7/8/2006 305 £38.125 £1.10p cheque charges001311 £30.00 7/8/2006 305 £38.125 £1.10p overdraft charges £20.00 2/8/2006 300 £45.00 £1.10p d/d charge for clearing £30.00 2/8/2006 300 £45.00 £1.10p visa payment charge £30.00 2/8/2006 300 £45.00 £1.10p clearing cheque £30.00 2/8/2006 300 £45.00 £1.10p overdrawn charges £20.00 4/9/2006 520 £65.00 £1.10p charges £30.00 4/9/2006 520 £65.00 £1.10p overdrawn charge £20.00 15/09/2006 287 £35.875 £1.10p instruction 14 charge £30.00 15/09/2006 287 £35.875 £1.10p overdrawn charges £20.00 3/10/2006 228 £28.5 £1.10p d/d charge £30.00 3/10/2006 228 £28.5 £1.10p overdraft charges £20.00 2/11/2006 208 £28.5 £1.10p d/d charge £30.00 2/11/2006 208 £28.5 £1.10p charges £20.00 3/12/2006 177 £22.125 £1.10p cheque clearing fee £30.00 3/12/2006 177 £22.125 £1.10p overdrawn charges £20.00 11/11/2006 188 £23.5 £1.10p charges, fees up to £316.92 16/05/2007 128 £16.00 £1.10o

hi i have got it now but what do i click on i have clicked on tools, easy cal then other but i dont know what to click on next there is alot in the menu or so i just delete whats on the page and put my details in there ty for all your help abroadgirl

hi tyvm for your message yes ive been on that link quite afew times but it says open save then it comes up that i carnt open it it may be read only? but i keep trying thanku so much hugs abroadgirl

i meant not got spreadsheet

hi tyvm for your replies i guess i do dtress a bit sorry. no you didnt rant i enjoyed reading your post ty the form AQ i have managed by going through the boards and printing out what has to be attaqched. the only thing i have got and done is a spreadsheet? i have clicked on the link and it is all diffrent small boxes? ty for all your help hugs abroadgirl

hi just been reading throu the boards i have clicked on the links and dont understand i havent done a spreadsheet done and got everything else, but i dont understand all the little boxes can anyone help please about these spreadsheets thvm abroadgirl

thankyou for your help i am still abit stuck with this AQ form but i am still reading throu the threads tyvm abroadgirl

hello, my name is abroadgirl. i have joined as i been reading alot of your posts. I like many am claiming bank charges which i have now recieved AQ. i hope to be an active member here in your forums also i would like to thankyou all for all your help and many thanks to martin thankyou hugs abroadgirl.

my husband booked a holiday for us at christmas this year, he took me too austria, lovely place but upon arrival at the airport we met the rep, he told us what bus to get and where like they do we went to the bus and the driver didnt have anything down for us and another couple we stood there feeling somewhat embarassed as everyone was boarding and were still stood there so the driver went to the rep and he came back and said get on so we gave him our suitcases and we got on the bus along with the other couple, we got to the town to be told there was a taxi waiting for us to take us to our accomadation, well we thought we had to pay for it no we didnt, so the other couple was complaining as well we all thought we were in the town off we went we thought we were never getting there, oh my when we seen it over 3k aways it looked like a shack, the rep a lady now she took us to the front door and knocked and a dirty scruffy woman opened the door the rep spoke to her and said your expecting 2 couples arnt you she looked amazed, so we went in omg there wsere empy bottles all over padded ****s on the floor dirt etc so off we went to our room we paid for private facilities bathrom/shower etc well we was taken to an attick type room where the damp and wet wall took photos sink in our room was rusty colour black rust photos taken, toilet shower outside our room, cut along story short we took photos of all the cobwebs dirt mauldy wals the lot, we complained to reps and we said we just wanted to go home he said he could move us bit it would cost 500 euros, it appeared to us all that were we were book ed into had over booked and this to us seem like a favour, as the lady worked at the skiing office along with the head rep, we walked into soll town everyday, and back we didnt expect to pay for taxis which we did there was no shops restrunts cafes etc where we were just feilds. so we went through the procedure got reports and sent everything off after the long process they offered us £82 ponds off our next holiday so now my husband has filed a small claims they have untill 30th may will keep u updated thankyou abroadgirl

mini staement and wow i have charges £295.73p so i told her i am not happy and that i am taking it to court and she said i dont blame you i wouldnt be happy either good luck that is what she said to me

hello thankyou so much for all your help, i am new to this so please bear with me i ahall tell you everything i have done it will help you all to understand me a lil ty i used the template letters from martin i sent all thress of them, they offered me as a guesture of good will £910 so i accepted then they put in £703 in my account i wrote faxed phoned emailed then asking why and what was there reason eventully they replied saying that it was an error and they hope i accept there apolagyies, i replied and said no i dont accept there apolygy and that i want an a explanation as to why im still waiting so i wrote to them and said i am not happy and i am taking it futher, i called into my local branch after getting a mini staement and wow i have charges £295.73p i went to the counter and asked what these were for they have been chargeing me over and over for the same from 9th january i got a letter now saying that it is £312.92p (sorry i put july instead of january)and they want this repaying with intrest i replied saying i am not paying it and i am reclaiming them so i sent the first letter and i also stated that if they dont refund me this charge i shall be adding onto the small claims i do have statements and i have cpoies of everything from them to me i have also copied the letter where they are apolgising and says it was error on there part, so i have done everything martin has told us to i now have the allocation questioaire, to fill in, i have stopped my dissabilty/mobiliy and now goes into the po account but yes they took it out of this. thanku for listning and all your help i will go on that link now i will check back here ty hugs abroadgirl.

abbey £6086 this is what i am claming plus int they paid me £703 but there offer was £910 when i asked them why was the downfall they said for me to accept there apolygy as it was an error on there part i replyied no i dont accept there apolgy and if they dont give me the diffrence of there g o gw i will take it futher this is what im doing i now have the AQ but gosh ive read for 2 days and im so confused, they are denying it all even thou i have the letter etc, now i am facing more charges £312-92p from 9th july the same reapeatedly over n over i have wrote and told them i have no intensions of paying them and that i am reclaiming these if they dont it shall be added onto the cost for the courts any help please they were taking the charges out of my dissability i tried for overdraft but they kept refusing me but it didnt stop them taking these charges out of my dissablity/mobility thanku for your help abroadgirl

sorry i meant i dont accept there apolgy sorry abroadgirl

abbey £6086 this is what i am claming plus int they paid me £703 but there offer was £910 when i asked them why was the downfall they said for me to accept there apolygy as it was an error on there part i replyied no i dont accept there offer and if they dont give me the diffrence of there g o gw i will take it futher this is what im doing i now have the AQ but gosh ive read for 2 days and im so confused, they are denying it all even thou i have the letter etc, now i am facing more charges £312-92p from 9th july the same reapeatedly over n over i have wrote and told them i have no intensions of paying them and that i am reclaiming these if they dont it shall be added onto the cost for the courts any help please they were taking the charges out of my dissability i tried for overdraft but they kept refusing me but it didnt stop them taking these charges out of my dissablity/mobility thanku for your help abroadgirl

can anyone help me how to word this as you have said in your posts to try and alter a bit i was always refused an overdraft yet my dissability went in everymonth and yes they took there charges out of this even as much as £115 etc so even thou i went o/d i was still charged as we are so how do i word this for my AQ abbey are denying everything i have copies of them saying it was an error etc as said in my previous post thankyou for any help abroadgirl:???:

hi im new and i have been reading everything infact to the point im so mixed up and confused, i have printed everything out for my AQ but im feeling so mixed up, with it all i am with abbey and claiming over 6 thousand but i did accept there offer of £910, but they only paid £703 i wrote and asked why, no answer i phoned faxed emailed eventully i got a lettter saying they are sorry the normal and that it was made in a error and to acept there apolygies i replied that i do not accept there apolgy and i want an explanation why after a few months they said it waqs an error so i said i m not happy and taking it futher so here i am now and just got the AQ thankyou for listning abroadgirl