Could someone tell me how to change my login because I want to ask a question without them knowing and they will be able to tell who it is if I ask it using my normal login. Thanks Bob:cool:

It should be forwarded on to the right department. If necessary I would chase it up, but I wouldn't pay £10 again. For the future have a look at this...http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Kaytutt, I am with you 100%. Bus drivers should recieve a lot more support from the people they are caring for when they drive. unfortunately it seems that passengers use a bus driver as a whipping boy, and take their frustrations out on them. "Sacked from your job?.."Argument with your girlfriend?"..never mind....have a go at the bus driver.

In defence of bus drivers, I drove buses in Peterborough for a year. I left because of the abuse suffered from passengers. Physical and verbal, bus drivers are not saints but belive me we take a lot more [EDIT] than we ever give back. Passengers tend to get the bus drivers they deserve, and the way drivers are treated means they can sometimes seem surly and unhelpful. How would you feel if you give someone a cheery "Good Morning" and the reply is "Where the [EDIT]have you been you [EDIT]?". Obviously the passenger thinks you got held up in rush hour traffic in order to spite them personally!!. The fact that you like Genesis does not alter the fact that you assaulted another person.

Thank you JonCris, But how about the "IF ANY" in the sect 77 when it taks about providing a signed copy of an agreement? Surely if there Has to be an agreement they wouldn't have put in that get out clause. Bob

Hi, with refernce to the CCA agreement I am helping my daughter sort some problems but we have become bogged down and could do with some guidance. Her account is with Droyds and in response to our letter they sent a photocopy of an unsigned credit agreement. They have argued that under Regulation 3 - Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI No 1557 That they do not need to provide a signed copy of anything. I have spent ages trying to find the relevant Statutory Instrument without success. I have also studied the CCA itself and am worried by the wording, it says in section 77 .....shall give the debter a copy of the excecuted agreement (if any) and any other document referred to in it.... What worries me is the IF ANY in brackets. Does this mean that there may be situations where an excecuted agreement may not exist but a debt still be legally enforceable??????? Bob and Aleesha

Hi Brok. This might help.. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Thank you for the information Ladybird. It is very useful. I have spent weeks reading this site and had not come across the tutorials before, it is after all a very large site. So yes I'm afraid you do sound patronising.

Hi. You have a couple of options, the first is simplest, just put a cheque in with the letter and post it to your branch. Make sure you get a proof of posting for every letter you send. The other option would be to bypass your local branch and send direct to: Customer service Recovery Centre - Andover Lloyds TSB Charlton Place Andover SP10 1RE. Still get proof of posting though. i think for your first letter I would deal with your branch initially. Hope this helps a bit. btw start a file for your correspondence otherwise it can get very confusing very quickly. Bob

Burt. i have just put one of your charges into the google spreadsheet 31st May 2001 charge £14.00 with an interest rate of 16.9% and the interst owed is £22.91. What interest rate are you using?

Good. It soon adds up doesn't it? I have just taken a claim agains Nationwide to Court for my son and his charges were £1664.50 and the Interest I added came to £715.70. Luvvly Jubbly

Yes!!!!! Now I can do links.... That link get you onto a thread dealing with the contractual interest and Vampiress is very helpful if you get stuck

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html I think that will work.

Burt, I suggest that you read the faq. the 8% should only be added AFTER you raise a claim in court. What you could/should do is work out the statutary interest and add that to your request for payment. I'll see if I can get a link for you. brb

This is part of my repy to Barclays Bank: .... You raised several pionts in your letter which need to be addressed. You claim that your charges are fair and transparent. I claim that they are excessive and unlawful, and as you have not provided me with any justification, or breakdown of costs, I find no reason to believe your claim that they are fair. You inform me that you disagree with my legal analysis of case law which I have outlined in previous correspondence. that is your right, and only a Judge can decide which of us is correct. You state that the OFT recommended a fee of £12.00. This is incorrect, I suggest that you study the report in more detail. You state that I may ultimatly become eligable to refer to the Financial Ombudsman service. Thank you very much, but this is completely irrelevant. As I have mentioned before this is a legal matter which I believe will be heard in the County court.

Hi Burt, Claiming interest is GOOOOOD!! But what interest rate have you asked for?

Hello LFC, I have just completed a claim with Lloyds and for my first letter (SAR) I contacted the manager at my local branch. I suggest that you take it in personally and obtain a receipt for the £10.00 payment. You will eventually receive a letter from *Customer Service Recovery Centre, Andover. Then you should direct all further correspondence to them. Hope this helps. Bob.

You WILL win..... but make sure you read as many threads as you can, and check out the faq. the more you know, the more fun it is. It will probably become your new hobby. Bob

Thanks Vampiress your spreadsheets are brilliant. Just incase anyone is interested I worked out my son's claim for both types of interest. Figures are as follows: Amount claimed - £1664.50 Contractual Int - £654.82 Statutary Int - £182.52 that is a big difference and I believe it is worth going for, as that is the rate they have charged my son. Bob

Cheers Chezt, and thatsh not eashy to shay after a few drinks. I know I will only get one OR the other, but if you want to go after contractual then you need to ask for at the start. I'm habing trouble concentrating now so i think ill go to bed. night night hic!

Bill, £22.84 Sorted!!!!! As you suspected, someone had entered the date in wrongly. I will conduct a full investigation and the culprit (if I find them) will be punished.

Well If I'm doing this right my son can take me down the pub for a few beers. I just entered the first charge. It was for £28.50 debited on 1 Sep 2004 and in the interest rate box I have entered 24.9% which is his banks unauthorised rate. But the interest it gives me is £35.49. Is it really supposed to be that high???? If it is then YIPPEEEEEEEEEEEEEEEEEEEE He has loads of charges so I will wait for some confirmation before I sit typing the wrong stuff in. Bob

Thanks for that Bill, I'm off to see the Spread Sheet. Bob

I hope someone can help!. I am reclaiming charges for my son and his account does not have an overdraft. He has paid lots in unpaid direct debits and unauthorised overdraft fees, £1428.30 to be exact. I will claim statutary interest when we raise a claim in court, but in my preliminary letters I wish to claim contractual interest. I have copied and used Vampiress' google spreadsheet, but I am not convinced that it is what we need. He has only been charged a few pence each month in interest so I am not bothering to reclaim that. It only works out at about £10.00 for the whole period. What i would like to do is add interest to the charges at the bank contractual rate. First can I do this? and second how do I actually work out the interest. The figures are: Dec 2000 to Dec 2003 Monthly Rate 1.52% EAR 19.9% Dec 2003 to May 2005 Monthly Rate 1.80% EAR 23.9% May 2005 to Present Monthly rate 1.87% EAR 24.9% I don't mind a bit of work, but I need some help with the formula in excel. here's hoping.

Hi Maxine and Stansfield Merry Christmas, I think you should settle down for the long haul. I sent all the letters inc LBA. Then made a claim, which Barclays (Barclaycard) defended. Then we both filled in and returned Allocation Questionaires. Then we had a court date set (17 Jan) and an instruction to send court bundle and skeleton argument into court and other side by 20 Dec. I telephoned Barclays customer services and after a bit of to-ing and fro-ing they agreed to settle in full. I don't think there is a hope in hell of a settlement with Barclays until quite late on in the proceedings. They are playing a numbers game, so stick at it and you WILL win. There are lots of sample letters on the site for you to use. When they made their first offer in response to the LBA it found out from the statements that they had already credited the money into my Barclaycard account, so I just took that amount off of the subsequent claim.