Exactly which format have you used for the date: xx/yy/zz

You will need a cable router for NTL BB. From the feedback Iget NTl is a better option than BT.

The whole amount. It is up to the banks to justify their charges and in doing so they would reveal the true nature of their money-making [problem].

Just received another standard letter from NW telling me to **** ***; today is also the end of the 14 day LBA period. So, preparing N1 for action. When I finish I'll post the details as this might be useful as an exercise/example. Just a question before I start: in the Particulars of Claim library template: 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon; Is the interest actually entered here or just left on the spreadsheet schedule?

Hi all. Just to keep in touch. I am in the 14 day post LBA state. Today, I received a standard letter from NW..." I'm disappointed (yes, apparently NW are disappointed!) to learn we haven't been able to resolve your complaint to your satisfaction... refer your case to Member Service Department...who will provide a final response from NW..."...signed Sarah Watson. Has anyone else received this? Considering NW should be fully aware that I am issuing N1 Small Claims through the Courts next week, I cannot see any purpose of this response to my LBA; unless they intend to pay up quickly-and I hope they do not as I shall lose the interest. Who are these guys?

Help please. The schedule I sent with my prelim ran from 23/06/2000 to 30/06/2006. Due to extra charges the schedule I sent with my LBA ran from 23/08/2000 to 30/09/2006. Strictly this is 4 days beyond the six year time limit. Is this imortant? (If not is there any reason-I mean, for the six year time span?)

I have just obtained a Small Claims Pack from my local court. Would anyone know if there is copy of a completed claims form on the site. I have searched but failed to find one. (Previous post: I inluded a letter of insruction to my local branch plus a photocopy of NW's reply to the prelim=receipt received.)

Hi, all. I have come a long way since using this super-site; and I have spread the word to quite a few. I am just finallising my LBA-to be taken to my branch this afternoon. I think I should add into it the address and reference of the NW dept that replied to my Prelim, ie, Member Account Servicing REf: 602501. Should I add this in at the "their address" start of the LBA or inlude it as a seperate paragraph in the main body?

Thank you. If I add my most recent charges onto the schedule it states the last date of entry as 30/08/2006. Now, does this mean that my earliest date for reclaim becomes 30/08/2000, ie , 6 years? On my first schedule I took the 6 year start date as 23/08/2000-the date I submitted my SAR to the branch being 23/08/2006. Incredibly, if I change the schedule start date from 23/08/2000 to 30/08/2000, I shall have to omit charges of £110!

I have today received this month's NW statement. They have charged £60.00 for two unpaid DD's. This puts my account at -£59.26. What should I do regarding this and, more importantly, does it affect the LBA that I am preparing to present to my local branch next Monday?

So far, 08/08/2006 Subject Access Request and £10.00 cheque taken to local NW branch. Receipt requested and received. 10/08/2006 Confirmation of SAR received from NW Data Protection Team. 22/08/2006 Duplicate statements received. 01/09/2006 Preliminary letter and schedule of charges taken to local branch. Receipt requested.(Prelim taken from library template). 08/09/2006 Reply from NW Member Account Servicing. This is a standard letter stating NW are unable to refund any charges. I am now going to draft LBA, from library templates. I shall wait until 15/09/2006(14 days)before delivering LBA to my local branch. Am I correct in not inluding interest at this stage?

Yes dolly, I am afraid I have lost track. My apologies to all. I shall start a thread Gordon v NW and summarise if best. Please advise. Thanks.

Help. Some points in LBA, from library template: First sentence of template "...I am disappointed you have failed to respond...". Well they have responded with a standard letter but not with an offer of a refund. Is this an ambiguity or is it OK; in the LBA, I mean? Do I include the interest charges at this point in the schedule or do I wait until court procedure? My SAR and Prelim were deposited at my local branch, receipts requested. Is it OK to do this with LBA?

Thanks barracad. What I meant was I had not come across =datedif. I should have googled it first. It is an unusual function, see :DATEDIF Function

I would be grateful if anyone would explain the formula it the schedule template: days since offence.

Bank of Scotland/Halifax Easycash Account. They will open an account with no credit checks. It will take about 2 weeks.

Thanks again The Phoenix. OK it's down to business. I'll be in touch.

Help please and I do hope to get started after this. My bank statements consist of two types of listings: (1) a listing of charges-date and description of each charge (2) a listing of transactions on which the charges referred to in (1) are actually deducted from my account. Now, on my schedule do I enter the date of the charges from (1), or from (2). ie, from the date charges were incurred or from the date the charges were deducted?

Thank you The Phoenix. Yes. your comment makes perfect sense. Another silly question. but procederes can be a bit like this. On my bank staements a refund to charges has, on a few occasions, been made; but no reference to the particular charge is made. Am I correct in entering this as a negative in the spreadsheet and letting the sum adjust accordingly?

Hi all. I am in the process of completing my schedule. Since I have not had an overdraft facility the charges consist almost entirely of Unpaid DD charges. I am going to ignoret the bank's interest charges; is this reasonable? What is a CLEARED TRANSACTION on the schedule template?

Yes, I cannot remember the last time I was informed by letter, or otherwise, of charges being taken from my account. I just assumed that this had become standard practice but this must reflect badly on the practice and behaviour of the banks. In fact, to extract such exhorbitant charges without the common courtesy of the customer would seem to be an issue in itself and could be mentioned in the small claims court.

In the prelim template letter, reference is made to a schedule of charges. I would be grateful for details about this.

Hi all. Just a niggly question. I am about to sum my charges from NW from statements obtained via SAR. Assuming I am to submit this to NW, say tomorrow 24.08.06, do I start my sum from 24.08.2000: ie, exactly 6 years before the submission date of my claim.

Just had my satements back from NW, after just 15 days. Now comes the interestng bit of adding up the charges. If a mistake is made will it invalidate the claim or necessitate a restart of everything? The pack is headed by some 27 reasons why manual intervention may have been applied to my account but nothing specific. Should I do anything or just ignore this?

Hi all. DPA SAR letter and £10 cheque given in to reception at local branch 8 Aug 2006; receipt of details received. Acknowledgement letter received 10 Aug 2006 from Susan Taylor, Data Protection Administrator. Indicates that "the law allows 40 days for SAR to be completed from the time we are given sufficient information to carry out the request. I have today requested duplicate statements for the account you have requested and I will send these to you in due course". I hope this is an ackowledgement of "sufficient information to carry out the request" and not a delaying ambiguity. Oh, is the 40 days just that or 40 banking days?