The letter you got is standard i got one exactly the same. And yes you now need to start the court process, The N1 is a good place to start with that http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Well yes technically it is invaild At work our collections team will oftern suggest canceling the insurance to bring to account back up to date , But is not a full rebate . Its just what the rebate would be if the loan were to be settled early. so what the PPI would be on the rest of the loan .

Yes you have the right to claim. The charges are a unlawful penalty so it doesnt matter if it was your fault or not.

morning And you dont need to wait just go with the oringal deadline. and goodluck

You will soon get the hang of it , have a read of these http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ and then have a read of the fourm for which bank you be claiming from

ok well i get 8.76 on google and 9.68 on simple spreadsheet how odd. sorry i havent a clue. but it wants looking in to

ok so you mean 68p per charge

I wouldent worry over 68p aslong as the court know you have made a decent attempt to caluclate it. there not going to throw it out over 68p but to be on the safe side i would use the 68p less figure

which spreadsheet of vampiress are you using?

for the value you bit it looks somthing like this claim 2494.24 (which is charges plus intrest) intrest pursuant to section 69 county courts act 434.24 (which total intrest) or at such a rate and for such periods as the court deems just and also intesr at the same rate up to the date of judgement or earlier payment at a daily rate of 55p (in my case i cart remember how you work it out tho sorry) also what have you put in the brief details of claim box.

I dont know what wrong with them but you could always use this instead http://www.consumeractiongroup.co.uk/chargeinterest.php

what are you trying to put in it , It should be plenty big enough

yes id go with the N1 you can find your local county court here http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

yes you definity can . and i would recommend a good read of the FAQS before starting off. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

I would advice using a N1 form you need to take it to the court yourself see the link below for the form and advice on how to fill it out. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Ok there are two types of intrest there is intrest that the bank has changed you as a result of the charges . However this is very differcult to calculate proberly not claiming . You can also claim 8% intrest on the total amount they owe you. However as this is awarded by the courts , you can not include it untill you file a claim. Hope that makes it clearer

yes its normal for them to refere you to the Ombudsman However you dont need to do this as it is a case of civil law. So you are free to file a court claim 14days after you send the LBA assuming you dont get a offer of full settlement that is

have a look at the woolwich forum on the link below http://www.consumeractiongroup.co.uk/forum/woolwich/ its also a good idea to read the FAQs before getting started

Im sure its fine as it is. but all you really need to put in brief details of claim is "Money claim as outlined in the particulars of claim"

I think he is just talking about lists of useful information, sorry just realised he is talking about the new shiny little green button at the bottom of our posts these would appear to link the threads to a "social bookmarK"

About time to. ive always had a promblem with the massive amount of space taken up on the forum by signatures

The 1.83% above will be a monthly apr. for a true apr you need to times it by 12 so 21.9 and thats the rate you would use for contratual intrest. the 3% fee is a fee for being able to with draw cash from a ATM i am not sure if this is reclaimable. As as far as i was aware only the intrest charged as a direct result of the penatly fee was reclaimable

This is the slightly modified letter i sent after a simerlar responce Further to your correspondence dated 23 august 2006 in which you advised me that you may take up to 18 September 2006 to answer my request for a refund of charges, I am now writing to inform you of my intent to pursue action against Barclays Bank PLC in the Small Claims Court commencing 14 days from the date of this letter. May I draw your attention to the fact that I stated in my correspondence to you dated 17 august 2006 that I expected Barclays to enter into a sincere dialogue with me regarding this matter, rather than to simply respond by way of generic letters and leaflets. Clearly you have either failed to understand my previous correspondence or else have chosen to ignore its content. I can only assume therefore that Barclays do not intend to respond positively to my request within the time-frame or manner that I outlined in my earlier communication. I maintain that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £2080. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 17 august 2006 I Require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

just one point the debt would never of been transferred to bos . Sainburys bank is bank of scotland , and always has been.

Wonerful. You are going to stcik around and hold our hands when were at this stage arnt you nightstar