ampersand v A&L. LETTER BEFORE ACTION

[ampersand]

I was away during the 14 days allowed for response to Request for Repayment LBA.

Two letters awaited me. One was acknowledgment and an affecting expression of A&L 'concern'; the 2nd offers me £75 and reassurance that no default was recorded and no adverse information registered against my Credit File.

I have until 22 Dec. to accept this magnificent offer.

I could not send the Court Action follow-up until now.

The change in the site since I went away means the Bank Charges Schedule now made available by Martin gives a different(lower figure), by about £300, because I am claiming compounded contractual interest, with thanks to Battleaxe.

Martin's schedule does not provide a space to describe each charge. Perhaps unnecessary, but helpful, if a refund shortfall on a particular charge is being claimed. I know A&L have the info., but Vampiress's Google sheets had space for this, so have stuck with these.

My Internet Banking is restored, new card and chequebook have been issued. I prefer to keep a moral ascendancy in staying with A&L, provided they don't revoke their decision to keep my account open.

My question:

I have looked through other posts and FAQ's but cannot find a pointer to this. Do I update the Schedule of Charges which I am resending? Or shall I just apply Battleaxe's daily rate of 0.21% interest at the Court stage?

Should I add a sentence to this effect?

Thankyou in advance.

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Prelims:2 Sept-27 October, 2006

10 Nov 06, Request for repayment of £2187.19.

9 Dec 06, LBA.

[ampersand]

Which Court, please? Do I choose?

I am between Newmarket and Cambridge, with a Cambridgeshire postcode. May I choose to lodge my Court Action with Newmarket instead?

[caro]

I don't think it matters which court you go to, but it may be worth a phone call first to check with your preferred one.

 

I am not convinced that the daily interest rate charge you are claiming is correct though. If you were claiming the statutory 8% you would use a figure of 0.022% a day, but as you are claiming compound contractual interest it obviously won't be the same. I assume that you have included the interest from the start of your claim. You'll have to excuse me on this one, I'm not terribly au fait on these claims yet but I'm sure Vamp and Battleaxe will have helped you sort it. I guess I'm saying just check your figures are right.

[ampersand]

Many thanks Caro,

I have not attached daily interest at this stage, just added the phrase, 'adjustment pending' after restating the amount claimed at 10 November. LBA sent RD yesterday, to both Ian Wade and Angela Deakin, whose replies I received.

Had no reply from Vamp when I asked permission to send my figures for checking, so went ahead after quadruple-checking figures done with Battleaxe. Did own £calcs for a couple which came up as '31 Dec 1899' no matter what I tried.

Thankyou for your help - shall phone Nmkt Court now.

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10 P.M. TONIGHT - EVERYBODY - DON'T FORGET TO WATCH 'BANK ROBBERY' -'A tremendous Money Programme' says The Times.

[ampersand]

No County Court at Newmarket any more-

 

There IS no longer a County Court @ Newmarket, in case this is relevant for others. Papers will go in Friday, which(Court lady assures me)counts as filed on either Sat 23/12 or 24/12 additionally, either of which suits my 14-day LBA expiry. Bury St Edmunds, Huntingdon or Cambridge are the nearest options.