A Couple Of Queries ***WON!!!!!!***

[Michael Browne]

GuidoT got your email but nothing else?

 

Just a thought and forgive me if this is stating the b*****ing obvious.

When you look at Guido's email, is there a 'paper clip' at the top right hand end of the title bar? If so, click on this to open the attachments.

[Laura Cooke]

Michael

 

No paper clip looked you all must be fed up with me I`m becoming a real pain but I seem to persist in hope someone will help me a fantastic lady on here Anita as helped me considerably but she as family illness at moment

[Michael Browne]

Try this link for guide to filling in N1:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

[Laura Cooke]

Michael

 

I received the link other day off you I have copied the N1 information out onto my claim word for word but have no idea as I have outlined somewhere above what amounts of interest to put in the gaps. I have it ready to go off but if i have no idea how much interest to claim then I cannot go any further, to be able to fill in this spreadsheet which I understand you have to do first you have to know what to put on it and how much of whch is my problem I haven`t the faintest what to put in these columns and can`t make out what or how the daily rate is reached at I have been told the daily rate is 12p? then again i have seen it 26p etc thats why i am saying unless you have the expertise to fill in these court things you can`t do it on your own

 

under value I have

 

Penalty Charges

S69 8% interest ?

Total £?

Plus Daily Interest At 8% Of £? From The Date Of Issue Until Settlement

 

I have no idea what to put in these ?

[Michael Browne]

The daily rate is just your charges x 0.00022

Which in your case is £555?? x 0.00022= £0.12p

 

As for working out the 8% interest, if you can't open a s/s go here for an online calculator (there's one on this site, but it's pants):

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more

 

You have to fill in the amount of each charge separately, then the date of the charge. Press 'calculate' and then 'add to charges list'

When you've finished press print (you can't save it).

In the first column then write the type of charge for each entry.

Then make several photocopies.

 

This will work out the 8% to todays date, so ideally you would need to do this close to the day you actually file at court, but even if you did it a week before, you would only be losing out on 12p per day or 84p

[Laura Cooke]

Will try and sort this tomorrow failing that daughter is going to find someone who can do it I don`t mind paying a company afterall better to get it right than take claim in and I`ve messed up, can`t believe what hard work it is makes you wonder if it`s worth it but now I have told son I will do it for him don`t want to let him down. Thanks for the continued advice much appreciated if wasted on someone like me

[mango22]

I know it seems daunting - but don't give up. It is worth it - just read the success people have had!!

 

Good luck.

[Laura Cooke]

Did the 8% calculation it is nothing like the figures I sent to Lloyds TSB on my £555 owed interest is £84.77 with this calculator interest is £38.54 think we claimed 18.7% interest in our calculations to the bank so how can we now only claim 8% on the court forms figures will be totally different to what we have claimed in our requests?

[GuidoT]

I am giving Laura a hand, if you have two accounts, in the same name, is it okay to deal with them together in the preliminary letter, LBA and claim form?

[lucid]

Yes you can. Although not having taken that approach myself I'm not sure of the approach for providing schedules of charges etc.

 

Lucid

[Laura Cooke]

GUIDO

 

Do I sent this schedule and letter to bank? I have already gone pass this stage I`m at the N1 stage, or do i have to start by sending things to bank again as things have been amended another query son has another £90 bank charge due on the 1st February we can`t add that on?

[GuidoT]

Sorry Laura, as you emailed me the preliminary letter to look at, I presumed it had not been sent.

 

Have you sent the Letter Before Action?

 

Yes we can add that charge on, but we should wait until the 1 February 2007 before issuing the N1.

 

In any event I will complete a N1 for you later.

 

We will get there in the end.

[Laura Cooke]

Thanks GuidoT yes letter before action sent and he received a letter this weekend from them saying more or less "You know we don`t agree with the argument over our charges so end of story" yes can we wait and add this charge on 1st February even though it hasn`t been mentioned in any letters to bank so to speak claim will be more than the £555 we have been requesting as this charge due on 1st February is £90. Thanks for everything this help as boosted me especially as been nursing hubbie who had a heart attack in November and today we are learnt my Dad may have Alzheimers I have to take him for tests tomorrow god it never rains till it pours

[GuidoT]

Okay Laura - I will add the £90, recalculate the interest and complete the N1 and then email over to you. I will presume that the £90 relates to the account number that starts with 174. Happy to help.

[Laura Cooke]

GuidoT

 

Yes £90 relates to the account 174 thankyou so much, will it matter that in our letters to TSB we haven`t got this £90 on the total?

[GuidoT]

It does not matter that the previous letters did not include the £90.

[GuidoT]

I have just emailed (to nigesue) you over the N1 and updated schedule and a covering letter.

[Laura Cooke]

Took forms into court yesterday as been ill they said "Are you sure it is LLoyds TSB Plc" I said it must be that`s what I had on the court form anyway hope it`s ok and things start to happen

[GuidoT]

Hi - The name on the claim form that I sent you is Lloyds TBS Bank Plc and that is correct.

[Laura Cooke]

Thanks GuidoT for all your help so address was correct woman at court didn`t believe it was don`t suppose you have answer to my question on my Studio Cards Claim? not sure if that`s as far as I can go

[GuidoT]

How much is Studio for? If I remember correctly is was for £50, is that correct?

[Laura Cooke]

Guido T they sent me a cheque for £54 but is hould have been £83.77 with the contractural interest i was claiming of 39.8% the amount they charged me. They sent me a letter which I have set out in my thread on Studio Cards that they say the couts only allow 8% interest and this is what they have given me and that they can do nothing further

[GuidoT]

Given the sum involved to my mind, it is not worth the hassle, in particular if you are claiming contractual interest at 39.8%. That basis for claiming such interest remains untested in the courts.

[Laura Cooke]

So summing up just cash the £54 cheque they sent a couple of weeks ago? thanks GuidoT for advice

[GuidoT]

It is your choice, but I would just bank the cheque and forget about it.

 

Some people say it is the principle, but I do not, it is all about the money. Not that I do not have principles, of course, but as I say, it costs your time and often money to have principles.

 

It can get very expensive to have principles, in particular if you loose.

 

You just have to weigh up, if it worth investing the time and money to go after a sum of money, notwithstanding the principle.

 

I suppose a simple yes or no would have done to answer your post, without explaining the inner workings of my mind and going on....