Well, I've been hanging on and hanging on for months, I must be the King of the procrastinators
I finally decided after dozens of letters back and fore between me and A&L that it was time to act, and to do it all at once.
During a brief look around for some information that I thought might come in handy, I found this:
A&L's unauthorised borrowing rates, with effectivity dates
So I've just spent an hour or two re-doing my spreadsheet breaking it down into 4 individual ones, each of them just covering the applicable dates, big difference......
My original was using 17% CI for the whole period, but it turns out that the first 4 years were charged at 29.8% :o
So, after re-working, a £21,000 ish claim has leapt up to £26,305 :o
It's in the post tomorrow
