morgan stanley or barclaycard ***DELIGHTED**

[noomill060]

You still there, brindle, or have you fallen off your perch in shock?

[brindles]

hi noomill

ok understood, I didnt realise about the 360 day year.

so i list all the seperate charges, date, name of the fee/charge, interest amount and the totals.

i did fill out a spreadsheet already so i have an idea of what the finished item should look like.

I find it almost imposible to believe how it all mounts up.

can i really be legaly entitled to claim all the interest.

Do the banks have to pay the interest on a claim if i have asked for it.

If they dont or wont pay the interest, have the courts been backing the claimants.(lets forget about any court cases in jan 09 for a mo).

if you let me know im on the correct path I will do my list and let you have a quick look before i send it off.

thanks very much noomill.

[angel_1]

hey guys,

i for one am still on the Floor!!!!! off my chair and nearly knocked myself out.....lol



i knew i had to do some researching on that compound interest, nowwwwwwww i def will

gosh thanks to all ive learnt something fab today

ciao for now MAZ

by the way have subsribed to this thread good luck to all

[brindles]

i still am amased, but noomill has not given me the ok, so im still unsure if all is fine making a claim for the interest of that amount.

hope so though. lol.

thanks.

[noomill060]

Yes

Its a credit card claim, so isnt affected in any way by the current account BANK charges test case.

[noomill060]

If they don settle and you start a small claim, you can also claim County Court interest @ 8% or the compund contractual rate ON TOP.

My intial claim against morgan stanley was for the return of £595 of charges. I went to court and got default judgement.

In the end they were ordered to pay me approx £2000.

[brindles]

hi all,
thanks noomill, i will work it all out(try) and let you know before i send it.

I think the penny has dropped. lol

thanks noomoll.

[angel_1]

Originally Posted by noomill060

If they don settle and you start a small claim, you can also claim County Court interest @ 8% or the compund contractual rate ON TOP.

My intial claim against morgan stanley was for the return of £595 of charges. I went to court and got default judgement.

In the end they were ordered to pay me approx £2000.

hiya back to have another look.

so in effect if the compound contractual rate is of course higher than the 8% county court interest, best to go for that, so i see how you got such a higher figure

again many thanks for the info ciao for now MAZ

but as Arnie used to say,,, "i'll be back......-

[Josie8]

You are only reclaiming with contractual interest what they have charged you - makes you think doesn't it!

[noomill060]

Yes, all you are doing is asking tro be reimbursed wht you have already paid them as a resuly of their deceit.

Incidently, I claimed CC interest on top of it all, at the contractual rate, not at 8%.

The law actually states, that CC interest can be awarded at 8% simple, OR AT THE RATE SPECIFIED IN THE CONTRACT.

I claim contractual rate and was awarded not far off £700 -

ON TOP of the £595 charges and £700 interest on those charges.

[brindles]

hi again,
I have entered my charges and used NOOMILLs link to calculate the interest.

This is what I have come up with.

Could you let me know if this is ok as a S.O.C please anyone.

TOTAL AMOUNTS

640.00

1,525.45

Charge Reason

Charge Amount

Charge Date

Days

Interest

late fee

20.00
11-Nov-2002
2190
80.97

late fee

20.00
12-Dec-2002
2158
78.68

late fee

20.00
11-Jan-2003
2124
76.52

late fee

20.00
11-Feb-2003
2094
74.33

late fee

20.00
15-Mar-2003
2060
72.13

late fee

20.00
10-Jun-2003
1975
66.39

late fee

20.00
11-Jul-2003
1944
64.50

over limit fee

20.00
15-Jul-2003
1940
64.19

late fee

20.00
9-Aug-2003
1916
62.55

over limit fee

20.00
15-Aug-2003
1910
62.28

late fee

20.00
12-Dec-2003
1793
55.35

late fee

20.00
10-Feb-2004
1730
52.08

late fee

20.00
12-Mar-2004
1698
50.45

late fee

20.00
10-Apr-2004
1670
48.96

late fee

20.00
10-Aug-2004
1550
43.02

late fee

20.00
10-Aug-2004
1550
43.02

over limit fee

20.00
14-Aug-2004
1546
42.83

late fee

20.00
10-Sep-2004
1520
41.59

over limit fee

20.00
15-Sep-2004
1515
41.36

late fee

20.00
11-Oct-2004
1489
40.19

late fee

20.00
10-Nov-2004
1460
38.87

over limit fee

20.00
15-Nov-2004
1455
38.66

late fee

20.00
10-Jan-2005
1395
36.28

late fee

20.00
11-Feb-2005
1364
34.96

late fee

20.00
12-Mar-2005
1333
33.80

late fee

20.00
9-Apr-2005
1306
32.70

late fee

20.00
10-Jun-2005
1245
30.54

late fee

20.00
11-Jul-2005
1214
29.20

late fee

20.00
10-Dec-2005
1065
23.97

over limit fee

20.00
15-Dec-2005
1060
23.81

late fee

20.00
10-Feb-2006
1000
22.00

late fee

20.00
12-May-2006
908
19.27

Thats it? hope i have got it correct.

getting back to the question, Who should I claim against. Some say Barclay, some say both.

Would Barclay t/a goldfish cover it?

Thanks.

[brindles]

Sorry not pasted to well. Hope it makes sence

Thanks again, The interest in err interesting.

[noomill060]

Yes, that looks about right.

I would be claiming against Barclays Bank PLC t/a Barclaycard.

Goldfish no longer has any identity, as it merged with Barclays and the credit card business was absorbed into Barclaycard.

If you dont accept that, do some googling and find a Goldfish website- any link you click on brings you to Barclaycard's.

Whatever, if Barclays want to argue, threy will have to meet you in Court, and they really dont want to do that.

Now send a nice Letter Before Action template and tell them you want all your money back (charges + interest) within 14 days.

[noomill060]

Send it to your local Barclay's branch or

Barclays Bank PLC
1 Churchhill Place
London
E14 5HP

[slick132]

After a recent BC case where they had a judgement Set Aside for incorrect service of the claim, please use the Churchill Place addy and name them, as Noomill says, Barclays Bank PLC t/a Barclaycard.

[brindles]

wow thanks. im gonna be rich. lol.

Will send to churchill place, is there a name i should add?

thank you all

[brindles]

I will let you know there reply.

[slick132]

Originally Posted by brindles

Will send to churchill place, is there a name i should add?

No, it will find it's way to BLT = Barclays Litigation Team

[noomill060]

If they dont pay up right away (which they wont), you're going to be even richer, because if you have to issue a claim (which you will), you can claim an addition % under the County Courts Act 1984.

See post 66

[brindles]

hi all,
Lets not forget i have sent the following letter 17/11/08.

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 15/10/2008. received by you on 21st October 2008.The disclosure of personal data is incomplete in that at least the following documents are missing.


1) You have failed to provide a complete list of transactions and charges for July to September 2006.


Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

You have a further 15 days days to comply.

Yours faithfully,

This morning a have received 2 of the 3 missing statements. Aug and sept 06
but july 06 is still missing.

I know there is £40 of charges applied to the missing statement but i do not know on what date in july these became added.

should i send another letter
or just wait
or just forget about it and leave it off my claim.

I feel i should claim all they have taken, even if it is just one statement missing.
but i am also eager to file my claim.

thanks again for your advice. I realy cant praise you guys enough for your help.