Help with Prelim

ajh021 · 28th February 2007, 13:57

Hi all,

I have used the spreadsheet template and added all the charges owed.
They total 564.00

For credits cards, do i ask for the 8% interest now in my letter, and send them the Interest on Penalties spreadsheet too.

Also, when do i ask for my £10 Subject Access Request fee back.

I am not asking for contractual interest , as seems too complicated.

AJH021

ukaviator · 28th February 2007, 15:10

Hi

If you wanted to add contractual interest, then the spreadsheet will work it out for you. You need to ask Capital One what the rate is on your card. It can make a big difference to your claim total. If you do want just the 8%, you add that at the court stage through the N1 form or MCOL. Some people have added the 8% interest from the start of their claim, and some banks have paid it.

You can't get the £10 fee back. They are entitled to charge that for the service of supplying your data.

Uk

ajh021 · 28th February 2007, 21:26

thank you for that.
i will check out the contractual interest tonight, and see how i get on.

ajh021 · 21st March 2007, 12:25

Hi ,

Recived a reply to my prelim sent.
They are redusing the fees to £12 and and say they have refunded the account with £168.00. This still mean we are over the limit.

The charges claimes are £564.00.

Next step.
Do i send the LBA and a letter accepting their offer as partial payment?

AJH021

ajh021 · 21st March 2007, 12:31

the letter adoes not says full and final settlement, but says that if they don't hear from me within 40 days then they will consider the matter closed.

ukaviator · 21st March 2007, 12:39

There are Rejection letters in the bank templates library. Links below. Tell them to refund all of it or you will take action in the courts if neccesary.

Uk

ajh021 · 21st March 2007, 12:48

thanks for the info.

should i combine the rejection letter with the LBA, or send them separately.

ukaviator · 22nd March 2007, 01:44

Send them separately.. a couple of days apart, but stick to your timetable. You are in charge..

Uk

ajh021 · 26th March 2007, 23:13

Just an update.

I sent my rejection letter on saturday, and advised them i will accept there offer as a partial payment.

LBA to go off on Thursday.

Do we calculate 14 days, or 14 working days??

Michael Browne · 26th March 2007, 23:16

All timescales are calendar days.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit--	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki