Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
After getting all my money back from MBNA, now its Egg!
I sent the SARS request and got back a little booklet, that i have to fill in, send £10 and a bank statement to prove i am the owner of the card, is this the correct procedure
The statutory fee for a SAR is £10 (if they had any decency, they would refund your £5 - wait and see, but don't hold your breath)
Steven
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Tal does have a wider point for debate here. You get charged interest on your balance, so if part of that balance is for unfair charges then some of the interest could be naturally argued as unfair, obviously this would be complicated to calculate because you have interest on the interest and so on but the financial institutions do it !!!!!!
Mercantile interest is interest on the card balance (usually purchases) - you can claim back the proportion attributable to charges - see my interest tutorial
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
dont fully understand, are you saying i can claim the merchandise interest as well and add 8%
Originally Posted by steven4064
Mercantile interest is interest on the card balance (usually purchases) - you can claim back the proportion attributable to charges - see my interest tutorial
Yes, you can claim mercantile (or credit) interst on the charges (after all, that's what you have paid them) and then 8% on top of both
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Steve, my statements show 'merchandise interest' - this is o.k to reclaim?
i'm working out the fees and the mechandise interest add them up and then add 8% and send a request for payment letter to Egg, which address do you send the letter to?
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I put all the charges into a spreadsheet and worked out the totals with and without the 8% interest
Which template letter do I use that you recommend and which address do I send it to?
I don't want Egg to refund the charges into my account, but send me a cheque instead so i can cash that into another bank, how do i put this request into a template letter?
This is irrelevant (of thtey are going to say that) - just press on
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
tal vs Egg............
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Originally Posted by steven4064
