Hi all,

Another credit card I have had for years and have been hit with bundles of late charges & overlimit fees.

SAR and cheque going out recorded delivery tomorrow - will keep updated with the excuses and rationales as they come up.

I am brand new to this, although think I may be able to set a World Record with my charges over the last 6 years - so pleased to finally have the knowledge & confidence to challenge, let alone win !!

Sounds like a nice windfall is probably on its way to you really soon then (It's really nice to see some cash come in that you thaught was gone forever ). Make sure you folow the procedure set out to minimise their wriggling menouvers to try to worm out of things that IMHO they owe ya! I'm sure the CAG owners will appreciate a donation out of your payout if you possibly can, I know I'm gonna donate when I get paid (eventually 'cos my bank charges have been stayed (put on hold) for over a year!!)

Good luck and I'll follow your progress.

Absolutely will donate - such a helpful service..

Thanks for your support - SAR sent as planned..

Sure will be donating (and other cards too..)

SAR sent as promised - Thanks for your support..

Make sure you keep us updated, and any questions you have, just ask.

Hi all,

RBS have come good so far on the time front (beating Cap 1 so far) and after excitingly totting up my costs it is an unbelievable £824 !!

Question : Do I just hack the LBA for bank account charges to send the letter ??

Going onto template now to work out the interest calculation - hopefully I can get my head around this part...

What APR do you think I should use ??

Staying on my timetable so far - I can do this (thanks for your time)

Sorry, meant prelim not LBA !!

Hi, Bigad123.

Here's the Credit Card letter.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

Regarding the Interest, I only used the statutory 8%.

Regards.

Scott.

Thanks so much for your prompt help and advice.

Should I send this now I or is there a prelim letter equivalent ??

I have tried looking for the answer - still getting used to all this, expert in no time !

Hi, Just edit this prelim.....

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Regards.

Scott.

Thanks so much for all of your help so far, this is just the first credit card of many but want to perfect my process before taking on the others.

Hacked prelim letter today and my charges for the period were 824.

Now I applied 8% to this and now the total claim is 996.21, had to use the simple spreadsheet on here.

If I applied the credit card rate of about 19% it would make a big difference in the claim. I can see there are loads of schools of thought on this one but unless anyone hugely objects I will send off my prelim letter tomorrow using the 8% - want to keep things simple and am not a greedy man.

Still £900 I did not expect & will help loads after donation...

Hi, Bigad.

It's best you leave the 8% until you file at Court.

Regards.

Scott.

Thanks Scott - Prelim sent today (25/6) using the advised 8%..

Here goes !!

Hi, Bigad.

Post back as soon as you hear from them.

Don't think it matters a lot about not including the 8% until you file at court

Good luck with that.

Regards.

Scott.

Hi all,

After a chase I have received a letter from RBS a couple of days before I am due to submit my LBA Letter & they have offered me the mandatory difference between the £12 and £20.

Advice from the site seems to be decline this and plug straight in with the LBA, should I just tear up the cheque ??

Have I missed anything else out ??

Thanks for your time

Have they actually sent you a cheque?

You can send the rejection letter, stating you want the full amount.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

and carry on with your lba letter.

They have physically sent me a cheque. Reading the very useful link I wa sent (thank you) I will reject the cheque, although bank the cheque as partial settlement.

I will make this clear in my return letter and also submit the LBA for the remainder.

Will send this tomorrow unless I receive any advice to the contrary.

Cheers

Real laugh for you all now..

RBS sent me exactly the same letter again today with the offer of the difference (the same amount again - £176) I now have 2 cheques for £176 pounds each (bizarrely signed by the same person!)

Should I reject offer, whilst banking both cheques as part repayment for full amount or would this be deemed as malevolent ??

Please advise ??

After more cheques sent to me and cancelled they have finally, officially told me to bugger off. Which is handy really as my LBA runs out today.

I will be putting some time aside tomorrow to complete the necessary court forms and am almost g'teed to need some support so will be posting more tomorrow.

Looking forward to a practical day tomorrow to try and put this whole matter to bed - and get refund of all my charges.

Wish me luck !

Good luck, Bigad123.

Keep us posted.

Regards.

Scott.

Thanks Scott/All

Have been reading articles on the site all morning so far (I always somehow get distracted by the success stories !!)

I have a copy of the Capital One POC and it all seems straightforward. My 2 questions are...

* Can I now claim the 21.9% APR I had on average for the card or do I have stick with the 8% standard ? On this note do I charge interest up to todays date, or the date I submitted the initial claim ?

* Struggling to locate exact details for court. Do I submit to my local court naturally & where do I find definative details on costs ??

Thanks for any help - hoping to get this filed this week and see what happens..

If you are wanting to claim CI, you need to state this in your prelim and lba letters. The 8% interest you are claiming starts from the day you started your claim.

Here are some details on the court questions.

How to find your local county court...

The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service - Court Information and Addresses) is not available

Court fees...

up to £300 - £30

£300.01 - £500 £45

£500.01 - £1,000 £65

£1,000.01 - £1,500 £75

£1,500.01 - £3,000 £85

£3,000.01 - £5,000 £108

£5,000.01 - £15,000 £225

£15,000.01 - £50,000 £360

£50,000.01 - £100,000 £630

£100,000.01 - £150,000 £810

£150,000.01 - £200,000 £990

£200,000.01 - £250,000 £1,170

£250,000.01 - £300,000 £1,350

Thanks for your help, sorry to be thick just want to get this absolutely right as have followed the process so far.

Do I just send to a Magistrates Court local to me ?

If not what type of court does it need to be sent to ?

Sorry for really basic questions..

Your not being thick. You are being careful. No question is ever daft, but a daft mistake could be costly! ALWAYS ask if your not sure.

It has to be filed at your local County Court. You should be able to find it in the link above i gave you.

Thanks so much for such a quick response.

Found Romford is my local office so printing up everything now and will send all info and cheque to their address from link.

I have this RBS credit card claim and two for Cap one (have seperate thread)

Presume I should send them all seperately ?

Thanks again