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Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
Hey All,
This is my first post on my first thread on my first forum,been reading bits for a while now. Anyway Reaver's story so far...
It started with either an inconviently timed DD or going slightly over my limit, When I quit my job a few years ago Capital One,Barclaycard,Lloyds Tsb and Aliance & Leicester went over the limit and each month due to further charges they went more over the limit until my accounts were closed.I've struggled ever since this and resent DD and banks and credit cards for it. I even complained about the whole set of circumstance a few years back but no success.
After reading the FAQ's and seeing what others have done I'm more dettermined than ever to sort out this mess. I have done Data requests for Capital one,Barclaycard,Lloyds Tsb and Aliance & Leicester. Which cost me £10 per request and I now have the statements witht the charges on for all but Barclaycard,who've tried hidding behind the red hearring of having the stored on microfiche. But after watching this thread http://www.consumeractiongroup.co.uk...hey-wrong.html I've discovered that the imformation commissioner has sided with us. My letter to Barclaycard's in the post and hopefully they'll give in and give me my information.They've only added cost on for them selve's with that one.
I'm almost ready now. I've got the recommened small claims pack and book from this site as CAG's helped me massively so far. I have the priliminary letter ready just need to work out the amounts.I've added up my charges. I just need to understand the interest side of things now.
Seems to be three rates (8,16.9?,28.9?),im not sure if these are different for each bank and when each gets applied from.From the charge date or claim date,and whens the claim date? getting a little stuck here,so any help would be appreciated. I will all so try to keep updating this thread with my progress to help any others who think it wrong that the banks and credit cards can treat us like dirt and get away with it.
Re: Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
Hi Maroondevo52,
Thanks I am inputing the charges now,still a little confused by Interest charged (+),Statement balance (+),Amount of balance paid during subsequent month (+) and the later coloumes?
After looking back to the step-by-steps It says:
"Having received either a summary of charges, or copy statements, and calculated your charges (plus any overdraft interest which you can show was caused solely by those charges - not general overdraft interest), enter them into one of our spreadsheets in the Library. This will also calculate a further kind of interest (at 8%) but this is not reclaimable at this early stage and is for future reference only.
(2)
If you know how much you are claiming (i.e. because you already have all your statements), then send the preliminary approach letter - PRELIM LETTER - in the library section.
Edit the letter according to your circumstances, removing any details not applicable etc..
Enclose a schedule detailing the charges you are claiming, but do NOT include the 8% interest on the schedule yet"
I've totalled the charges but I'm having great difficulty in issolating the "interest which you can show was caused solely by those charges - not general overdraft interest". Does the spreadsheet do this for me????
Re: Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
Hey people.
I'm really confused by the spreadsheet I've been looking at. I need to understand whats going on in it incase I need to explain it in court,if I get that far.
When's my claim date?when I send the first prelim letter?
I kinda get the 8% statuary interest added from the claim date I guess? is this monthly or annually?
Does the spreadsheet work out the interest originally charged on the charges and if so how?
At this rate I mite just send the prelim letter with the total of all the charges?
Re: Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
Hi
You don't add the interest until you file a claim. For right now, you are merely asking for the charges back. That is, unless you are claiming contractual interest (a higher rate) inwhich case I suggest you read up a lot more, do some searches until you are really sure about what you are doing.
Re: Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
Please start your own threads in your respective bank groups.
Pm me when you done that and I will move your posts there from here.
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Reaver V's Capital one,BarclayCard,Aliiance & Leicester,Lloyds Tsb & Natwest
,Barclaycard,Lloyds
's helped me massively so far. I have the priliminary letter ready just need to work out the amounts.I've added up my charges. I just need to understand the interest
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