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Capital One. Check. HSBC. On the ropes. (edit 22 May 2007: HSBC. Check). Next up? Barclaycard. From the forum it looks like this one might be a pain in the you know what.
This time I might go for contractual. I've looked for threads about this in relation to bcard, but haven't found much. Can anyone point me in the right direction?
Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled. Barclaycard: SAR 2nd May 2007.
This might be a record... received statements from June 2004 today.
Usual stuff in accompanying letter about microfilm. They say they'll be sending the earlier statements later, but it may take "6 weeks or so". Now there's a suprise, Barclaycard. I'll be sending a little nudge letter to you as soon as I've got new toner for my printer.
Now, can anyone help with a question about contractual interest?:
Firstly, I can't get any of the spreadsheets to download. I've tried to get Vamps' one, but it says it can't find the file. Should I look somewhere else?
Secondly, there are different rates of interest on some of my statements, so how do I go about working out CCI for each? I could do it manually by having lots of different spreadsheets and them combine the results into one at the end. Would that work, do you think?
Thanks a lot everyone
GG
Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled. Barclaycard: SAR 2nd May 2007.
Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled. Barclaycard: SAR 2nd May 2007.
Combining them all sounds like a pain in the apples to me! How about picking the most recent interest rate and using that? Did you click the link to Vamps chambers? I've been using them today and they worked fine, very easy to use too
Got all remaining statements at the end of last week. Decided not to go for CCI, so sending prelim off today. From the posts it looks like I'll be in for a rough ride with Bcard, so wish me luck!
GG
Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled. Barclaycard: SAR 2nd May 2007.
Greengrocer vs Barclaycard
. Check. HSBC
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