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I've been doing research for some months now but still have lots of questions to ask, so I'll take the chance now.
I've just moved into my new house and I have found most of my statements packed away in boxes, all but 5, so I'll be sending a S.A.R sometime this week. While checking my old papers I found the leaflet that contained the application form for the card, and it gives details of de Consumer Credit Agreement, is that the CCA a lot of people are talking about? Do I need to ask for this CCA on my S.A.R?
Also, I have one charge of "only" £12, can I still claim this one?
And finally, I have been trying to work out the spreadsheet with the charges I have, but in all of the statements there seems to be different interest rates (I'm planning on claimimg CI), sometimes 19%, others 21% and the famous 27%, can I change that in the spreadsheet and how do I go about doing it? Any suggestions?
Actually, according to the Contractual interest thread if I am claiming this I have to do it from the beginning, it's only if you are claiming the 8% that you wait until you file your claim in court. So that's why I need to learn how to work the spreadsheet out soon, though I guess I still have lots of time until I get my statements back from them
I just got all my statements, and my charges come up to £147, which is not much but I still think it's worthy to pursue.
I have to start doing the spreadsheet now to calculate interest and everything. I have read a few threats warning against contractual interests now, but I'm not sure if that applies or not for credit cards so could anybody tell me if it's still ok to claim this?
Also, back to a question I had asked before, this is if i go for contractual interests, how do i calculate the interest rate if the interest rate has been different at all the times I had been charged?
Back again. After being sidetrack for many months because of my landord (he decided to sell the flat, the estate agents didn't inform me and i found out he had been showing the flat when i was away on holidays without giving me any warning, and now is threatening me if i don't co-operate - battle ongoing) I finally have enough time (and will) to get back on track with my claim. I was working my spreadsheet to calculate the contractual interests and i just wanted to check i've done it right. So first I calculate the money owed to me and the interest on that, but do I calculate the interests with the cash or purchase rate? and then, i just calculate the interest in the total amount at the interest rate barclaycard charged me (so instead of asking for an 8% interest if you go to court, you ask for a 20-something from the beginning).
I would appreciate if somebody could tell me if I'm right and where I'm going wrong, so I can get on and send my first letter. Thank you!
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
First of all thanks for your help. So far I see my thoughts were right, but I'm afraid I didnt express myself well on my last point. I was wondering about Compound CI; in this case do you work the interest over the total of penalties plus interests on penalties, at whatever rate (cash or purchase) and you do it from the beginning ie, from the Prelim letter?
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
In which case, the spready should do all the work for you.
You enter the chg amount, date, int't rate, etc as per the instructions. This should result in your spready giving you the totals for chgs, CI and the 8% s.69 int't (on the seperate sheet).
If I'm still not helping, just say and I'll get someone else to reply who may well understand the issues better than I and, consequently, explain them better for you.
What is REALLY important is that YOU understand the basis of your claim for CI as you may well have to argue with a BC legal rep before or in court to justify the CI you're claiming. the good news is that BC will simply so no to CI but not offer any alternative calculations.
BC tend NOT to simply settle when CI is being claimed as you'll see from the threads of others here.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Macgirl vs. Barclaycard
rates (I'm planning on claimimg CI), sometimes 19%, others 21% and the famous 27%, can I change that in the spreadsheet and how do I go about doing it? Any suggestions?
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Re: Macgirl vs. Barclaycard
Re: Macgirl vs. Barclaycard
