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winky45

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  1. Ok story so far.... Sent off my S.A.R - (Subject Access Request) received a list of tranactions today, had a look through them and came up with these amounts so far: Purchases since 2005 = 487.75 Payments made to date = 324.44 balance still owed = 489.21 I am up a couple of pound.... Admin charges = 180.00 service charges = 145.90 Just about to eter all the details into the spreadsheet. So I have successfully reclaimed my bank charges but this is the first of this type of claim, I was going to use the Scotland credit card spreadsheet and letter templates to claim them can someone correct me if I'm wrong. When using the spreadsheet can I add and claim for the service charge they have applied to the account? I don't have a contract with them and never signed any either. If someone can guide me to the right spreadsheet to use I would be grateful, would like to get this started as I have sent off S.A.R - (Subject Access Request)'s for another 3 credit cards, and would like to study up on the proceedure so as I know exactly what I'm doing. After illness fell on the family I would class us as a hardship case as we are now on a dmp with cccs, can anyone say if this affects the credit cards or is it just the bank accounts? Any help or advice would be appreiated or anyone else claiming aroun the same time wouldbegood to hear from you! Winky
  2. Thanks for your reply T4FF, getting mixed feedback about whether or not I'm entitled to pursue the debited interest or not, will do some more reading on it. Winky ;-)
  3. Hi all, Still not decided yet, I have been doing a lot of reading and changing my mind every two minutes... I now know that in order to claim the full amount £1164.86 I need to file a summary cause in the court, instead of the small claims, but I am then possibly liable for the banks expenses if they win, which makes it more riskier, so I have a few questions if anyone can help me. Can I at this stage change to the 8% instead of filing for the contractual interest rate? I have been put off the contractual rate of 16.25% as it would be more riskier to prove in court, but was wondering if its too late to change it to the 8%, as I mentioned it in both my prelim letter and my LBA letter that I would be pursuing CI at 16.25 the lower royalties rate. I went into another forum and they were basically saying that because I have been offered my full charges less the OD interest that the sheriff would not take to kindly me taking it further just for the debited OD interest, and that the bank will fight it all the way, does anyone here feel the same? Should I just accept the offer and be done with it? Still really confused as to whether I am doing the right thing in taking it to court stage, really don't want to lose what’s already been offered, anyone at the same stage as me? Winky ;-)
  4. Thanks for that I will have a look through the above threads and try to get my head round it before making up my mind. Thanks again, will let you know what I decide, but not before Monday I will give it the weekend to study first. Winky
  5. Thanks T4FF, think I will do that, have been reading up all day, I also noticed that people were mentioning the £1500 but can't seem to find where the difference is, I will keep on reading through and try to get it clear in my head first, its the not knowing exactly what I'm doing that puts me off, I am a person that needs to know every little thing about it before I take any steps, I just don't want to risk losing what they have already offered, I will study some more before making up my mind. Thanks again! Winky
  6. Hi All, Came on last night as I am due to file court claim today, now thinking I will just except the offer they have gave me, they have offered my full charges of £961.41 but not the OD interest £203.45 that they have took, so I had rejected it and was taking it further, to get my money back. I would need to put in two claims to get my full money back, but after reading this and some other threads I am wondering if this is the right route too go down and whether to just accept the charges and run. Bit confused now, any help appreciated. Winky
  7. Hi All, Sorry for jumping on board, came on tonight as I am due to file court claim tomorrow, now thinking I will just except the offer they have gave me, they have offered my full charges of £961.41 but not the OD interest £203.45 that they have took, so I had rejected it and was taking it further, to get my money back. I would need to put in two claims to get my full money back. After reading this and some other threads I am wondering if this is the right route too go down and whether to just accept the charges and run. Bit confused now. Winky
  8. Thanks TANZARELLI, I will write it up today, I would rather they were kept up to date with what I was thinking and that way I am giving them more chances to settle before court. Thanks again winky
  9. Thanks guys just having that extra support there makes all the difference, should I reply to the letter saying I am still going ahead or just ignore it and file court claim at close date of LBA?
  10. they had ran out of time before this letter arrived so I had already sent my LBA to them yesterday, should I just leave it as is or write a reply to this letter telling them that I am still going ahead and that the LBA closing date still stands?
  11. As it happens the letter was late in arriving as the close date for previous letter was Friday, so I had already sent the LBA yesterday before I received this letter today, so thinkn I will just leave things the way the are until the LBA date is up, I am in no rush as I won't get anything out of it anyway, my aco**** is £985 in OD, and hasn't been used since 2004 so I may as well continue with my claim. Thanks for you info its all appreiated. winky
  12. Having taken advise from others I went ahead and proceded to ask for the extra OD interest of £203.45, this is purely OD interest on the penalties and not the whole of the OD. I received this letter from the bank today, just wondering what folks think whether I should just go ahead an accept it or not, or have I case to pursue against them. ------------------------------------------------------ Thank you for your correspondence received here on 12/2/07 relating to our recent offer to settle your complaint for the amount of £961.41 as a gesture of goodwill. I am sorry that you feel unable to accept this offer, but having validated your claim and discounted any charges that do not relate to unarranged borrowing, I can assure you that it represents all administration charges that were applied. As we are making a goodwill gesture by offering you an amount equivalent to these charges, we are unwilling to consider additional payments in respect of any consequential interest you may have calculated. Similarly, we will not refund any legal or other costs you may have incurred in pursuing your claim. I believe out offer is a fair one and hope that, on reflection, you will feel able to accept it. If so, please sign and return the original acceptance Performa and I will arrange for you account to be credited. If however you remain unwilling to accept out offer, I regret that you will need to either refer your case to the financial Ombudsman Service who offer a free independent review, or alternatively proceed with legal action. Should you wish to approach the financial Ombudsman Service, please let me know and I shall arrange for the Banks confirmation of Final Response to be issued. Yours sincerely ----------------------------------------------------------
  13. Here you go... My claim was for £961.41 plus OD interest of £203.45, totaling £1164.46, heres the letter I received today. -------------------------------------- Thank you for your correspondence received here on 12/2/07 relating to our recent offer to settle your complaint for the amount of £961.41 as a gesture of goodwill. I am sorry that you feel unable to accept this offer, but having validated your claim and discounted any charges that do not relate to unarranged borrowing, I can assure you that it represents all administration charges that were applied. As we are making a goodwill gesture by offering you an amount equivalent to these charges, we are unwilling to consider additional payments in respect of any consequential interest you may have calculated. Similarly, we will not refund any legal or other costs you may have incurred in pursuing your claim. I believe out offer is a fair one and hope that, on reflection, you will feel able to accept it. If so, please sign and return the original acceptance Performa and I will arrange for you account to be credited. If however you remain unwilling to accept out offer, I regret that you will need to either refer your case to the financial Ombudsman Service who offer a free independent review, or alternatively proceed with legal action. Should you wish to approach the financial Ombudsman Service, please let me know and I shall arrange for the Banks confirmation of Final Response to be issued. Yours sincerely
  14. sure give me a min to type it up... winky
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