Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Road_Hog Novitiate Road_Hog's Avatar



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    Default RBS Credit Card Prelim letter

    This is my first time at getting charges back from credit cards. I have started with my Mint card as I have now closed this. I've sent off for my copy statements/list of charges and have received them.

    I'm now ready to send off the Prelim letter. My question is, is there a separated prelim letter for credit cards? I see there is a separate one for lbaicon but I can't see one for Prelim. The standard one mentions overdrafts etc which aren't teally relevant to credit charges.

    Any help appreciated.

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  2. #2
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    davidhannam Novitiate



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    Default Re: RBS Credit Card Prelim letter

    i just changed it around a bit, like changing overdraft for credit limit etc...could also add late payment fees, but direct debiticon refusal fee still applies... so not much to change...


  3. #3
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    Default Re: RBS Credit Card Prelim letter

    Okay, second question. This is again down to claiming back late payment charges, how do you calculate the interest rate?

    I have a list of charges, only totalling 152 over 2.5 years but the interest rate RBSicon will have charged will have changed over that time. What rate should I apply?


  4. #4
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    Default Re: RBS Credit Card Prelim letter

    Quote Originally Posted by Road_Hog
    Okay, second question. This is again down to claiming back late payment charges, how do you calculate the interest rate?

    I have a list of charges, only totalling 152 over 2.5 years but the interest rate RBSicon will have charged will have changed over that time. What rate should I apply?
    This is the info I am after, there are spreadsheets for credit cards but I can't open them so i don't know if the rate can be changed etc. i am awaiting technical help. Here's the link though: http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html
    You may be able to open the spreadsheets and use it to calculate the interest. I can only use openoffice as I don't have works or excel but it won't open for me!

    Hope this helps


  5. #5
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    davidhannam Novitiate



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    Default Re: RBS Credit Card Prelim letter

    yeah you can change interest rate, but also want o charge the 8% on top of that as well.....so cut and paste the formulae into another column, then work out the interest daily, for example @ 17.9% interest, would be 0.179 / 365 = 0.00049, so enter that into the formula so should look something like this

    =(D5*0.00049)*G5


  6. #6
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    007coot Novitiate 007coot's Avatar



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    Default Re: RBS Credit Card Prelim letter

    Hi David, are you using open office? I can't open the spreadsheets and spicey e-mailed me open office for my bank account. I need open office for credit card and I have no clue how to change the interest rate! Any ideas?? I'm really stuck!

    Thanks


  7. #7
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    davidhannam Novitiate



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    Default Re: RBS Credit Card Prelim letter

    i use excel, sorry i dont know open office



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