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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    Default sah1213 vs capital one credit card charges claim

    Hi All
    if any one can help ,

    i am looking to claim credit card charges ,late payment and over limit fee .

    SARicon done to capital one and received every thing

    account was opened in 2005 january .

    charges in total is 200
    interest rate was 34.9%

    i have done the spread at the interest rate of 34.9% so total amount is coming nearly 9000.
    should i charge 34.9% or lower ?

    I have been to court few times on hearing with lowell and won (its was mobile phone contracts)
    this claim is for my survival and i am willing to go to hearing (if its comes to that point )
    but first time taking someone to court if any one can guide me with my claim .

    My reason for same interest as on card is that go for higher amount and then settle for bit lower reasonable amount any chance of success at that rate?

    thanks in advance


  2. #2

    Default Re: sah1213 vs capital one credit card charges claim

    Thread moved to the appropriate forum...please continue to post here to your thread.

    Regards

    Andy

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  3. #3
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    Default Re: sah1213 vs capital one credit card charges claim

    sorry dx i will post to right place now.
    thanks


  4. #4
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    Default capital one credit card charges reclaim

    Hi All
    if any one can help ,

    i am looking to claim credit card charges ,late payment and over limit fee .

    SARicon done to capital one and received every thing

    account was opened in 2005 january .

    charges in total is 200
    interest rate was 34.9%

    i have done the spread at the interest rate of 34.9% so total amount is coming nearly 9000.
    should i charge 34.9% or lower ?

    I have been to court few times on hearing with lowell and won (its was mobile phone contracts)
    this claim is for my survival and i am willing to go to hearing (if its comes to that point )
    but first time taking someone to court if any one can guide me with my claim .

    My reason for same interest as on card is that go for higher amount and then settle for bit lower reasonable amount any chance of success at that rate?

    thanks in advance


  5. #5

    Default Re: sah1213 vs capital one credit card charges claim

    its been moved for you
    stay here.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
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  6. #6

    Default Re: sah1213 vs capital one credit card charges claim

    so you've used the CISHEET?

    is the card still active?

    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  7. #7
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    Default Re: sah1213 vs capital one credit card charges claim

    oh ok i just posted again .ok i will continue post here then .
    so any advice on interest rate dx?


  8. #8

    Default Re: sah1213 vs capital one credit card charges claim

    you use what they charged you
    is the card still active
    and are you using the cisheet?
    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  9. #9
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    Default Re: sah1213 vs capital one credit card charges claim

    account was close in 2007 and sold to LOWLL i cleared the account in 2007 . it was outstanding 396 .BUT i paid 200 i think to settle the account.


  10. #10

    Default Re: sah1213 vs capital one credit card charges claim

    so you cant claim their int till today!

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  11. #11
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    Default

    yes i used the cisheet which is been used in shelly threads i have done lot of reading on few threads .letter is printed and i have also printed POCicon as well
    thanks

    ok i have send SARicon to lowell group as well to find out what actually happened to the account but in capital one SAR they didn't show that account was paid or any letter to say that it was sold to DCAicon.

    application form and statement and and one spread sheet which shows that just charges and closing balance .but i do remembered paying lowell .

    can you explain bit more please if you got time about interest rate etc?
    thanks


  12. #12

    Default Re: sah1213 vs capital one credit card charges claim

    they closed or stopped charging interest in 2007
    you will have to set your claimto date. on the CISHEET to that.

    then take that total balance shown on that sheet
    and put it in the statint sheet as one whole sum
    on the day AFTER they stopped their INT
    that will give you 8% statint to date.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  13. #13
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    Default Re: sah1213 vs capital one credit card charges claim

    sah1213 .… did you do anything with this???


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