Hi All

if any one can help ,

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

SAR 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

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

Regards

Andy

sorry dx i will post to right place now.

thanks

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

its been moved for you

stay here.

so you've used the CISHEET?

is the card still active?

dx

oh ok i just posted again .ok i will continue post here then .

so any advice on interest rate dx?

you use what they charged you

is the card still active

and are you using the cisheet?

dx

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.

so you cant claim their int till today!

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 poc as well

thanks

ok i have send sar 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 DCA.

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

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.

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