We did this in may of this year,we had to buy a new liner as they are not easy to join with out leaks. The smaller pond was'nt to heavily stocked,we kept the fish in a large plastic tub while we carried out the work and they were fine. The existing pond was about 6 x 4ft ,the new bigger one is now 14x 12,we wanted it bigger so we could keep larger Koi's,and add a waterfall. It was worth the hard work,the end result is stunning,the fish have bred for the first time and we certainly have more fauna and flora in the garden because of it. I would say go for it,we're pleased we did.

Hi Elapsed days from then to now should show as 3811 and the interest amount should be £68.93 Regards ims

Just think of it as an unplanned savings account with 8% interest! It becomes fun working it out

Hi Yes you can reclaim. First thing would be to send a Subject Acces Request to Barclaycard to get copy statements nd/or full transaction history. There is a cost of £10 whichmust be sent to them with the letter and they will have 40 days to comply. Go to the fos website and download a consumer questionnaire ready for completion. When you have your transaction history you will be able to prepare a schedule of claim and youwould submit this, together with a copy of your claim and the questionnaire to Barclaycard. First thing is to get the SAR of to Barclaycard...there is a template in teh CAG library, the link to which

You're welcome Don't spend to much time on the letter and spoil your Sunday R

You can send it in response to their letter and thank them! Point out that the statements they have sent clearly show that this is SB!

It's in there somewhere...http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

Look in the library as there are letters to use when a creditors refuses to stop interest (or for you to ask them to stop interest)...