Hello, I hope someone can help me with this. I received a parking ticket on Wednesday 30th April from Newcastle City Council. I arrived at the car park just after 9am and it cost £3 to park there all day. I put £2 and just before I went to put in another £1, the machine printed the ticket. The ticket was to expire at 12.30pm that day, so I thought that I would come back during lunch to pay for the remainder of the day. However, my meeting overrun and I didn't get back to my car until 12.50pm, by which time I had already received the parking fine. I was going to make a complaint to the council regarding the faulty machine, but I think I may have a better chance complaining that it does not have the right information on it. There is no "date of contravention 30/4/08" it just says "date 30/4/08". It also states on the header of the notice "Excess Charge Notice". I could try to scan the ticket if it helps. Thank you in anticipation

Hi Chad, I am in the same position as you in trying to get statements from GE Capital. I recently received my credit report from Callcredit and they have detailed on there which months you paid late, so I thought I may use this data to estimate the charges. You can get a credit report from them for £2.00. I will send my prelim tomorrow and see if they pay up. Good luck with your claim.

Hello again, They rang me yesterday and I asked nicely for the refund in my charges. They refused and demanded payment or they would put my account in default. I paid off the balance in full and demanded they close my account. I will send them a prelim letter today. What are my chances of getting the charges back, even though the late payment charges are £12.

Thank you I will ring them tomorrow.I don't fancy my chances but it is worth a go. Also, in my previous thread I meant "quashed" not "squashed" lol

Hello, I hope someone can help. I have a credit card with Capital One. About 3 months ago I had a balance of £3.02 which I paid off in full a couple of days late. It was late becuase I was in the process of moving house. I wrote them a letter to inform them of my change of address, but I did not send it by recorded delivery. Last week I received a telephone call from the collections department saying that my balance is £50 all due to late payment charges at £12 each, plus interest and ppi (which they have just decided to charge me). What are my chances of getting the balance squashed?

Thanks Reidnet I will. Happyshopper by name, happyshopper by nature.

Hello, Since the last time i posted on this thread i have been too bogged down in exams and work that I have not gone any further with my claim. The last action I did was just send the lba. Anyway, I received a letter yesterday from Lloyds saying: Thank you for getting in touch again. I am sorry you are still unhappy about your account charges. Then they go on about how their charges are fair, if you think you will go over the limit you should contact us etc. Generally, we don't agree to adjust any of these charges, but I can tell you that on this occasion we are prepared to repay you £339.00 in full and final settlement of your complaint. (My orginal claim was for £350) We will credit this amount within 10 working days. Please treat this letter has a final response. So I will check my bank balance and inform you when I get the money. I thought I was going to have to go all the way with Lloyds TSB as they seem to be the awkward in paying up front, so I'm really pleased. Not sure why only £339.00, maybe the difference is what their actual costs were, so that works out to be £1 per default.

Thank you for your help JustJon. In that case, I don't think I will claim back the debit interest from the bank as I don't think there is much value in it. Today I will send my prelim letter (I have already sent a prelim and lba but without contractural interest) and let you know how I get on.

Hi, I hope you don't mind me using this thread to ask a few questions regarding claiming back contractural interest. I am considering claiming back £350 of bank charges from Lloyds TSB at a authorised overdraft rate of 18.3% (i took this from the website). I have used Mindzai's sheet to calculate it but I would really appreciate it if someone could take a look at it. I have attached the file. I am a bit stuck on the interest paid on penalties section on the "charges and penalties" tab. I have included interest from the days I got the penalties and I have used the bank balance from the last day of the period the interest payments relate to. Is this correct, or should I use an average of balances for the month. Is this section necessary for the claim? Thank you in anticipation. KMBT35020070403163239.pdf

Thanks Michael, I have drafted a second prelim letter requesting my charges back plus contractural interest of 18.3%. Before I do that please can someone check my calculations? I have used a spreadsheet called compoundinterest_v9 but I have not filled in the right hand side of the table, as I am not sure how to. Thank you in anticipation

Hello again, The bank so far has not responded to my LBA so I will file a claim on Monday 26 March when the 14 days is up. I do have a question regarding contractural interest. I read on this website that my first letter and my LBA should not mention interest as I cannot claim this until I got to court. However, is it worth trying to claim contractural interest if it gets to court as it would increase my claim to £599 from £436? And if so, should I have mentioned this in my letters? Thank you

I hope someone can give me advice on this subject. Last September I was struggling with debt and took out a loan to pay all my credit cards. I then cut up all my cards, including my Capital One card after paying all the balances off. However, I had paid too much off my Capital One card which left me £9.34 in credit, which has been on my account until about a month ago. A month ago I found a letter from them which included Capital One cheques. I then used a cheque to pay £9.34 into my account. My balance is now £3.04 as they have charged me £3.00 cheque withdrawal fee and interest. I know it is a small amount but I begrudge paying them anything for money that was mine in the first place. Besides, I have to watch every penny until my loan is paid off. Should I pay the balance? I thought I would write a letter of complaint but I am unsure how to word it.

Thank you for your advice. I will draft the letter today and send it recorded tomorrow. My sister told me about a bank charges television programme last Friday, and she said that the courts are likely to bring in legislation that says the banks will only be allowed to charge a maximum of £12. Does this mean that if the legislation is brought it, then would my claim reduce by £12 by each charge?

Thank you Michael for your reply. I have got a letter back from Lloyds TSB yesterday. It says: Dear Miss xxxxxx, Thank you for getting in touch with us. I am sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to covera payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service. Of course its only fair too, that we're completely open about any charged-for-service before you take them up. That's why we take care to give every new customer the latest guide to our charges. Blah blah blah ... I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges. Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsmen Service for independent advice. If you are happy with the way I have dealt with the way I have dealt with your complaint, there is no need to reply to my letter. If I have not heard back from you by the 23/4/07, I will close my file, though I will be happy to reopen it should you come back at any point afterwards. Yours sincerely Debbie Gilbert Team Manager Customer Services Recovery Centre Advisor. I understand that going over the agreed limit involve some extra work, but does it really cost £30 per day. At one point I was charged £100 for exactly this. I would prefer not to go the court route, so I thought I would write again demanding that they pay £300 (£370 claim less my estimate of their proper charges) or I will take them to court. It sems very unlikely that this will work, but I would like to know what you think.

How do you work out the APR on PPI. The information I have is: Loan amount £3537.54 Monthly repayment £55.89 No. repayments 84 Total amount repayable £4694.76 APR 8.10% Repayments started Feb 06 My sister wants to complain to her bank and claim her PPI asap so an early response would be greatly appreciated. Thank you