Sorry YB, now sorted.see Natwest '07 restart under Hardship - MoneySavingExpert.com Forums Thanks BJ

Yourbank, tried to post on MSE no joy, registered, I must have done something wrong, you can PM the link if you like. BJ

Any clues anyone, i am looking at the template from the MSE site, does this work has anyone had any experience with reclaiming from Bank under hardship. BJ

Thanks yourbank. Filled in but not filed was on my way today to Court. how does that work. Can you point me to a template letter.? or a good strategy.? Thanks BJ

After a break I am now returning to the fray. My circumstances have changed and I now believe that I am eligible for hardship status, can prove many returns and reduced income.(struggling own business!!). I have downloaded N244 form and will file again. Is there a formatted letter to accompany the form or just file it as is? Any comments on my chances are/is there anyone out there who has had success? BJ

Thanks WendyB BJ Good Luck Paps

Papa, DI = Demonstratable interest the stuff they charged you on the charges at the various rates at the various times, and the CI is the recompense interest for having your money and making money with it which you could not. BJ

Cap One have decided to defend my N1 issued Claim!, they now have 28 days from the 5th/12. Did you claim DI and CI (you say CCI) which was it. BJ

Egg still sticking to guns at £180.00 inc 8% interest. I now discover i was paying PPI (thank heavens the account is closed). I'm going to research this a little more, they still haven't send me my CCA. Time for a more formal request, as it was possibly miss sold as I was working for myself from 2004 onwards. Comments anyone. BJ

Ask me after the 5th December they have until then ho ho! BJ

Basi, No not necessarily, however if it goes to Court you need to have your argument in place, there is plenty more reading on the subject here on this web site under various contractural headings. In precis, and how I have gone about it is.... POC from web site amended to any particular issues you have with the CC. I am claiming 1. Charges 2. Interest the credit card company has charged you on those charges (demonstratable Interest - DI) at their applicable current rates, so you need to look at each statement, as this will change over time and is compounded. and 3. either Contractural Compound Interest un/authorised rate (again various thoughts on this) or S69(8%) as an alternative offer for the judge to decide on the POC. you need to give a brief argument for trying to charge them CCI. If you look at my MBNA thread, it's all discussed fairly well there, with some more knowledgeable others. I currently have one in Court awaiting a defence from CAP one, and MBNA and Capital one are going in next week, Egg are capitulating, but no DI or CCI only offering me 8% so I may take them to court as well. Hope this all helps, regards BJ

Basi New POC at this link unless you've already done it. regards BJ http://www.consumeractiongroup.co.uk/forum/capital-one/117741-new-cap-1-poc.html

Thanks UK, But I linked and posts end at #4! BJ

UK, What other thread, can you link me to it here tried Pap's CP but can't see it DOH! S

PM me and I'll send you Mindzai's it has an APR on the front page. BJ

Is there a new POC for Mint credit Cards? BJ

Elmo, Any news? BJ

At last got my SH 1 T together and sent off N1 with POC. Will keep y'all informed as to progress. BJ ps 1st of four to do this week.

that's just about my figure, might be worth a go, although I'm quite happy to take the B****s to court. more to ponder, thanks BJ......

Well, Egg have offered me £140 in charges and £40 in S69 interest. this is some £180 short of my total including DI and CI. I'm now in a quandry whether to pursue the latter, my account is closed so they will have to send me a cheque. I had said previously that I wouldn't settle a claim unless it was for the full amount, the figures they're talking about do cover the charges and interest at 8% but not the interest they have charged me on the charges! IYKWIM! However Egg apparently don't go to Court and the first Solicitors letter would cost them more than my total Claim!. I'll ponder this evening and report back tomorrow. BJ

Brentford CC have handed down an order that an order to have a stay lifted be dismissed, a reasonable judge deemed that as the test case would be heard in January/Feb 2008 that we wait. I asked that if by March I had heard nothing could I re apply to have the stay lifted again, she didn't seem to think that would be a problem. Oh well more time to concentrate on my myriad of CC claims!! BJ

Steve, I've added. 7 b) the claimant claims compound interest as restitution based on unjust enrichment, in the recent case, in a claim Sempra Metals vs Inland Revenue, it was argued that simple interest is an artificial construct which has no relation to the way money is obtained or turned to account in the real world. The Defendant had the opportunity to turn the money to account in the course of it’s (the defendant’s) normal business, this opportunity was denied the claimant and so the claimant should rightly be compensated on this principle. what do you/anyone think BJ

Although at times it feels that i am on low income, I don't think so I work for myself and am reasonably comfortable two kids and a huge mortgage, hey ho lets see!! BJ

yep, I'm behind with my mortgage payments 1 month and council tax have both statements hopefully this will help do you think or too thin?? BJ

Bump anyone?? Tuesday looms? BJ