I have just takes longer. They will try and pretend that they only have info going back so far but its all on microfiche. Go for it!

Ok midge, I will apply to MCOl and see what happens. Anyone else just confirm the answer?

Yes request to start of banking history.

Hi, About to file claim against Natwest. Shall I do 2 seperate claims on MCOL for 4K each so I am in small claims. Or just register for full amount on MCOL? Help very much appreciated. Brian

Thanks folks. I have sent first letter requesting monies in 14 days. I will keep you both posted.

Hi folks. Friend has an old business account with Natwest. Sole Trader. I have calculated he is owed £20K inc interest. Anyone got any ideas on this. Going to send standard letters but dont expect to hear anything. I need advice for when I process claim with MCOL. Help!

I personally would wait for the information relating to previous 9 years, and claim for the total amount regardless of it being over £5K. Good luck.

Congrats Bongo youre the man!

Hi, Borrowing rate up to £15000 is 9%. Excess over this is 29.5% Would it be advisable to go for compounded contractual rate of 20% (difference between above figures)?? I am aware I cannot claim for arrangement fees BUT, Every month - my statement will say for example:- Interest 86.59 Excess Borrowing 31.50 (9 days at 3.50) Account Charges 92.10 Do I claim for all these? And wait for the breakdowns when i go to court? Brian

Please could you answer my excel query? http://www.consumeractiongroup.co.uk/forum/capital-one/98319-help-excel-cc-speadsheet.html Not getting any joy. All the basic spreadsheets are filled in as examples. Trying to claim contractual interest for credit card. Any ideas where to find example one already completed? Thanks again

Thanks Parkvale. Youre a star!

Nobody has answered back to me in the right forum?!! Any ideas.

Spreadsheets: Downloadable Simple & Contractual CAG Ive tried to find some completed here but link is closed down. I basically want to see a finished article. Then I would like to know how to work out the contractual interest rate? Appreciate any help

I have looked through my business statements and there is one charge taken each month, and also I have been charged several facility fees. Can anyone tell me if I can claim for both these? Or do I need to write to them for a breakdown? HELP!

I have looked through my business statements and there is one charge taken each month, and also I have been charged several facility fees. Can anyone tell me if I can claim for both these? Or do I need to write to them for a breakdown? HELP!

Thanks matey.

Im sorry if everybody is getting confused. I have been offered full amount including interest and fees. I have signed my acceptance letter and sent back. And still I get a defence letter!

Natwest are offering the full amount including court fee refund. Paragraph 1 says: This defence is filed and served without prejudice to the defendents case that the particulars of the claim do not disclose reasonsable grounds for bringing a claim against the defendent to recover the bank charges (and interest thereon) referred to in the Particulars of the claim or any other sum(s). In the event that the claim is not properly particularised then the defendent will apply to strike out the claim and/or for summary judgment in respect of the same. ??????????

Hi everyone! I completed a claim online with MCOL. I received a letter from Natwest on 29/05/07 informing me they would pay the full amount I was claiming for without admission or liability. All I had to do was sign forms and money would be credited to my account. I have received a CPR18 letter today (20/6/07) from Cobbetts saying they intend to defend! Anyone help?

Spreadsheets: Downloadable Simple & Contractual CAG Ive tried to find some completed here but link is closed down. I basically want to see a finished article. Then I would like to know how to work out the contractual interest rate? Appreciate any help

Can anybody email me a finished example - or find one on CAG? Obviously without personal data information? Please help.

Anybody got any example contractual interest spreadsheets I can look at?

When I put minus figure in an error message comes up! Is there any example spreadsheets anywhere on this site for me to see how they were completed?

Please help - sorry to be thick. Would somebody give me an example of how to fill in sections on the spreadsheet properly? Trying to claim contractual interest. Statement Balance Amount Paid (see notes) Remaining Balance e.g Statement 22/08/03 says balance of 4450.01 Paid out 815.37 Paid in 138.16 Thanks

I will use same apr then - thanks for your help