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ngozika77

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  1. Keep at it! I just got back over £7700 from them. Took 6months though.....
  2. phone calls, letters...mainly the phonecalls........
  3. harassment as in phone calls throughout the day, letters etc but its the phone calls really...
  4. Hi My mum took on MBNA and got back her bank charges but MBNA has decided to defend the harassment charge of £300 that she had levied against them. Does anyone have experience of winning harassment charges back from MBNA? Will they wait till the last minute before having a change of heart? Any feedback would be appreciated... Ngozika77
  5. Hi My mum took on Barclaycard and got back her bank charges but Barclaycard has decided to defend the harassment charge of £300 that she had levied against them. Does anyone have experience of winning harassment charges back from Barclaycard? Will they wait till the last minute before having a change of heart? Any feedback would be appreciated... Ngozika77
  6. Hello "Hellhasnofury" Thanks for your reply. It was very informative. I will be following it up on Tuesday when I am off work. As for the Insurance company, I am not sure but will dig through all my paperwork and find out. I'll keep you informed. Ngozika77
  7. I bought my house 4years ago using this company. The person who arranged the mortgage has since gone broke and is on the run (!). Can I claim back my PPI at all? If so, who do I write to to get it back? Any help will be appreciated ! Thanks
  8. Hello dx100uk et al Thankyou for your quick response. You have helped to clarify things. I spent absolutely hours on this yesterday. I'll return to it tonight now that I'm a bit clearer..... Thanks! Ngozika77
  9. Please forgive my stupidity but I am looking for a definitive answer to the calculating and claiming contractual interest. I would really appreciate help on the following queries.. Today I have spent hours trawling through the forums and am now totally confused. I tried the spreadsheets and had #error or #value everywhere so I gave up! 1. I want to calculate it by hand now as I am now at my wits end. Does anybody know the formula and can you put an example down in REALLY simple terms and steps? 2. What is the difference between Contractual Interest and Compounded Interest? 3. My APR for Capital One is 26.79% but I have seen this figure manipulated to get something else? 4. I sent a letter to Barclays demanding fees back for approx £300 and they gave me approx £270 back. I had applied 8% statutory interest on this application. I now want to go back and calculate the contractual interest and work out the difference between this and what they gave me and ask for this instead. Is it too late? I am so baffled ...Please help....! Ngozika77
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