jubaxt
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Everything posted by jubaxt
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bump:lol:
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hi -i understand about claiming standard 8% interest when you get as far as a court claim-but i keep hearing compound and contractual interest-i know contractual is the rate you put in your spreadsheet if you want to claim this instead and that it must be clarified in your prelim-but what is compound interest please
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jubaxt v cooperative-here we go-fingers crossed
jubaxt replied to jubaxt's topic in Cooperative Bank
bump -
these banks are so manipulative and threatening-i'm glad to be a profession that helps the public and not a bank employee-how embarrassing
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congrats-well done
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got my statements on 38th day.-prelim now gone but have had default letter in meantime telling me i need to pay £750 to bring overdraft within limit by june 28th-i'm claiming £4987.5- stinks!!!!!!!!!!!!!!!!!!!!!
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hi-i have 1060 owed from crap 1 going back to 2002-find excel bank sheet really easy to use but i gather i can't use it for credit card-tried 13 and 16 in chambers but absolutely bamboozled-dont know what i'm doing-is it not at all poss to use excel sheet and to put in 34.9 as %
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jubaxt v cap 1-advice please ** WON **
jubaxt replied to jubaxt's topic in Other Institutions Successes
just wondered-what charges can i claim for from cap 1-on my statements i have-overlimit fee, late payment fee, returned cheque fee, direct debit returned fee, -thanks-ju -
thanks for the help
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do i just include it in with the charges or seperately-ie if i have £130 in direct debit fees do i just claim £140
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hi all-sussed the main bits on mcol but just wondered-do i add sar fee in with charges or do i not include it at this stage
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jubaxt v cooperative-here we go-fingers crossed
jubaxt replied to jubaxt's topic in Cooperative Bank
yawnnnnnnnnn-still nothing from coop and recorded delivery lba has not been signed-next step?-do i proceed with mcol or should i send another lba-how can i prove they received the original? don't want to end up with egg on face -
Just wondered if any one has won since judge butler messed things up
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hi-just looked at mcol form-wondered -i'm a bit confused about the blue text-i thought i wrote in the amount oof charges i'm claiming back-5a. then the amount the 8% interest comes to5b followed by the daily rate. but then i got confused-what does the bit mean where it states for guidance only-am i thick?
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jubaxt v cooperative-here we go-fingers crossed
jubaxt replied to jubaxt's topic in Cooperative Bank
hi-just been looking at mcol temolate-confused-it all makes sense except where is states not to incluse the blue bit in your claim????-i am claiming £4950 +(at the MO) about £700 which will be the 8% interest. do i write in-return of the amounts debited of £4950;Interest per S.69 county courts act 1984 0f 8 %-£700 continuing at 8%...........-cant understand why its in blue and not red-am i dense? -
Halifax unclaimed bank charges. ** WON**
jubaxt replied to Lisa_martin's topic in Halifax and IF successes
did you sent your letter recorded delivery? -
sar still not signed for and royal mail wont consider it lost til 15 working days after posting which leaves me til 22nd may-cant find out whether postal order was cashed either-aaaaaaaaaaaaaaaaaghhhhhhhhhhhhhh
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jubaxt v cooperative-here we go-fingers crossed
jubaxt replied to jubaxt's topic in Cooperative Bank
a little concerned-sent lba to coop at balloon st on 4th may-checked with royal mail-surprised!-no record of delivery as yet. concerned as my prelim was also sent recorded but arrived the day after posting-am i back to square one? -
did the judge seem bias-maybe he IS a shareholder-!!?? did he seem to have his marbles?-are you sure you didnt hear any rolling on the floor he is either barking mad or VERY brave to count in the banks favour-surely
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Itsme VS Welcome Finance
jubaxt replied to itsmeandonlyme's topic in Payment Protection Insurance (PPI)
hi-i'm having probs with this co too-got £1285 added to loan for ppi but this policy was never activated-also had £380 charges added -spoken with acting branch manager today-threatened to take them for ppi,charges and cci-phone went silent-leave it with me he replies-ok said i -you've got til 25th-then i'm sending prelim!!!!!!!!!-oooooooooohhhhhhhhhhh-i'm not usually that confident but.... -
spoken with acting branch manager today-i was right-the ppi was cancelled at loan onset but never deducted from my running total. what would you like me to do?-asked the branch manager wipe off all the charges and the ppi and we're talking-you've got til may 25th before prelim goes and i will pursue cc1 at ur favourable rate of 25.3%apr-replies i-watch this space:)
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in a rut here-if i take them back to march 2002 i can claim £4982 which sits nicely in the small claims bracket-if i go to the full 6 years it will probably be about £6000
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just wondered-have sent non compliance letter as they have missed some transactions/charges and 40 days are up-is it too late to ask for all banking history rather than 6 years which is what i originally requested?
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jubaxt v aqua(halifax cards)-advice please
jubaxt replied to jubaxt's topic in Halifax Bank and Bank of Scotland
no-not as yet-when i called 1st credit a couple of weeks ago they said they were acting on aquas behalf but didnt actually own the debt!?? -
jubaxt v aqua(halifax cards)-advice please
jubaxt replied to jubaxt's topic in Halifax Bank and Bank of Scotland
hi-phoned 1st credit last week to tell them i had sent S.A.R - (Subject Access Request) to aqua-low and behold-have received a letter from 1st credit today saying they're going to start court action
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