Whoah that cant be right I put the interest in and the spreadsheet is saying that my £638 charges are now worth £1,700.56 !!!! Thats gotta be wrong hasn't it. The 8% interest is coming in at £824.37

just looked at my latest statement and it shows that my cash withdrawal interest is 2.070 and my purchase interest is 2.137 which apr do i use in the spreadsheet ?

Does anyone know the interest rate that I should use or do I phone Cap 1 ??

Cheers paintball, how do I work out my APR and this sheet says its for bank accounts and not credit cards ???? Is that right Sorry for being a pain

Maybe I need a punch bag

I understand that but it just is to confusing I haven't got a clue how to work the interest out and don't know where to start. I work full time on shifts and rarely get anytime to myself and dont particulary want to sit down and get stressed out over this. Is it just a case of putting the figures into a spreadsheet ? i'm sure I could work that out. It's just when I start going through the threads I just get lost and stressed. :???: :mad:

enaid... I'm with you this interest thing is getting confusing, plus I think they will tend to settle for the £626 quicker than the amount plus interest.

Lol yeah I think i'll go for the 8% Anyway what is the 34% for and is that the exact figure (is it 34%) I would appreciate if you can link to the spreadsheets.

Right i've done my schedule of charges, and I've been seeing in other threads people have been claiming back interest. Can I claim interest and if so which one the 8% or the 34%. Plus how the hell do you work it out.:-| Thanks in advance

Cheers thanks mate

Received my statements in the post from Capital One and worked out they owe me £626 in the last six years not bad for a £200 limit !!! Does anyone know the address I send the preliminary approach for repayment letter to ?

Today is the day I decided to reclaim all my charges that have been applied to all my credit account's that I have had in the last six years. This thread will be regarding how my process goes with Barclaycard. Day 1 Phone Barclaycard and spoke to a lady called Sarah. She provided me with the address of : Barclaycard House PO BOX 5592 Northampton NN4 1ZY I have filled out the standard Data Protection Act letter and will be sending it to them tomorrow (18/04/07) via recorded delievery. The waiting game begins.

Today is the day I decided to reclaim all my charges that have been applied to all my credit account's that I have had in the last six years. This thread will be regarding how my process goes with Capital One Credit Card. Day 1 Filled out Data Protection Act Form and have obtained an address of : Legal Compliance Specialist Capital One Bank (Europe) plc Trent House Station Street Nottingham NG2 3HX I will be sending the letter via recorded delivery tomorrow (18/04/07) The waiting game begins

Today is the day I decided to reclaim all my charges that have been applied to all my credit account's that I have had in the last six years. This thread will be regarding how my process goes with Virgin Credit Card AKA MBNA. Day 1 Phone Virgin and spoke to a helpful chap called Scott. I asked what the address was for the Data protection form act to be sent to. He provided me with : Bank Compliance Managers MBNA EUROPE BANK LIMITED PO BOX 1004 CHESTER BUSINESS PARK WREXHAM ROAD CHESTER CH49WW I have filled out the standard type letter found on this site and will be posting it off tomorrow (18/04/07) via recorded delivery. The process begins

Today is the day I decided to take action for all them nasty charges that I have paid on my two bank accounts that I have held with Barclays for over six years. I imagine the amount that I have been "fined" is running into the 000's as I used to be self employed. I will post updates here with how I get on throughout the process. Day 1 Phoned Barclays and spoke to a helpful lady called Amy. I asked that I could have all statements for both accounts running back six years. She told me that she would go back to January 2001 to make sure I got everything covered. I asked if there was a fee and she told me that as I was disputing bank charges she would waiver the fee !! (which would normally be £5 per account) She said the only downside is that it should normally take 6 days for my request to come through but as of recent demand has shot through the roof it could take up to three weeks !!! The waiting game begins