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Hi Thanks everyone----as soon as I receive the monies I will make a donation----without your help I could never have done it!!!! I am SO happy!!! xx

Hi Following on to my post below I just wanted to say a HUGE THANKS TO EVERYONE for their help----this morning I received the long awaited reply----I HAVE WON!!! They are going to refund the whole amount of £891.88. They have stated that they have added £312 to this months statement(which i havent yet received) and that once I sign the enclosed form the remainder will be added. So as soon as I receive the statement I will be signing the form and getting it back to them!!!! Of course, the have stated, that is all done purely as a matter of goodwill------LOL!!!! What a result----and all thanks to everyone on here. As soon as I get the refund I will be making a donation to this site xxxxx

Hi Jonni Thanks for your help. I have rung the Court this morning----the lady said that initially they had 14 days which took them to the 20th but they have now got that extended to 28 days so that takes it to the 4th of July. I will keep the post updated. Thanks again for your help x

Hi Well I submitted my claim on the 31st May and I am still waiting!! Should I have heard by now do you think? Thanks xx

Thanks Jonni for your reply---I will just sit tight!! I have received a letter from Capital One today offering me £312 which they are going to add on to my June statement!!This is, apparently, the difference between the £20 fee which they charge and the £12 that the OFT recommend!!!! Getting closer LOL!!!!!! xx

Hi Just to say I have received a "Notice that Acknowledgement of Service has been filed".It is signed by Wendy Star and it states that they intend to defend all the claim. This was signed June 5th. Can you advise what I need to do now? Am I right in thinking I just wait and see what happens now(fingers crossed they will pay up!!!) Thanks xx

Hi I have received a letter from Northampton County Court today stating that my claim was issued on 1st June and it will be deemed to be served on the 6th June.Capital One has until the 20th June to reply------so fingers crossed Thanks xxx

Thanks Tinkerbelle----I will do that now!! Well done with your claim----I am really pleased for you xx Fingers crossed I can get a good result too!! xx

Hi I have been trying to post details on the litigation bit re my claim but it wont allow me access!!! Anyone know why? Thanks xx

Hi again Just to say I have submitted it!!! Thanks for everyones help xxxx

Hi Thanks! I had actually clicked yes on the interest one but just wanted to double check it was the right answer! Thanks again----I may get it finished by dark LOL xxx

Hi I am halfway through filling the Court form in. Could someone please advise which box i tick underneath the claim bit. It reads: Does the claim include any issues under the Human Rights Act 1998 yes/no Also Do you want to reserve the right to claim interest yes/no Thanks for any help xx

Hi Many thanks---you have been a great help xx

Hi I cannot access the spreadsheet so a poster kindly helped me. I forwarded her all the dates etc of overlimit fees and charges(plus dates) and she worked the figure out at £93.88. Thanks again for helping me x

Hi Thanks again. I am claiming £718 plus interest of £93.88. Do I just work the daily interest out on the £718 excluding the interest? Many Thanks xx

Thanks Barracad---Can I just ask do I include the Court fee in the amount I am claiming when working out the daily interest rate or is it just the whole amount that Capital One owe me in charges plus interest? Thanks for your help xx

Hi Well I have got my £80 waiting in the bank to pay the Court fee and the claim has been written. I couldnt open any of the spreadsheets so a lady on here kindly worked out the interest for me(many many thanks!!) but I still need to work out the daily interest. I found the formula the other day and worked it out at £0.14 but I cant find it anywhere now just to double check!! Could someone please help me so that I can submit my claim today. Many thanks to everyone on here xxx

Hi Well done Tinkerbelle----I am submitting my Court claim today!!! Hope I do as well as you !! Take care xx

Hi Jon Thanks for your helpful reply---I will get that letter written tonight and posted out tomorrow recorded delivery. I have found the spreadsheet-----many thanks. I will keep the thread updated. x

Hi Well tomorrow I will have the £80 court fees and I am going to file my claim. I have read the Guide to Moneyclaim but cant find the spreadsheet to work out the interest.Another poster has kindly worked it out for me on the excel but I just noted there was one available if you dont have excel.Can anyone help me find it? Maybe I am not looking in the right places. Also I am now well over my limit with Capital One and dont have the monies to pay the balance owing for this month----obviously due to their ridiculous charges over the years!! Shall I try and make them a payment this month? Not sure what to do ? They phoned me a few times last week but I was out----I havent had any calls this week as yet! Thanks xx

Thanks----will try that xx

Hi again I have just been to try and open one of the spreadsheets and it wont let me open it!! Any ideas please as to how else i can work out my interest(maths is not my strong point!!). Just wondered if I am doing something wrong Thanks x

Thanks Jon I will read through look through it all again tomorrow--------couldnt find the spreadsheet today but will have tomorrow afternoon free to search. Thanks x

Hi I have been reading through the FAQ questions re making my claim through the Court. My 14 days are up next Tuesday and I will be applying then----in the meantime I am reading all the questions etc so I know what I am doing. Can I just ask----how exactly do I work the interest out? My claim dates back to March 2002 up until April 2006-------it is for £660(that is taking off the £40 they have given me back!!)----and I work the daily interest rate out using the formula provided as £0.1452. I am not sure how to work out exactly what interest is owing. Thanks for any help x