Jump to content

Shoe Em

Registered Users

Change your profile picture
  • Posts

    72
  • Joined

  • Last visited

Reputation

7 Neutral
  1. The four charges are from September-December 2005 - does that sound about right to you then? They total £140.
  2. I would like to claim the contractual rate in my store card claim against Argos, but I have come up against rather a huge snag. Either my maths is off (more than likely), or the calculator I used for my interest gave me an inaccurate total as it is scarcely more than the 8% I originally calculated. There is more detail in my thread (linked below) if anyone can clarify things for me I would be very grateful. Many thanks! http://www.consumeractiongroup.co.uk/forum/other-stores/113927-shoe-em-argos-store.html
  3. Holy underestimated interest Batman! I need help!!! I used the interest calculator above & calculated my interest at a rate of 28.7%. I added this figure to my final letter before court & sent it off recorded as per instruction. BUT... Reviewing the paperwork to claim on MCOL this week I noticed a glaring error. My interest calculation at 8% that I worked out at the beginning of this claim gave me £88.40 interest owed. However, the calculated 28.7% gave me an interest total of £111.61 I may be missing the principles involved (forgive me if this is glaringly obvious) but surely just the 28% interest by this calculation would stand at £309.40 by now (ie. three lots of 8% + one lot of 4% by my poor addled brain). 1. Am I losing my marbles? 2. If I'm correct is it too late to revise my request to them before I file with MCOL? Any tips/advice/clear thinking gratefully received
  4. Having just read 90% of a 19 page thread I discovered that none of the links to calculators work so I am here to renew my request for help. I really need to find the CCI calculator - or someone mathematically minded who knows their stuff I am claiming £228.40 if you include the 8%, but for the purposes of CCI the amount I am working with is £140 taken in four payments from 11.07.05 to 11.10.05 (there is lots more to query more recently but since we are still waiting on the information I'm keeping life simple & sticking with what they have acknowledged). If anyone out there can help I would be eternally grateful. Thanks guys!
  5. Okay they have entirely ignored me, & having waited for the post to catch itself back up I'm going to file with MCOL on monday. Can someone now please point me to where I can find the high rate interest calculator? Have warned them that if I did not hear I would be charging them interest at 28.7% as they have charged me. Now I don't know how to do that HELP!!!
  6. Thank you SO much nfi247! That was exactly what I needed, a concise clear explanation. I shall write off today for the CCA (!) & also ask them to provide a translator for all those pesky codes Shall keep this updated as things progress. I knew those statements came back a little too easily
  7. Well the above was supposed to address your previous question but has arrived at the end of your points so let's deal with that... I'm not new to the site, I already had success with Abbey, but I needed answers specific to Argos. If you know what the abbreviations mean I would be very grateful if you would share. As long as these are all reclaimable charges I really don't care to get into the minutiae to be honest; my partner is disabled & they were happy to harass him for the charges so I'd just like to know what is reclaimable & turn the tables From their prompt response I think Argos know they've misbehaved so I'd like to dispense with this as quickly as possible. I don't mean that to sound snotty, I just don't want this to turn into another Abbey-style fiasco if I can help it
  8. No, not sure what you mean by this would help if you did not abbreviate:) I have response to my S.A.R - (Subject Access Request) & pretty much just need to know what their abbreviations mean to be honest!
  9. Exciting summary of the not very much that has happened so far: 06.09.07 I send off S.A.R - (Subject Access Request) 10.09.07 A Mr Shafiq Sunni writes for me to phone him for urgent chat 10.09.07 (same date!) we also receive conveniently blurry printouts And so here we are. Questions questions questions... Does anyone know what Other D.B or Fin Chgs might be? I'm assuming they are both varieties of charge as they have the usual £17.00 & £7.00 type amounts, but they both also contain a couple of really high numbers (over £100) so I'm a little confused. As much as I'd dearly love to claim all of this back I thought I'd better double check first Since I repayed the majority of my account through the infamous Moorcroft I am wondering where I stand on claiming interest. Would like to claim the 27+% that I understand others have successfully claimed but I don't want to make a mistake. Mysteriously these screen shots list no interest at all! So... 1.Is there a link for an interest calculator for the compound interest? 2.Do we know of anywhere I can translate these screenshots? 3.Does anyone know why I would have charges of hundreds of £'s? 4.Could these be the fees of the evil Moorcoft? Would love to hear from anyone with answers, knowledge or happy stories of triumph over Argos. I assume they have charged me interest as a £700 account cost me the best part of £2,000 so I would love to cause them a little twinge of discomfort:p
  10. Shoe Em

    nfi247 v argos

    Hi, I've been reading this with interest as I've just has my Argos 'statements' sent & I'm having a little trouble making head or tail of them. I'm glad to see that you are progressing well. Do you have any idea what Other D.B or Fin Chgs might be? I'm assuming they are both varieties of charge as they have the usual £17.00 & £7.00 type amounts, but they both also contain a couple of really high numbers (over £100) so I'm a little confused. As much as I'd dearly love to claim all of this back I thought I'd better double check first Also since I repayed my account through infamous Moorcroft I am wondering where I stand on claiming interest. Would like to claim the 27+% that I see others claiming but I don't want to make a mistake. About to post my own thread (before any mod states the obvious) but there seemed to be knowledgable folk here so I thought it was worth a shot in the meantime:razz: Thank you! *here is my thread*http://www.consumeractiongroup.co.uk/forum/other-stores/113927-shoe-em-argos-store.html
  11. Thank you kindly Beetlejuice! Unfortunately when we began this we were advised to just claim interest at 8% (I used the advice & interest calculator on the Martin Lewis site), but were I to do this again I would certainly take the higher route, I think there are sufficient precedent now to do so. As a matter of fact I have just sent off an SAR to Argos (store card) & intend to do that very thing Good luck!
  12. Not 100% success actually, not only was our request for wasted time costs turned down, but the court staff actually failed to give all that perfectly prepared paperwork to the judge until two weeks after the event; it was left "on someone's desk". Kicked up a stink, insisted that the court manager approached the judge again as the decision was made based on the fact that the case was closed, she assures me she did but I have my doubts. Rather an annoying end to an otherwise successful experience.
  13. The new one's lovely Bookworm, in fact it matches the stripy picture that's three feet away from me as I speak (type) so not only are you the giver of funky messages but you also coordinate them to the recipient's home... that's pure class
  14. Aha! Thanks for the heads up... Bookworm, I am picturing something suitably glittertastic:p Thank you!
×
×
  • Create New...