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mattemotion

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About mattemotion

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  1. Hi GuidoT, Good to hear from you. How does it work with regard to credit card charges? Presumably this may work the same way. What do you think? Matt
  2. Hi everybody, Just dusting the mothballs off my case files. If the OFT end up telling the banks that a fair charge is say £15, how will this effect my claim? Am I still entitled to all the charges I'm claiming or just the difference between what they should have charged and what they actually charged (plus interest, of course)? Trying not to allow myself to smile! Matt
  3. Hi Fzrkitten, How you doin'? First day of the trial today, any idea how to find out what happened? Matt
  4. Hellooo! Hellooo! Hellooo! Echoes a bit in here now doesn't it. Fzr, yours was the first I've heard from this site in weeks! Bet the banks are luvin it. Matt
  5. Thanks, feel a little better. Thanks also for the CI guide. I was never quite sure whether I had claimed it or not. Very much clearer now. I hadn't. I'd better start claiming against the cards now, incase I need the money to pay LTSB.
  6. When I claimed against LTSB, I just claimed for the charges plus o/d interest, then added the stat 8% when it got to court. When it came to almost £7,500 b4 the 8%, I thought great! It never really occured to me 1) that I might loose and 2) that I could end up having to pay the othersides costs. I wish now, I'd known about splitting the claim, but it all seemed so straight forward. With the cards, I guess I claim the late payment charges plus the interest on those charges at what ever rate interested has been charged, on the basis that I just want what they've taken plus the interest on w
  7. Jeez I'm busy enough as it is, trying to earn a crust! But the SAR's are pretty easy so I'd best get on with it. Cheers, Matt
  8. Hi Slick, I went for the biggest one first. At the time it all sounded so simple, so I thought I'd get that one out of the way first then go after the others later. Presumably, I have to go down the SAR route and give them 40 days to provide the information as before. But even though they have reduced their charges to £12, I still claim for all of it? Sounds like I've been wasting a bit of time. Matt
  9. Hi Slick, From what you say, I've gone for the wrong account. I've got a Cap 1 credit card, a M&S &more credit card and a GE Capital (Debenhams) store card, all of which have had late payment charges for several years. Are you saying that it would be far simpler to go after these? Matt
  10. Sorry Shey, for hijacking your site for a bit. Slick, Do you really think the OFT case will be good for us? I put a similar question to GuidoT on my thread, you could come back to me on that if you would prefer and then we can leave poor Shey alone. Matt
  11. Slick, No offence taken. I'm probably nursing my bruised ego. At least that's what my wife would say! I do feel that, if there is no hope of getting it lifted and the decision is made before we even get to court, I'd rather know before hand, so that I don't end up wasting hours and hours putting together bundles and rehearsing arguments. I feel like sending a bill to the courts for wasting my time! You can tell I'm still a bit raw. Matt
  12. Hi GuidoT, Perhaps you could clarify something for me. If the result of the OFT case finds the the banks have been over charging us and suggests that a fair price would be say £10 for a stopped ddm, instead of £35. Or the OFT agrees to drop the case if the banks reduce their charges to an acceptable level, where would this leave us? Would we just claim back the 'over payment' plus interest? Personally, I don't think the OFT case will find that the charges are unlawful, aren't they only interested in deciding if they are fair and reasonable? Let me know what your though
  13. HI Shey, Great write-up, shame you weren't given the oportunity to speak on the day, I'm sure you would have done a lot better than I did. Still feel we were totally ambushed. I'd forgotten that they kept getting my name wrong! Maybe it was 'Michael' who got his application chucked out, or maybe they were just taking the 'Micky'! Slick, I don't think either of us got 'our money's worth'. What we got wasn't worth the cost of the stamp we used to send in our applications. I would happily pay £65 not to go to court and be patronised and humiliated by a judge who couldn't wait to ch
  14. Hi Shey, Yes it was very intimidating. I was told, when I phoned the court last week, that it would be informal and held in in chambers, that the judge would be really nice. What utter rubbish! I don't know about you, but I definately felt like the accused. The judge seemed to think that we had called for the hearing and that we were wasting the courts time, I think that's why he gave us such a hard time, but at least I had the chance to put him right on that! I felt really sorry for you, you hardly got to speak at all. It certainly wasn't a fair hearing. I'm not just disappoint
  15. Hi Shey Thanks for the message of support. By now we both know the result. Love your bit about 'I hope they are easy on us!!' Looking back, I'd have to say wishful thinking. For those who may be interested read this... What a pointless exercise today was. Shey and I were both up together, before a Circuit Judge. Shey's Barclays barrister seemed very professional and organised. Mine for Lloyds, who had come up from London to Norwich, was anything but. When I met him out side the court, he first thought he was there to ask for a stay, I told him it was actually to argue for the st
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