I have received a letter from CapQuest and Abbey myself dated 14th July and I am in the same position as you so when I saw your post I was relieved when I saw the replies as I did not know how to proceed.

Has anyone taken virgin media to small claims court to reclaim late payment charges to force them to pay up and if so, how far on did they decide to pay up or do they acutally show up on the court date

Hi, I so not have a credit Agreement the payments were for a Peace of Mind Plan that was mis-sold to me over the phone I thought that I would somehow benefit from it if I could not make payments towards my balance after I fell into difficulties I was cancelled it. The payments were just added to the account I don't know how shoe tailor worked it out but I would just pay amount that I would have to pay on my catalogue payments each month. I did not receive any info about the plan until I started asking them to return the funds which they deny mis-selling after they sent me a POMP script that they said would have been used back in 1999. I did not know what it was until I received my S.A.R - (Subject Access Request) and the statements do not go back to 1999 so I can make a list of the payments on the spreadsheet but it states 660.68 was paid.

I wish to take Shoetailor to court for ppi misselling and I am not sure how to work out the interest charged on the PPI from the SAR I can see that they have taken 660.85 in payments but do not have all statements to work this out it my account started in 1999 and i cancelled in 2003 as I could no longer afford it. Is there a way I can work it out by X the amount to work out the interest? Do I charge 8% or 39.6% their rate? PLEASE HELP!

The balance on my account was £534.43 I filed in court for charges of £450.68 this was money already taken I requested CCA but received a blank one. After such long ado i decided to file in court as they kept chasing the debt and applying more charges although the account was in dispute I have the Allocation Questionnaire to hand in before the 19th March so that is why I am asking for help with this as they have offered £550.00 to settle but I don't want to sign the form and then they ask for the the additional sums oustanding on the account which are made of fees and intrest at their rate. I was thinking of asking them to confirm in writing that the debt will be closed for the settlement figure

I have filed a claim for admin and interest charges against Shoe Tailor at court for £450.68 they have offered to settle for £550.00. The thing is the original debt with them was £534.43. I have requested a CCA and have also tried requesting return of POMP as this was mis-sold (currently been looked into by FOS) but they would not budge. My problem is the the debt has now risen to £852.35. with interest and late payment fees . I want to sign the settlement offer for the 550. but i do not want them to ask me to pay the further 302.35 as the original balance was 534.43. Is there a letter available that I can use or can i get some help please.

I am trying to claim back penalty charges and POMP payments from shoetailor in court as they have brushed me off when I asked them to refund them. I do not know how to work out the interest I know on their site it says their APR is 39.6% but I don't know if I should work it out at 8% or 39.6% (been with them since 1999) neither can I find a calculator that does

I have recently received Abbey's defence as i have filed for 479.67 of charges to be refunded to my account. They have requested that i return the card and cheques and I have. I have asked for the charges to be returned since March 07 and they have just built up with interest. My overdraft was 550.00 and my current balance is 956.56. The debt of 956.56 has been passed to Equidebt. How much would I have to repay to the DCA?

THANKS!!!! I'll do that

I received a from Equidebt Limited stating that there is an outstanding balance of 956.56 owed to Abbey for Monies due under an ageement in writing and i must pay this in full to Equidebt Limited by 23rd July 2007. my overdraft is 550.00 I currently have a court date for 7th August 2007 against Abbey for penalty charges of 261.22 Another claim issued for 483.28 on 29th June 07. Notice Pursuant to S.10 of The Data Protection Act 1998 sent to Abbey also on 24th June 2007. Could someone please advise me how to proceed with this matter? THANKING YOU IN ADVANCE

Hi, can someone please provide me with a link to the OFT Statement Summary as i cannot find which one I need for my court bundle, I just noticed that I am in the wrong section can somone please move to the appropriate section, Thanks

I am putting together my court bundle and have also downloaded the information from this site, do I send these to the Solicitor and Court or is it just for my ref? Relevant Case law summary Early motion from House of Parliament Dunlop v New Garage UTCCR 1999 UCTA 1977 Soga Oft Statement Summary Any help is much appreciated, Thanks

THANKS, Michael for your reply I do not have excel and the open office opens in read only. I tried typing in the excel on and it does't work out the days lapsed and interest

Hi, I am new to the forum and i am filing my claim for bank charges in court this week but i am not good with figures and would like to know if there is an interest calculator that i can use, Thanks