not sure about the interest thing, i have added interest on from day one the charges occured is this correct and what is the chance of them actually repaying it. i have also requested a CCA from them on the 8th of August and have had nothing back from them regarding this.

some help on what to do next would be welcomed

some help on what to do next would be welcomed

bump again help please

bump again help please

bump anyone

bump

14 days have now passed, so I believe am I to send a LBA to them. I have also received a copy or my application back, which in fact is a 60second application. the terms are conditions are indeed 2007 lol there is no signature in the Authorised American Express Signature Box or date. Hold on a min, just had a thought I actaully ask for CCA request and have received a copy of a 60 second application, am I right in thinking this is not my CCA agreement. what I what to try and do is get them to remove the defaulted entry on my credit reference with experian. help on this would be most welcomed also when I asked for S.A.R. they only sent then statements and information on it being sent to a DCA , is this right and should they in fact of sent that to me too. I am starting to think there have been a number of breachs here

bump again help anyone for address

here we go, I have had a response today from Cap One offering me £340 and a further £30 as an acknowledgment of interest. they also stated that i signed a credit crad agreement which I agreed to the terms and conditions. I am actually claiming £964 in charges and £752.77 in interest. what should i do, should i wait for my CCA request to be returned then reply, or what

Hi Becca, just been pointed in your direction and was wondering if you could give me your thoughts on this. Hi I have mortgage with Stroud and Swindon and I believe Amicus Legal Ltd handled the legal expenses side of things. I lost my job 2 years ago, might add it was unfair dismissal. I selected a solicitor to handle my case based close to home. anyway the case took a while to get to court. on reviewing my household insurance it turned out that I have legal expense cover, which covered me for this kind of thing. i had a couple of weeks to go before my court date, so I contacted them to see if they would be prepared to cover my legal costs. I was told that I would infact have to sack my solicitor who was acting for me and use one of the solicitors on their panel. I explained that I wouldnt be able to do that as the closeness of the court date. they asked me how much it was probably going to cost for my solicitor. I informaed them that it was going to cost in the region of about £10,000.00. They said that if i was to use one of there solicitors they would cover the cost and it shouldnt be more than £2000.00 in any case. I wasnt sure how they could say that as they didnt know the complexity of the case. Anyway to cut a long story short as they say. I carried on using my legal team and was sent a cheque for £2000.00 towards the costs, meaning I had to pay the other £8,000.00. what I suppose I really need to know is, are these people total cowboys and should they infact of coved the whole cost. If this is so, do I have some kind of case to recover the rest of my money, if so, how do I go about it. Helllllllllpppppppp please

I sent my request for repayment of charges on the the 31/07 and have just received a letter basically telling me to bog off and that there charges are indeed fair. what should i do. helppppppppppp

Please, anyone help me out with address need to send SAR to them

Azure I have the same problem as yourself with the RBS Mastercard can I please ask what address you sent your S.A.R. - Subject Access Request too cheers

bump

Hi all, just about to pursue the Royal Bank of Scotland MasterCard for my charges and interest and hopefully Card Protection too as looks like some of the costs for Card protection are £20 per month. I only have a few statements I can Lay my hands on, The address I have on the statements is; Credit Card Centre 200 Priory Cresent Southend-on-Sea SS99 9EE does anyone know if this is the correct address to send my S.A.R. - Subject Access Request and CCA too, if not, please can someone advise

please can you tell me where to find this

just got my statements sent through from Amex and they have sent my £10 postal order back. they say they have supplied them free of charge as a gesture of good will. But have sent me a form to fill in if i want full disclose. makes me think, what exactly is missing, the statements only go back to 2000, but i thought i had the card well before that.

does anyone know where i can find an APR calculator please i have my monthly interest rate of 1.680

bump help please

personally I would delete that photo and remove your personal details and then post it on photobucket again

can i ask, did you actually claim for purchase interest and stat int just about to send my prelim letter off and not sure what to be claiming for

help, confused here a bit about compound contractual interest and interest in general I am about to send off my prelim letter and and wondering about the interest to charge them. I really am confused, I have used vamps template 13 and entered the interest as 34.9%, is this correct and will capital one pay it . whats all the 8% thing i keep reading about. or am i right in thinking they will only repay the original charges and no interest. comments please

is it possible to request to see both. if so, do you have to £1.00 for each helppppppp please

is this correct address to send S.A.R. - Subject Access Request and CCA letters too CAHOOT Friars House PO Box 1981 Coventry CV1 2ZD