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About zubo

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  1. thanks dx... andyorch can you comment please
  2. dx199uk or bankfidder ... any comments or advice please???
  3. Hi all Sent Amex an LBA... they have now completed their review of my complaint and claim that I had signed the agreement so agreed to the terms in them. so ... I have prepared the following POC... I have added to POC others have used ... first by reference to the exception to the statute of limitations ... and then later .. to the claim for restitutional interest... can you please sanity check it and if necessary suggest any change. Particulars of Claim 1. The Claimant entered into an agreement (“The Agreement”) with the Defendant on or around x
  4. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. have to disgree im afraid: if they have used it to offset tax then they no longer have my debt and have not declared it as an asset. need to find out...
  6. agreed dx100uk IF the debt exists if the debt exists then it must be on the balance sheet as a debt .. i want to ask them to prove that the debt does still exist, alternatively to repay me the charges.
  7. I am annoyed that Nationwide last year acknowledged my PPI claim but decided that since the 2002 disputed debt still existed they would setoff the PPI refund. I never responded however while I understand that their claim against me is now out of time the alleged debt still exists ... or does it?? Wikipedia says ... The law thus allows both parties to defer payment until their respective claims have been heard in court. This is partly why setoff was introduced... however if no case will be heard how can they initiate setoff?? Additionally... we are all aware that banks use
  8. Im hoping no replies indicate my modifications are ok... I checked the fees for the claim and this made me pause... although the case seems arguable its not certain the judge would rule in my favour and i can ill afford losing £455 ... so i decided to start a smaller claim against Amex which hopefully will provide me with enough to claim against MBNA... Oh well...
  9. Hi all, would be grateful if anyone can do a sanity check on my LBA as follows thanks Account number john doe Credit Card xxxxxxxxxxxxxx Dear Sir/Madam Letter Before Action I sent you a letter in January regarding unfair charges and the refund I expected from you and received a reply from you rejecting my claim. I have subsequently taken advice and realized that I had made a mistake in the spreadsheet I sent for which I apologize and am sending you the revised spreadsheet and my claim detailed below. Following media reports,
  10. sorry dx100uk... of course … the risks... i have two claims this is the smaller of the two... but with the higher rate of interest just over 6k is this within small claims?? one further small hopefully complication... i have already sent out a demand using standard template and the two ppi spreadsheets ie interest as charged by them then 8% from that point … and that came to almost 1k i think... i got a bog off letter but im going to have to start the next letter with having taken advice I submitted an incorrect spreadsheet... sigh... less haste....
  11. Guys grappling with the interest to charge... looks like all the charges incurred 2.2071% monthly interest... using http://www.stoozing.com/calculator/apr-rate-converter.php to convert to apr non compounded works out at 26.52% wheras compounded is a massive 29.95% questions: which should i use? and any comments or observations please? thanks
  12. Hi all... I have just re-read this thread and I am disturbed by the way I have been hopping in and out of this thread... my sincere apologies... My father suffered a stroke last April and triggered alhzeimers ... he spent the next six months in hospital while I struggled to fight the system for funding for him and find a care home he deserved... he has two weeks ago worsened and although has marginaly improved ... he is close to the end... so its been a tough twelve months and i am mentally and physically exhausted... I recognise that i need to wrk hard researching
  13. dx100uk ... thank you for your thoughts and advice ... really appreciate it. i have over quite a few years been on a number of occasions reading about restitution .. i even bought an excellent book... there is so much case law around it... we all know though that at the end of the day one person in court will decide on how they see the case ... there is no logical predictable outcome... so preparation is key particularly the arguments you present. My current thinking is that the claim in restiution is to recover the unjust enrichment: so if you accept that the bank
  14. DX100UK... I'm not finding any thread where anyone has been successful... but that does not stop me from trying... I simply wanted to have a reason why i was charging restitutional interest. what arguments would you expect them to deny restitutional interest?? What d you think?? any advice would be really really helpful... thanks
  15. Guys slick132 or dx100uk or anyone who can advise.. please give me some guidance.... i really cannot find the interest tutorial... I need to submit a letter before action to mbn for unfair charges but i really need to understand whether i use 29.9% and why this number .. for restitutional interest please help thanks
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