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rob14973

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Posts posted by rob14973

  1. Hi

     

    The intrest rate i am claiming for is for 24.9% i am doing my n1 form can i change my schedule of charges to the cash advance rate of 27.9% at this stage. or do i have to re send of anothe LBA.

     

    Also when claiming for contractual intrest how would i list the the value of what im claiming i have had a go?

     

    Charges £xxxxx

    Interest on charges £xxxx

    contractual interest total £xxxx

    Court Costs £xxxxx

     

    Thanks

     

    Rob

  2. Hi

     

    Been a bit delayed filing my mcol. But in the claims of particulars i am struggling what to write in the calculations paragraph. I am not claiming s.69 interest as im claiming interest on the charges and contractual interest on the whole amount daily with an apr 24.9%

     

    Any help would be appreciated

     

    rob

  3. Hi

     

    You can claim contractual interest right from the start of your claim. The s.69 8% interest can only be claimed when submitting a court claim. But you cannot claim both.

     

    you claim the interest on charges from the the day they were levied. As i posted earlier if u use one of vampiress spreadsheets from her chambers it will work the 24.9% at a dialy rate for u.

  4. HI

     

    You need to be claiming for contractual interest at the highest rate of the card( You can find this on statements or phone MBNA) Usually around 24.9%. This will most probably double your claim.

     

    You can use one of vampiress spreadsheets to work the interest out for you.(search vampiress and their is a link in her signature. Vampiress chambers)

     

    At this stage i wouldnt bother phoning i would get on with sending your prelim letter and accept their offer as partial payment.

     

    Rob

  5. Hi Stevie

     

    If you claim contractual interest. you cannot claim the 8% at the mcol stage.

     

    The best way to work out the contractual interest daily at 24.9% APR is to use a spreadsheet from vampiress chambers(search vampiress) using the spreadsheet and the highest rate paid(Ring custome service to find out) on your card will probably double your claim.

     

    Good example is myself claimed for £900 and with contractual interest at 24.9 highest rate. my final claim £2300

     

    If you decide to go down this route you will have to re start your claim.

     

    rob

  6. Hi

     

    I would give the customer advocate office a ring before starting your mcol. If you do this today they will probably settle in full. The number to ring is 01244672628. Just tell them that you have filed LBA for charges and the 14 day deadline has now passed and im now going issue a court claim.

     

    Many people have done this and they have paid up including myself. Its worth a try and you have nothing to lose.

     

    Rob

  7. Hi Loli

     

    If you have sent the prelim and they have offered 40% you need to accept this as a partial payment and then send the LBA. At the begining of your LBA you might want to put in this paragraph.

     

    Thank you for your letter dated xxxx I accept your offer of a refund of charges totalling ££££ on the understanding as a partial settlement towards my claim. I intend to continue with my claim against you for the remainder of charges added to my account between the date xxxx and xxxx.

     

    If you have already sent a LBA then i would give them a phone call at the customer advocate office where they will more than likely pay u in full

     

    rob

  8. HI

     

    The percentage rate varies from card to card. The best thing to do would be to phone up MBNA customer services and ask them for the highest rate u have paid.(24.9 is a popular rate.)

     

    If u have £2000 in charges you will pretty much double that figure if u add contractual interest which can be claimed from the begining of your claim.

     

    Look up vampiress and in her signature is a link to vampiress chambers this will give u a range of spreadsheets so just choose one which suits u.

     

    The interest your talking about is the s.69 interest which is added when filing a mcol. This interest is only 8% and as Mbna normally pay out at teh LBA stage this interest does not come into play.

     

    Rob

  9. Hi

     

    Looking at this post it sounds to me yvonne is very reasonable, but is she?

     

    She was quick to settle a claim £675 Did this include contractual interest?

     

    If not she probably just done her job and saved MBNA alot of money.

     

    Remember claiming contractual interest on charges may double your claim.(This is money they have already added to your charges and to your account)

     

    Rob

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