Hi

Im just filling mainzai speadsheet do i add the retail and cash advance interest together?

Rob

Cheers glen

On vampiress spreadsheet it says not for credit cards?

Rob

hI

Sorry for sounding thick but i have been offered a partial payment by mbna. I am now going to send a prelim request for my charges and contractual interest and also compound interest.

Questions

Will the contractual interest on my card be 16.9%. If not how do i find this out.(i have a list of charges for six years but only statements for last two years)

Once i know the contractual rate do i just add the percent onto the total charges?

When i working out the percentage for my compound interest do i multiply my monthly cash rate of 1,7366 by 12 = 20.8%

If this is correct

Hi

Received last six years statements this morning plus a letter offering me £500 as a goodwill payment and a final settlement of the complaint.

Ok im going to do my prelim letter now accepting the payment as a partial payment only.

Can someone tell me what the compund rate of interest would be so i can send this on top of my charges.

Thanks

Rob

Hi Emily

Write to the address above but address it to Stephen Baily Head of customer advocate office.

Rob

Hi

Quick update

Response from Mbna this morning saying my complaint is been looked into and should recieve a full response by November the 1st.

Thnks Rob

Hi

Al thanks for the advice. I send everything recorded post anyway and will be claiming it back if we go to court.

Cheers mate

Hi

After my second get lost letter, i decided to give barclaycard a phone call asking for a list of charges from 2001 to 2004. he could do a list of charges but would send it out in statement form. (approx 40 statements). The kind gentlemen says they have been ordered and will be with u in less than seven days at no cost.

so lets see if he's a good as his word.

oh and i know this thread will end up in the wrong section so could a moderator please move as for some reason it will not allow me to start a new thread in barclaycard.

Thanks

Rob

HI

It wont let me post a new thread in the Mbna forum could you move this post if possible cheers

Rob

HI

Just sent A SAR to Mbna so waiting for the response. I will keep u posted.

Rob

Thanks everyone.

Quick question, When letting the court know they have paid in full do i click the admission box or do i let them know another way

cheers

THANKS EVERYONE, I WILL BE FILLING IN SURVEY AND GIVING A NICE DONATION!

HI

So today i will now start with claim 2 to get the other part of the charges Halifax owe me.

Rob

Hi

Just recieved a letter from Halifax this morning claiming they do not accept any liability blah blah blah

But we will reimburse all of your money within the next 5 working days.

I WON YESSSSSSSSSSSSSSS

THANKYOU TO THE CAG WITHOUT YOU I WOULD NEVER HAVE TOOK HALIFAX TO COURT AND GOT ALL MY MONEY BACK SO THANKYOU.

ALSO CAN SOMEONE CHANGE THE TITLE TO WON THANKS

Also do i click the human rights tab? I have seen it mentioned before but i cannot find.

Cheers

Rob

Hi Thanks for replys

Question on money claim form

When u click, do u want to claim interest a pop box appears saying the following

The claimant claims interest under section 69 of the county courts act 1984 at the rate of 8% a year from date to date of £ (Is this the 8% of total claim or the total amount of claim without 8%) and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of Amount sorry for been thick i cannot get my head around what to put in.

Thanks

Rob

Thanks mate i will do it Monday

Rob

please?

Any suggestions any1

ROb

HI

Received a letter from Halifax today saying i should keep enough money in my account to cover all transactions blah blah blah

But as a gesture we will offer a one of payment of £800 as a full and final settlement.

Ok im due to file a court claim on monday so not sure how to respond to their offer.

Do i send them a short letter saying i will accept the £800 on the condition it is only a partial payment as i will continue to pursue the rest of the claim

Do i continue with the court claim on monday or do i give them time to respond to my letter?

Thanks

Rob

Oh well it wont frighten me away from getting want i deserve.

Thankyou

OK thanks for that.

It looks like i will filling a court claim very soon the total i am claiming is just under £5000. With the interest added it will go over £5000 does this mean i will have to pay more for my court costs.

Cheers

Sorry Ignore my last post

I have had to break my claim down into 2 claims to keep it under £5000. When is it the best time time to send for the second claim so they dont get put together.

Cheers

Thanks 4 the reply.

Also i have know recieved the standard letter from the Halifax. Do i now use the standard letter for the LBA. Or do i change the wording to I am disappointed with your response to my letter off the 'date'.

THanks

Rob

HI

Quick Question.

The account in question is a joint account. On the bottom of the letter i have been putting my name only and not the wifes does this matter?

Thanks in advance