Thanks m55 - it'll be in the post tomorrow !!

Many thanks Tam & Tide for the quick response. I am hoping that they have now painted themselves into a corner, and I will now ask for a further copy of the agreement which they admit they have, but obviously haven't !! Was your phantom agreement also Cap One, Tam - and how long ago, if I may ask. ? PS - I never phone, as I want hard copy every time, and I can't think on my feet, anyways !!

Congratulations, Tam, on your recent triumph. Also on some forthcoming conquests, judging by the recent banter here !! Just throwing another stick on the fire, here, if I may. I have just heard from a fellow Cap One CCA agreement requestor. We have both received replies stating the agreement was enclosed, when in fact there was nowt else in the envelope !! In addition to their latest trick of tripping up penalties claimants by "failing to understand" their spreadsheet figures, this now seems like another little trick. Anybody else had the same from them ? Please PM me if so, to avoid hi-jack, thank you.

No, I didn't, Doo - but TBH, I haven't replied yet. I have a "cunning plan." - Will PM you. Minor hijack, if I may:- HAS ANYBODY ELSE BEEN TOLD THEIR CAP ONE CCA AGREEMENT WAS ENCLOSED, WHEN IT WASN'T ? If that has happened to you, by all means PM me to save hijacking Doo's thread. Thank you.

Wishing you well with this one, Cankster.

Interesting, doo - another standard tactic, this, then. I got exactly the same letter back from them - without the CCA agreement enclosed !! PS- thanks for the - er - positive feedback just now !! 8-)

Wilkins, May I wish you a somewhat belated Well done and many congratulations, indeed !!! Like watching a really good thriller, I had to hide behind a pillow, as I watched the "will she, won't she ?" story unfold !!! Eventually my nerves forced me to look away completely, as I was convinced you were going to bottle out and settle for £1 and a bag of sweeties in full settlement !!! Very, very, very well done, considering how scared you must have been at times. And very, very, very well done to those who had the nerve to stay in here and see you through it !! A wonderful, scary rollercoaster of a thriller well told, and brilliantly finished. Recommended reading for anybody claiming, who feels intimidated by it all. IMO, a credit not just to to your temerity, but to that of Bong and Glenn, along with the others here who have helped you along the way. Bill.

....That seems to confirm that this is the standard tripwire currently being thrown across the road for us, then.

Welcome back to Hotel California, Westy !! Even I will be happy to see that wretched dancing Leprechaun again !! .......Well - for a short period, anyway !! :grin: Best regards from a fellow inmate.

I fully agree - we have no personal dislike of these people unless/until they give us good reason to. Be firm, but courteous. If they do, then I think that just saying that LA s.32 applies will suffice in the LBA. JMVHO of course. PS - that date typo's still there - fix it !!!

Well-spotted, laser-eyes Chez. I didn't see that, myself. It's a typo, and it should read "21/03/07" The interest figure is correct, though, and is actually only calculated to 21/03/07, as in the spready.

Damn thing trashed my car once - remember ?

ISWYM !! I've fixed it now !! Right, now the muffin gets it - stick 'em up !! ____________

Not if he shoots us, first !!

Well done, QZ. I still fancy one on the odd special occasion, but it's dangerous in bed !! Nah - I'll keep my spliff going, Chez. Anybody for a quick blast on it ?

That is brilliant, Bong. Thank you so very much !!!! Is it a bird ?............Is it a claim?...........No - It's...... UPERBONG !!!

Get off ya horse an' drink ya milk, Chez, ya varmint !!

OK that's good, QZ. You've decided, then !!! Just stick to your guns, now !!!

FWIW Andrew, I had a small win with a BoS Mastercard. Settled in full. £75 charges, £30 contractual interest, £40 costs. Settled after Default Judgment.

Hey Rouge, mate - belated CONGRATULATIONS !!! I think telling you your figures are wrong is their latest trick. I even wonder if they've seen me telling peeps to make sure their spready's right before they do owt else, and thought "Ah, now there's an idea !!" Crafty sods. Thank you for the mention in your Oscar speech, mate. Very kind of you - and you other guys. TBH, I've caused plenty of grief with my own idiotic posts, and so, in the now defunct spirit of mutuality and reciprocity, I continue to do so !! :lol: Enjoy your winnings, mate, and have several for me down the old rub-a-dub, tonite !!! All the best to you, my friend.

CONGRATULATIONS, CHEZ..... POST NO. 1,000 !!!!!

Take a look at the WON cases in the Abbey section, QZ. The second set of spreadies I sent you calculate the interest using the "true" annual rate, derived from the EAR. This is compounded daily, using an annual rate.

WELL DONE, AND CONGRATULATIONS, MATE !!! From "Prof"

QZ - I agree with Chez. As Personal Litigants we are not expected to know all the complications of how interest is calculated. As long as we make a fair effort with our claim, then it is up to the bank to dispute our calculations, and provide their own. After all, they are the experts at it - not us. The Abbey link here shows their Current Account Unauthorised O/D rate as 28.7% EAR. Abbey - Abbey current account - Rates You can bet your life that no branch counter staff will be able to tell you how to work out your compound interest from the EAR rate. If you really want to believe whatever waffle they told you in the branch about it being compounded annually, then OK. The EAR figure is expressed as an ANNUAL rate, and is the equivalent annual rate that the interest being charged would appear as after a year. But the interest actually charged on overdrafts is compounded on a daily basis, not an annual basis. If you want to make your claim against Abbey using their help, then by all means do so. But we will not be able to help you here in that case, with all the conflicting information you will be given. You need to decide if you want our help with this or not. Whose side are we on, and whose side is Abbey on ? As Chez says - it's really up to you - it's your claim.

Well, that does it then - losing is not an option !!!! Believe me, mate - it ain't. I know these ladies !! Do what you're told - and you'll survive !!!