That N266 deffo looks like a trick to get you to admit stuff, then. Is there anything to show where it was actually sent from ? Why not email their sols about it, sound all naive and innocent, and see what you get back.

I may be missing summat here, but what will you have gained by this ? If they sent what you ask for, then you have the agreement you didn't actually want. They have compliance, and therefore enforceability. All with your kind assistance. Surely it would be better to delay sending this until after 14/3 ? By then, you will have their non-compliance & thus breach of the CCA, and even if they can then supply the documents you are asking for, they may not want to risk enforcing the debt in court, as they will still be liable for the breach of the CCA which occurred on 14/3. Whether they have the original agreement or not.

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VAMPIRESS'S SHORT GUIDE TO HER SPREADSHEETS When you have opened a file, click on "File" and click "Copy spreadsheet". You will then have your own to edit. At present you can only enter dates in the American style, e.g. 9/19/2006, however, they are formatted to look like 19-September-2006. Some reports need to be printed in landscape. After clicking "Print", you should have an option to change your printer settings. Alternatively you can export your document to pdf format to print. These spreadsheets are simple to use, and stored online so that you can access them from any computer with internet access, invite others to share them with you, and hold online conversations within the spreadsheets themselves. This is why I have chosen this particular software. If you prefer to use other software, feel free to use the calculations used here. You can also export these documents as csv, xls, pdf, ods or html if you wish. If you need to export to Excel, there is a little work involved as some of the formulae will not export correctly and will show as errors in Excel. If you want to use Excel then some of the formulae will have to be manually copied is all. You should save your own Google version of the spreadsheet, then you'll be able to double click in the cells that haven't exported correctly to read what is in them, You can then type this formulae into your Excel spreadsheet manually. Remember - "Ctrl + Z" will undo your last entry made if you feel you've made an incorrect entry. General spreadsheet assistance is available in the Google help within the spreadsheets. Spreadsheets 1 to 21 will help you calculate a refund of charges, the interest charged by your bank to you in respect of those charges, and any statutory or contractual interest you may be entitled to claim on those amounts. Advanced version spreadsheets estimate the portion of the interest that the bank has charged to you that relates to the charges they took from you. This requires you to enter an estimate of the average overdrawn balance during the period the interest covers. Use the last date of the period the interest covers. Also enter any interest-free overdraft that you may have had. If you don't have this detail, or it is too complex, please use the simple spreadsheet and decide whether to claim all, none, or a fraction of the interest they have charged you. Advanced versions of the credit card spreadsheet assume charges are the last to clear from your statements. Check your T's and C's for information on allocation of payments. Statutory interest can only be claimed when raising a claim. Contractual interest should be requested with your first letter to the bank, and subsequent letter before action. Change the interest rate from 8% within the spreadsheet you save if you are claiming contractual interest to your bank's authorised or unauthorised overdraft rate. Calculations are different in Scotland. Please ensure you use the correct spreadsheet. Ensure you have entered all dates and rates correctly, typing over what has already been entered for example purposes. Ask a family member, friend or colleague to check over your calculations or assist you if you are unsure. Spreadsheet 22 will help you calculate your costs to claim in court if you have been fast-tracked. Ensure you type over the data already entered for example purposes. You are likely to need to insert rows here. Ensure the sum calculations include any inserted rows. Spreadsheet 23 will help you to detail to your creditors your income and expenditure within a given period, and highlight the amount of money available that you can use to repay them. Thanks to Jonni2bad for this spreadsheet. Spreadsheet 24 is to help yourself with cashflow from one period to the next. A period is likely to be a week or a month. Spreadsheets 25-27 will help you calculate any interest included in a consolidation loan that relates to any penalty charges and interest paid on those charges that have been included in the loan. Enter the details of your loan at the top of the spreadsheet and view details of what you are claiming at the bottom. Google Docs & Spreadsheets -- Web word processing and spreadsheets.Edit this page (if you have permission) | Report spam _uacct="UA-18065-1"; _uanchor=1; urchinTracker(); if (typeof(setPostToken) != "undefined") { setPostToken('XHFnUREBAAA.dtR9q3RdFsTqXvtoTJpwIUROw3Q0i-Rsx3rpJYEkt0M.9KRPQIOe6hmH-KM4_MAY8w'); }

VAMPIRESS'S SHORT GUIDE TO INTEREST You are advised to give the bank a detailed breakdown of what you are claiming from them. This can be a simple hand-written list or a more legible document prepared using a typewriter or software on a computer. Reading this, you are likely to be claiming numerous charges from your bank or credit card company. These should be listed with the dates and detail of what they are. You were probably also charged interest on what were considered overdrawn amounts. The overdrawn amounts may include accumulated charges. If you can apportion the interest you were charged between the accumulated charges and the "true" overdraft, you will probably like to add to your claim the interest that was charged on the charges which you are claiming to be refunded. The advanced spreadsheets I have created should give a good estimate of the apportionment. Having listed the items you wish to be refunded, you are entitled to request interest on each one of these as an individual item. The courts state a statutory rate (judicial rate in Scotland) of 8% that you can add in the absence of any contractual rate. Some argue that there is a contractual rate, by means of mutuality and reciprocity within the contract you have with the bank or credit card company. The bank will state their rates in published brochures and leaflets, and on their websites, and you may wish to use these. Statutory (judicial) interest cannot be claimed before raising your court claim. Contractual interest should be claimed at the outset. Statutory interest cannot be compounded. Both statutory interest and contractual interest are taxable. You must understand what you are claiming and why, and be prepared to explain and reason your arguments for your calculations in a court of law. Remember at present, the template letters and particulars of claim on consumeractiongroup.co.uk are for claiming statutory interest. You must amend these to your own personnal claim. If you have transferred an overdraft into a consolidated loan, some of the interest added to the loan may be reclaimable. Google Docs & Spreadsheets -- Web word processing and spreadsheets.Edit this page (if you have permission) | Report spam _uacct="UA-18065-1"; _uanchor=1; urchinTracker(); if (typeof(setPostToken) != "undefined") { setPostToken('OHlmUREBAAA.dtR9q3RdFsTqXvtoTJpwIUROw3Q0i-Rsx3rpJYEkt0M.5kqh0xGvKVpiMdZLFc0uoA'); }

Just my simplistic two pennorth, if I may. Willow, if you focus on what you want from this, rather than what you actually asked for. You don't actually want what you asked for, do you ? Because if you get it, then you've lost. To me, your letter in post #7 is the important document. It puts them in default (by its' date presumably). It may put them in breach, because they clearly admit that they consider that they have sent you an application, as opposed to a contract. It also puts them in breach, as they have stated what seems like a clear denial that you are entitled, or will receive, the additional account detail required by the CCA. So, if nothing else arrives by 14/3, then you have a clear and admitted breach of the CCA, IMVHO. Whether or not they can actually produce the original signed contract (and I believe it has to be the original, if they are to enforce the debt in court), the fact is that they will have to go into court to enforce the debt. Even if they can eventually produce the contract in court, they will still be entering that court in criminal breach of the CCA by not supplying you with your copy + support docs in time. As such, they risk a fine, and possibly other action. Whether or not the application (their description) which you have can be considered a true copy of the contract, they will have still breached the Act by 14/3. As far as I can see, what you want them to supply you with by 14/3 is nothing. You will then have all you need. I doubt very much you will get the written admission that they do not have the original contract, but is it going to be worth them going into court with whatever they have got, and risking both a fine, and unenforceability ? Just my view on it, FWIW - cheers guys. Bill.

Westy, I have always been a homeless maverick here, not having started threads of my own apart from those "Voice whingeing in the Wilderness" ones !! As a result, I never came to visit you here on your own premises, and we passed each other out there like cars on the M4. I notice you have kindly mentioned me here, and I repeat the congratulations on your win which I offered you on other threads. I finally shot that pesky dancing leprechaun, but I never thought I'd witness your departure from here. Your wordy humour and wonderfully feigned arrogance will be missed by many - least of all me - you old sod !! Seriously, mate - I implore you don't try and check out of this place - it's like Hotel California. Just take a well-earned break, and chill out on the fairways. Anyways - Barclaycard are waiting their turn patiently, now, aren't they ? Don't disappoint them, even if you're willing to disappoint us, mate. Take a holiday. Send us a card. Then come back refreshed, invigorated, but meaner and more humorous than ever !!! I've said this before, and I'll say it again, at great risk risk to my reputation elsewhere: I love ya, mate !!! And so do many, many others - much better looking than me !!! Think of them, while you're on holiday - then I'm sure you'll return. God bless ya, mate, Bill.

CONGRATULATIONS, YOU GUYS !!

Nearest I can find to a deffo, Chez - it implies the conscious mind is a Will-o-the-Wisp, darting about all over the place: "Generally meditation can allow access to states of consciousness that lie a little way beyond 'normal everyday consciousness', so it's only when we SUSPEND that controlling, flippertygibbet, 'normal everyday' mind that the landscape beyond the 'gateless gate' becomes apparent... " So, relax, turn off your mind, and float downstream - man.............. More paper for cubicle 3, please !!

Mark, You need to post this query on Mindzai's thread here, I think, as this is a new spready and he will probably be dealing with any glitches there: http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html Ckay - welcome to the forum. You need to read the Forum Rules, the FAQ's, and then start your own thread. From what I can see, though, you don't seem to have received reliable information from HSBC !!!

Taylormandy - I would dearly love to tell you not to let what you're told in the chatroom influence your decision, as it could be [edit], but I cannot. What you're told in the chatroom is NOT [edit] - it's official: http://www.consumeractiongroup.co.uk/forum/post-560505.html You are expected to check the credentials of Blackadder & Baldrick before taking their opinions seriously. Did you ? does anybody ? FWIW, I agree that the plan was flawed because it's [edit]. But then, that's JMVHO, as I'm just a turnip !!

Hi Andrew. I'm not really back, I'm just being a bit of a poltergeist The occasional ectoplasmic bit of mischief, then I'm off again. The temperature drops when I'm around. ChilliWilli.

Well, the way I see it is that any credit to the account reduces the monthly statement balance, whether it's cash, cheque, refund, credit, cashback, or even the equivalent value in bananas !! If it is not entered as a credit in some way on the spready, then the balance on which the apportioned ("debited") interest is calculated is incorrect. But, that's just the way I see it. And I see some damn strange things, sometimes !!! :o

IMVHO, I would say that, as it is a credit to his account which reduces the balance, then it is treated as a payment into it, regardless of its' source. Just my VHO, though !!!

OK., mate, I know you're busy, anyways !! Give her a gorillahug for me !!

Have you got plenty of paper & a spare ink cartridge ? - No, seriously. It WILL run out if you don't.

I have to tell you that there is currently a dispute over the quality of my advice and opinion. Until such time that it is adequately resolved, I do not feel able to safely offer any assistance. I am so sorry. I do hope you will understand my concern that I do not give misleading advice until I feel that I have CAG's confidence. I can only suggest you try contacting these people with regard to this: Vampiress, Karnevil, Jonni2bad, RobertXC Please accept my apologies Bill.

It might be just asking you to enable the use of cookies on your computer when using the MCOL site. Answer yes, and that might do the trick. There might be a yellow band near the top of your screen showing this. HTH

No - other way round, mate. I'm just being cocky !!

LOL !!!

FOMTL !!! Yeah, I love it - do the Muffin !!!! Sure beats doing the Time Warp - yet again, eh ?

That reminds me, I must make an appointment to see mine. I'm reading with a pronounthed lithp !!