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SilkySmooth

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Everything posted by SilkySmooth

  1. Hi, I have sent off my Prelim letter to Capital One and they have responded with an offer which is less than half of my original claim. Obviously I intend to only accept this as a part payment and will continue with my claim. My Letter Before Action is due to be sent to them tomorrow but I am a bit un sure how to word this. Do I even need to reference the partial offer they have made or should I add a paragraph to the template LBA stating that I will only accept the offer as a partial settlement? Thanks SilkySmooth
  2. Hi, I am currently in the process of writing up my LBA's to three Credit Cards that I am chasing and this has just occured to me, is there anyway I can request in the letters and when I get there MCOL that they pay up by cheque. The reason I ask is that I am claiming £530 from Barclaycard and only have a credit limit of £400, so when I win the case it will put me in credit which I don't really want to be with them. Thanks SilkySmooth
  3. Hi Fitzy, I beleive you will still need to send out two S.A.R's as they still dealt with as seperate entities. E.g Barclays probably won't have access to your Woolwich account details and vise versa. Besides which, a lot of them don't even cash the £10 fee. HTH SilkySmooth
  4. Hey, I posted off my Prelim letter on the 19th of September claiming back £540 from Barclaycard. Today I received a letter back basically stating 'We hope to resolve your complaint by 18th October'. I am now waiting to send in my Letter Before Action due to go out on the 3rd of October. I will update the thread as and when I hear from them or contact them. Regards SilkySmooth
  5. Hi Glenn, Thanks for coming back to me. 1) Yes I thought this may be the case, it will be interesting to see how it pans out though. Thanks for the info ref them not being able to take enforcement action while an account is in dispute, that will be helpful. 2) I have done a bit more research regarding this and it seems quite difficult to actually achieve unless you have all of the bank statements and know exactly when the account was pushed over it's limit by the bank charges. So I have decided not to follow up on these and just claim back the charges. Thanks again SilkySmooth
  6. Hi, This is my first posting on the forum so be gentle I have been reading through the forum, FAQ, etc for a few weeks (mainly in spare time) trying to build up my knowledge and familiarise myself with the whole process before getting started. I am about to take on the following companies: Virgin (MBNA) Capital One Barclaycard NatWest * 2 (One Business, One Personal) Smile Current Account Smile Visa Account Cahoot Current Account Cahoot Visa Account I have prepared the DPA letters for 4 of them and I am working on the Prelim letters for the other 5 as I have statements for them all I can also prepare the schedules. I opened a new account with HSBC which will act as my parachute account. So I am almost set, however I do have a couple of questions which I have been unable to find answers for. 1) I understand there is a risk that my accounts can be closed by these companies, what is not clear is if I will have to repay the amount owed to them straight away. For example, my Cahoot current has an overdraft of £400 which is at the limit. If the account is closed by them, do I have to pay the full amount straight away. Is it different for current accounts vs credit card accounts? 2) I have read in a few places that you can claim interest that has been incurred as a direct result of these charges, however I am struggling to find a calculation for this, can anyone help? Thanks in advance for any replies. SilkySmooth
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