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Everything posted by letsdothis

  1. The fire looked crap, unrealistic and the CGI was poor. Phil survived even though the pub exploded and he had half the bar on top of him, the only sad part (if you can call it that) was the music at the end of Friday's Eastenders as Peggy walked off down the street. Eastenders is not even believeable anymore, a bit like Corrie went about 7 years ago. I don't even bother with any of them no more. Bring back Brookside I say.
  2. Technically you owe them £42.50 iirc - Although they are now powerless to collect it or threaten you, as you have paid your liability off in full. The only option for Jacobs is to take you to court for it, if they wish to pursue it legally. As long as the original liability order has now been paid in full, as in you owed the council £400 and you have paid the council £400 (do not count any bailiff charges for this) I would tell them to foxtrot oscar.
  3. Send it to Capquest. They are the ones hounding you.
  4. You may have views to be updated once per hour BF - Saves server load. It's in the control panel of vBulletin, to have them update instantly is a huge server resource.
  5. I would try and negotiate your CRA showing as fully settled and not as partially settled. Tell them that if they write back to you with; 1) Confirmation that the amount is in F&F settlement and will show fully settled 2) The debt will never be sold on or enforced at a later date by them nor anyone else 3) They mark your CRA as Fully Settled and not Partially Settled They have a deal. They should give in, as the temptation to get your money is too great.
  6. I sent him a PM telling him and asking if he could update them.
  7. Cheers DX It's the N1 that I need help with now, I have done all the letters and charges etc Their time ran out today, but I won't be able to issue the N1 until next Wednesday.
  8. Could you let me have the POC's I have given them til next Wednesday to refund all plus 22% and so will need to file then. There is a template that I found, but it doesn't really mention the restitution bit, which is what makes all the difference.
  9. http://www.consumeractiongroup.co.uk/forum/member.php?125683-slick132 How did you do the Cap One and get them to cough? I am currently doing mine against them.
  10. I just checked the first one again using the spreadsheet that I would use, it comes to £199.25 against yours of £199.28 so I guess that is pretty spot on. The biggest snag you are going to have mate, is the fact it is over £5k - You really need this in Small Claims court so you won't have to pay costs etc if you lose. Mine came to 4.7k ish so I have room to play. What you could do is; 1) Split your claim, so claim the ones before 6 years old and one for the last 6 years 2) Offer a Without Prejudice refund of say £5k or something I would wait for some more advice on this, as that amount is huge.
  11. I claimed for CI and Stat Interest as well as all charges in my first letter to them. I added the paragraph to my LBA as they had clearly not included them in my initial offer that they gave. What have they offered you, is it all charges within 6 years? If so write back and use that paragraph, they then know what you want, ie all of them. If you first wrote to them asking for the charges back with stat interest but didn't mention the CI then I think you would be best starting over again or mentioning that you are entitled to CI as well. Maybe others could give you a helping hand. I have always added that on initially.
  12. If you try the spreadsheet I linked to and then use the figures from yours and put them into the new spreadsheet like I have done on my image, it should show the 8% interest as well. Then put these figures into the initial request to cap one, that way they know what you are expecting from day 1
  13. I checked the first one, that looks pretty fine to me. You cannot claim the purchase interest though. There is a very good spreadsheet here that you can use, the same one as I did my example on before. http://www.consumeractiongroup.co.uk/Spreadsheets/England/Complex-bank-charges-calc.xls
  14. Doh! Sorry just realised what you meant. Total amount due 39.80 Interest accrued 27.80 On your spreadsheet you will already have the £12 on there. The amount for the CI is £27.80 and the amount with the £12 (already on your spreadsheet) is £39.80
  15. If you are now claiming eg £3000 against £2000 you originally asked for because you are now claiming CI then I would start from the beginning again. You cannot ask for x amount and then claim y amount it wouldn't be seen as fair.
  16. If they say the charges are over 6 years old, include this paragraph in your letter. As you are now going back with a higher amount I think you would need to start again as if this is a new claim. I refer to default charges applied to my account amounting to £xxxx.xx, which I have requested you pay back. Some of these charges are over 6 years old, however s.32 Limitation Act 1980 allows me to reclaim these on the basis that I did not realise until recently, that the penalty charges levied against myself, were in fact unlawful.
  17. 1) Send Cap One a SAR and a £10 postal order, you will need to sign the SAR or they will write back and tell you they won't deal with it until you do. Sign and put a line through or some dots so you know in future if they have lifted your signature. 2) Once you get your SAR back you will find all of the charges etc that they have charged plus PPI and so on 3) Do 2 different spreadsheets one for chrges, one for PPI payments, and then let the spreadsheet add the 8% to those amounts 4) Write 2 letters, one for charges one for PPI and then send them to Cap One asking for your money back 5) Laugh at their response 6) Ignore their response and then send them a LBA 7) Issue a court summons because they will not settle unless you agree the amount that they offer is suitable (it won't be) 8) Accept settlement off Cap One before actually going to court All of the steps above are what will happen, any letters, spreadsheets etc just ask. The main thing you need for now is to get that list of charges so you know how much to claim back.
  18. I got mine off the screen print from Cap One that they sent in my SAR Use the 29.9% mate, they won't pay up easily anyway. They will let you go to court first, so go with the highest you can find. Bear in mind that unless you are prepared to go to court, then there is no real point in fighting for the higher amount. They will always offer you a stupid amount initially and try warning you off with BS about the £12 charges etc and then only offer you the difference of £12 and say the £20 they have charged. They like to play ping pong with you. I managed to miss out that step because of the wording I used in my letter to them, and I actually got a decent offer initially, although it was only a quarter of what I had asked for, so I wrote back and politely told them to go forth and multiply, pay this amount or I will take it to court. They have not responded so far, and so next Wednesday I will issue the claim.
  19. It's quite simple to work out compounded interest. Use this; http://www.egalegal.com/compoundWindow.html 1) Principal is charge eg 12.00 2) Rate of interest off statement (on my Cap One it showed 22%) 3) Number of rests - 12 compounded monthly 4) Start date - The date of the charge 5) End date - Today or whatever date you do the calculation 6) Tick the box for If you would like your calculation based on a 360 day year, please check this box 7) Press calculate EG You have a charge of £12.00 from 25th March 2005 so do as above on the website linked, and you should get this figure. (provided of course you choose 26/08/10 and use the 22% I have added above) Total amount due 39.80 Interest accrued 27.80 Therefore the figure you would put on your spreadsheet would be £27.80 and then let the spreadsheet add the 8% automatically. People say not to add CI and Stat Interest, but on my Cap One that I sent a LBA I added both. They should settle somewhere in between hopefully.
  20. Welcome to the Cap One Claims club.
  21. Had an interesting conversation with Provident, on their freephone number of course. Apparently I have topped this loan up at least 7 times over the last 5 years or so. This is totally not true, as I have only ever had one loan off them once, and that was over 4 years ago. They have apparently written off all of the so called loans that I have ever had now, and confirmed that I do not owe them a penny. I am just awaiting confirmation in the post. I wonder why they have now gone from saying that I owed £3k to ZERO if they genuinely thought that I had taken out 7 or 8 loans over the last few years. One thing is for certain though, I only ever signed once for the initial loan, so maybe they have just realised this fact and written it off to stop me taking it any further?
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