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Janeyh

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About Janeyh

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. Thanks redsonja, and well done re. your win !! You whooped their ass
  6. Hi Tanzarelli, I've just got to the stage of starting court proceedings against CapOne through the N1 form and have found your POC above extremely helpful. Just one query though, you have mentioned in 5.(a) - "the return of the amounts debited in respect of charges in the sum of £XXXX and interest charged thereon in the sum of £XXX.XX" and then later in 5.(d) - "the Claimant claims contractual interest at a rate of **.**%, from the date of each transaction to (date of claim issue) of £XXX, as set out in the attached list of charges. The claimant further claims interest at the same ra
  7. Hi, This is a word-for-word copy of the letter I received in response to my prelim. letter. Yesterday, I sent off my LBA because the 14 days I gave them to give me my money back was up. Stick with your claim, don't cancel it. They will eventually respond with a defence. You could always send them a letter back saying "unfortunately you have already instigated court proceedings against them ..." but if they wish to settle your claim before it actually gets to court, you are prepared to withdraw the claim. Good luck.
  8. Hello ukaviator, Yes the 2 figures I mentioned are the ones on the statements. Statements go back to May 2004 (didn't have a CC before then). I've actually sent my LBA off because the 14 days since my prelim. was up. I used the interest rate that is currently showing on their website for my type of card (Platinum at 15.9% (hope it was correct). My concern was that the interest figure I arrived at using the spreadsheet seemed low in relation to the fees applied, i.e. £212 in fees but total only £271.85. Anyway, it's gone now. Thanks for your reply
  9. OK, I'm almost brought to tears now:-( I've spent the last couple of weeks since sending my prelim letter trying to make sense of the contractural compound interest issue but have to admit I'm sadly lacking in the ability to understand it. I've filled in Vamp's spreadsheet no. 16 but I'm convinced I've done it wrong. After reading dozens of threads about how to calculate the APR charged on my credit card I arrived at a figure of 14.57% (again don't know if this is right). Throughout my account I have had only two different purchase interest rates, 1.240 and 1.039. Added them tog
  10. Hi guys, A friend has just shown me some letters he has received from Lowell Financial regarding a debt they claim he has with HSBC. The first letter was dated 10th July this year and said the debt had been sold to Lowell and payment must be made to them. He rang them when he got this letter and they told him it was to do with an outstanding debt from when he lived in Wales. He informed them he has never lived in Wales whereupon they said they would transfer him to another department where he was cut-off. He rang back and spoke to another advisor who acknowledged that he was telling
  11. Hi everyone, A friend of mine who is a very financially secure and astute individual has a credit card through NatWest. Recently he genuinely forgot to pay his credit card bill, which he always pays in full, and on his next statement he had incurred a £12 charge. He has never had charges before, either on his CC or his bank account. I suggested that he call NatWest and ask that the charge be refunded which he did and the lady agreed to do this. However, he has today received this month's statement, the £12 is still on there, and it has also accrued an interest charge. He called NatWest to
  12. They didn't send me a cheque even though I asked them to. I wanted to pay it into a different bank. They paid it direct into my Abbey account and they (DLA) said the only time they send a cheque is when the account is actually closed (fibbers !). I had to wait for the funds to clear twice, once from Abbey (5 days - don't understand this anyway when funds are deposited directly into the account:rolleyes: ) and then again when I moved the money to my other account. They like to make it awkward for you right till the very end:rolleyes:
  13. Hello Odd, I think your press release is superb. I can't wait to read it in the papers. Surely, the press, particularly the likes of the Sun/Mirror etc. will fall over themselves to print a story like this:D Re. Martin Lewis, I think I also saw do a slot on the new BBC 1 early-evening programme, The One Show - theoneshow@bbc.co.uk - perhaps they might be interested as well. Well done !!
  14. I don't see this as "everyone loosing out" but rather a much fairer way for everyone to be provided with a service, as opposed to some people getting something for free off the backs of others, me included. I feel it is morally right that I should pay for a service I am getting (i.e. a bank account) and do not feel that someone else should pay for it for me.
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