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Missy06

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Everything posted by Missy06

  1. I found this link while searching through the threads and think is what I need:-): Compound Interest Spreadsheet I also found this link but not sure if it's the same: http://shweb.pwp.blueyonder.co.u k/Co...Sheet_v1.9.xls Hope that's helpful to everyone!
  2. Thanks a lot for the prompt feedback. The 2nd link you sent is not for contractual interest. The Simple Spreadsheet uses the statutory 8% for calculating interest whilst The Advanced Spreadsheet calculates using whatever interest rate you put in.....and both of these are based on calculating using simple interest..... Neither calculate contractual interest..... But I found this link while searching through the threads and think is what I need:): Compound Interest Spreadsheet I also found this link but not sure if it's the same: http://shweb.pwp.blueyonder.co.uk/Co...Sheet_v1.9.xls Thanks once again!
  3. Hi Everyone, I decided to spend Valentines Day evening putting togther my Natwest spreadsheet together...(pitiful, I know!) Is there anyone out there with a template for Contractual Interest Spreadsheet as we don't have one in our templates library? Thanks!
  4. Hi All, I just wanted to find out if anyone has a copy of a Contractual Interest Spreadsheet I could make use of to claim bank charges on hardship grounds? The former link doesn't work as the file was uploaded to a site that has now been shut down!! Thanks!!
  5. MilkTrayMan, I just tried to access the Contractual Interest Spreadsheet but it's no longer available on the website he seemed to put it on! Do you or anyone else have a copy of the (or any) above?
  6. Car2403, thanks for that. Much appreciated!
  7. Hi everyone! This might sound like a bit of a silly question but are the CCA Agreements being discussed on this thread only applicable to CREDIT CARDS? How about bank accounts?!? Can we only try to get monies back through the Hardship Waiver route?!? Any clarification will be much appreciated:)
  8. Interesting! Which solicitor was representing Citi in your claim?
  9. I think I'll keep the part on confidentiality in and add "save for an application for wasted costs". Their judgment was initially set aside as they claimed they weren't aware of the claim in the first place and weren't given the opportunity to file a defence!:o......liars! I'm not desperate for the money but more interested in seeing justice carried out. These coporates just try to intimidate the average Joe Blog:mad:......and I won't be intimidated. They either settle with Wasted Costs or we take it back to the court!
  10. Thanks a million! In the meantime I'll be putting my Wasted Cost Order together for submission to court on Monday!
  11. They've mentioned that "There be no order as to costs of this appliction or in the case" but I'd like to put Wasted Costs in......the worst that would happen is that the Judge won't grant it but at least I would have tried!
  12. They haven't submitted anything to the court. I spoke to them and they said I should sign, then they will sign and then put forward to the court. Should I ask them to sign, and then I sign and submit it myself to the court? I'd like to put this behind me and just get the account settled and cash in my pocket!.......but I really want to put in a Wasted Costs Order....I've spent uncountable time on this claim!!.....and Brian Smith gave me grief as well..... What do you all think?
  13. Hiya! Just to keep everyone updated: Jan 08 - I went to court and the Judge asked Citi to file a full defence (the liars claimed they weren't aware of my claim so didn't file a defence) by a given date. I requested the Judge to ask Citi to also address my 6-point statement which required them to answers as well as give a full disclosure of the charges to my credit card account. This was granted. The guy that came to court on behalf of Citi doesn't actually work for them. Early Feb 08 - Citi filed their defence but not fully (as they didn't address my 6-point statement that the Judge had asked them to adress at the court hearing) ! Mid Feb 08 - was sent AQ to fill by court. I filled it and returned it with a Draft Order of Directions. March 08 - Citi didn't file their AQ! Yippie!! Wrote the court requesting the Judgment be reinstated as Citi didn't file full defence nor submitted their AQ and were just wasting everyones time. End March 08 - Court reinstated judgment. April 08 - Got a letter from Eversheds informing me that they are now Citi's new solictors (this was originally being dealt with internally by....you know who......Mr Brian Smith:p)........4 days later got a letter with an attached Tomlin Order offering full refund of charges! :D.......finally I've won!!!
  14. Hi Elsinore, please could you take a look at the thread below and comment? Thanks! Please click here
  15. Hi Enron, could you please take a look at the thread below? Thanks Please click here.
  16. Hi, I've finally gotten one of the credit card lenders to refund me my bank charges with interest after I got a judgment against them! Their solicitor has sent me a 'Tomlin Order'. What is this? Should I sign it? (I just want to get this over and done with) ......It reads as a 'full and final' settlement. Will there be any implications in the future as they'll probably be settling the account out of the sum and sending me the cheque for the balance (although the schedule - see below - says they'll "refund to the claimant the of xxxxxx....") It orders that: 1) the judgment be set aside 2) all further proceedings be stayed except for the purpose of carrying the schedule into effect. 3) permission to apply to carry such terms into effect. 4) there be no order as to costs of this application or in the case. The Schedule states that: 1) the defendant shall refund to the claimant the sum of xxxxxx within 14 days of the date of the sealed order. 2) the defendant makes no admission of liability in respect of this claim 3) the parties agree that the consideration set out above shall be in full and final settlement of the case, and all claims, rights, actions and causes of action (including claims for interest and costs) either party may have againast the other arising out of or in connection with any issue pleaded in this case. 4) The terms of this agreement shall remain confidential between the parties and thier legal advisors save that the same may be disclosed: i) to the extent necessary for the purposes of enforcement; and ii) to any court, government, or other authority to the extent necessary for compliance with a lawful obligation by the party disclosing it, and to the extent necessary to any professional advisor to that party in connection with the giving or receiving of advice in relation to such disclosure. What do you think? Thanks.
  17. Hi, I'm yet to put my claim through the court; it's going to cost me a bit and I've put a number of claims through in the last couple of months! Once I have some 'extra' cash, I'll put it through....... Could you remind me what info are you waiting for? If they've failed to provide the info you require, why don't you approximate what the figures are? In trying to defend your claim, they might just give you the info you need (that's if they reply you!) Otherwise, approximate the figure they owe you, put a claim through the courts and see what their feedback to the court is. They either have to file a defence or acknowlegde that they owe what you stated...... Whatever you do don't 'underestimate' the figures though; I'd overestimate it and let them come up with the right figures!:grin:
  18. Hi, can anyone tell me what this means? I've put a claim through for a PPI refund of about 4,000 with Black Horse and they've said on the Alocation Questionnaire that the most suitable track is not the small claims track but rather requested that "...the Allocation & Directions Hearing to be listed to occur by telephonethe track.." In the AQ I sent out I agreed that the small claims track was the most suitable and disagreed that the hearing requested by the defendant was not suitable. Please is there anything else I should do as I have no clue about what this really means?
  19. Hi, just to let those who are on benefits, self-employed or whose expenditure is more than a certain income (isn't that everyone!....just joking!!), you might be eligible for court fee exemptions:grin:. I was never aware of this. Although I've already paid quite a number of fees to put my claims through, most were put through while I was on Jobseekers allowance so I was told I could apply for a refund:grin::grin:......which I did last week. Also, I have other claims I haven't put through simply because each one would cost me around 100.00 so till now I'd put them on the back burner.....but I'm putting them through for 'free' this week before I get a job!! For more info, you can call your local court to send you the leaflet or just download it from the HM court service website or by clicking here Site Helpers, it might be worth putting this up as a sticky as I've read quite a number of threads with CAGERS waiting to have extra cash before putting their claims through.....although having said that they might already know they don't qualify! Thanks!
  20. Just to let you know that my Wasted Costs Order was not granted by the court:evil:! I got a letter from the court on 15/1/08 saying "the District Judge has decided you are only allowed to claim fixed costs on your request". What I will be doing going forward is putting any wasted costs in with the new claims I'm about to put through......At least that way, the costs will be in from the beginning of the claim...........let's see how it goes!
  21. Just to let you know that my Wasted Costs Order was not granted by the court:mad:! I got a letter from the court on 15/1/08 saying "the District Judge has decided you are only allowed to claim fixed costs on your request". What I will be doing going forward is putting any wasted costs in with the new claims I'm about to put through......At least that way, the costs will be in from the beginning of the claim......
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