Yes thats correct, you can only claim the Section 69 Interest when filing your claim through the courts. With your first 2 letters did you not send them a breakdown of the charges you were claiming back?

Congratulations kellfi A great result for you, enjoy the spending!!

Just add the extra charges to the bottom of you Schedule/Spreadsheet, the interest will automatically be recalculated. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

In that case you need to notify the court and Cap One that you are proceeding with your claim and persuing the difference between what they've paid you and the total ammount of your original claim (including the Section 69 interest).

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Ignore the 8 week response letter, this is your claim so you determine the timnescales, continue with your LBA if the 14 days from the prelimunary letter have passsed. You don't include the 8% interest yet though, you can only claim this once you reach the court stage.

POC is Particulars of Claim, this is the breakdown of what your claim is when submitting it through the courts.

This is the Templates Library: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ This is for the spreadsheets: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Well the MCOL route would be the simplist option as you can do everything online. http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610 However, if you are claiming quite a large ammount then I would advise you to use the N1 as you can elaborate your POC a lot more. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Hi snowwhite, If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act. If the bank does not respond to your 7 day warning then begin your complaint and start your action.

By saying you've sent the 3rd letter I'm assuming this is the LBA, if this is the case then you should now proceed with court action and either file your claim using MCOL or the N1 form. This is your claim so you decide the timescales, no response from the bank within these deadlines mean you should continue with the next stage.

If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act. If the bank does not respond to your 7 day warning then begin your complaint and start your action.

Best of luck shirley Will watch with interest:)

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Hi chriselaine, You will not need to take up the offer of the court mediation service, this is standard for them to send this out. In regards to the AQ See here: Allocation Questionnaires - A guide to completion You could also propose a Draft Directions Order: New strategy for Allocation Questionaires Other Information - Section G: It's a bit of squeeze, but very important you enter all the details. Include copy of schedule Cheque to HM Courts Service Fee will be added automatically to your claim Send copy of your AQ to DG Hope this helps!!

I'm assuming you've been sent a cheque for your claim but it's not for the full ammount. If this is the case and you wish to continue your claim for the full ammount then use one of the letters in this section. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

I would send one of the letters from this section and persue the remainder. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

It is totally normal for your claim to be transfered for future proceedings. For help with the AQ See here: Allocation Questionnaires - A guide to completion You could also propose a Draft Directions Order: New strategy for Allocation Questionaires Other Information - Section G: It's a bit of squeeze, but very important you enter all the details. Include copy of schedule Cheque to HM Courts Service Fee will be added automatically to your claim Send copy of your AQ to the Bank's Solicitors Hope this helps!!

One thing I will state though. With the court bundle you will need 3 copies so it might be worth holding fire on printing it off just yet as there will be a hell of a lot of paper usuage and it may not even get as far as you having to actually submit your bundle.

If you're at the stage of filing your claim through the courts then YES you can now claim 8% interest on the charges under Section 69 of the County Courts Act. If you enter all your charge details into one of the spreadsheets in the Templates Library this will calculate the interest for you. With regards to completing you N1 this link will help: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

If the 14 day dealine has expired from your preliminary letter then proceed with your LBA, remember to include another copy of your schedule of charges and send it all recorded delivery. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

The court bundle is required 2 weeks prior to the hearing date, so you're a little way off as yet but deffinately worth being prepared in advance. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

It's not uncommon for the banks to retaliate in this way, although the cancelling of direct debits seems a little on the steep side. Are these active DD's which you need to remain open?? Stick to your guns and file your claim through the courts on day 15, they are well aware of the timescales so don't give them any extra time!!

The courts do tend to be dispensing with the Allocation Questionaires, probably due to the simple reason that they all come back the same and therefore the courts are able to allocate the track required without actually having them. Just a little less paperwork for them I guess.