thank you slick132, i will do that do i change spreadsheet heading to schedule of charges or leave everything as is? [ATTACH]60120[/ATTACH] thanks

Claim From: 18/03/2010 Claim To: 02/11/2015 Interest Rate (APR): 24.90%

that's what the spreadsheet calculated at 24.9%, see below - CLAIM CALCULATION Total of Charges £636.00 Compound Interest £685.18 Total £1,321.18

is this spreadsheet ONLY for interest calculation purpose? Or can i print off as is and attach with letter? thanks

yes very surprised at 24.9% gives me £685. i just thought they would be more inclined to settle fast without the interest, trying not to be greedy ONLY want back what they taken off me

Thanks for the link for the spready. Earliest charge march 2010, and totals £624 excluding interest. I think I would be happy if BC refund full charges only, guessing for the interest i would have to involve the courts. I was thinking I would include the schedule of charges but without interest and add a sentence on the prelim letter that unless they refund charges in full within 14 days, I will take them to court and not only claim full charges but also interest and costs. Does that sound sensible? Thanks again to all.

thanks for the reply fkofilee, sar already done, have worked out total amount i need to claim. not sure if i need to include schedule of charges with prelim letter thanks

I m trying to claim back charges on my barclay card. I found the prelim letter to use, but not sure if i should include an soc. If this needs to be included with letter, is there sample / template of this on cag site that can help me prepare my soc. Thank you A S

hi i wonder if anyone can help / advise i had mortgae with gmac. i was entitled to housing costs benefit from DSS and this was paid direct into my mortgage account by DSS. in nov 09 they wrote to advise that because of the recent court ruling about unreasonable charges i m entitled to 16.25 refund. i had a quick check on my sttements was surprised they charged me nearly 400 pounds. i called them to ask how they arrived at 16.25 as its actually nearly 400 pounds. they explained as there was a partial payment made into the account every month by dss i am not entitled to any refund. in one month there was no payment made at all so i am only entitled to refund of the charge for that month only. is there anything i can do? thanks a salique

how long did it take to get the information under data protection act? when you apply for this info do you need to qute any act and do you apply at the address where the letter for interview came from? thank you very much

Thanks for the quick answer Steve. I found sample letters for banks and credit cards but nothing for catalogue companies - can you plse tell me which one do use for littlewoods catalogue. Thanks again.

Hi All I just like to find ot if itspossible to cliam the following charges - Littlewoods (Catalogue) - Late payments GE Money (Mortgage) Failed D Debits Gmac (Mortgage) Failed D Debits Plase also advise which letter to use Littelwoods. i already have statements showing charges. Thank you

Littlewoods - Late payment charge GE Money (Mortgage)- chages for failed D Debit GMAC RFC(Mortgage) charges for failed D Debit I WOULD LIKE TO KNOW IF ITS STILL POSSIBLE TO CLAIM THE ABOVE CHARGES. THANK YOU

thank you all for your time and help.

Thanks reesdance. To be honest I was not too concerned about the interest, (about£340) from the start regardless of the amount, just felt interest was not my money that they taken and all i wanted was retrun of all the money they taken plus court fees. How you getting along, did you speak to cobbetts about settleing minus interest All the best asalique