Hi Boing, The banks should provide ALL your statements anyway, irrelevant of the 6 year limit....you request "all your banking history". Good Luck with Morgan Stanley.....They settled with me after my LBA

Im just dealing with my father in laws claim against A&L and I just wondered if anybody has been successful claiming Compounded contractual interest with Alliance & Leicester. Ive had a quick sweep through the successes but short of reading them individually, I cant quite tell if anyone has been successful. Does anyone know if anyone has?

Well done Chezt. I stumbled across your thread a while ago and it made me decide to contact them. Had my transactions etc a week or so ago so I must crack on with them. Likewise, they have credited the £10 for SAR to my account (which I hasten to add has been a nil balance for about 2 years!) Good on you....I shall certainly be referring to your thread to align it with mine (if you dont mind of course!) NOTE TO SELF.....Dont forget to put the blinking extra lines on the spreadsheet for ALL the months of interest

It 14 days but I always allow 2 days for them to receive the letter so I give them 16 days in total. P.S. You not a bit thick....the question are only easy if you know the answers....and so says Chris Tarrant!

Awww shame....its nice to get silly comments in the evening....makes the day worthwhile!

As long as the banks know your bite is worse than your bark!!!!!

lol doo. You doo (lol) make me laugh. I would definitely put a paragraph in about the timescale and file for court if they dont pay up. Also, just a personal thing but I dont like abbreviation in letters so I would put the full wording for CCI (unless you have abbreviated it for this post). In my rejection, I also made reference to the date of my previous letter which crossed in the post. To be honest though I dont think it matters what you put in the letter cos Crap 1 will not pay up unless at court....crikes I better do some reading up!

Yo Brad, cheers. It seems that the strategy from Capital 1 is the same across the board so doubt you will find any surprises.

Hi Doo, Ive been fully rejecting any part payments, especially with view to the current debate that is going on about only going to court for the interest. What cracks me up is that I put in my letter "I am a member of the CAG and am aware of other parties where you have paid full costs and CCI blah blah" and they are still happy to pay the extra with court costs and more interest...crazy! What a coincidence with the letter dates!!!! Glad you dont look like a terrier cos if you went to court...you wouldnt see over the table!

lmao doo! I just replied on your thread! Ive gotta do some readin up now for court stage but hope to do it asap.

lol doo. I too had letter from Cap 1 dated 12th Feb and it came today! I know Royal Mail can be bad but thats taking the pi$$. They confirmed they would not increase their off of half fees to me! We shall see about that then!

Received a letter dated 12th Feb and I only got it today (21.02) saying they are writing back to me out of courtesy as already sent final response and offer of £120 wont increase! Oh yeah! well it will when it gets to court Mr Udy!

Good point Brad, I personally would just start a fresh spreadsheet to be on the safe side

I would just make it clear here that you can only claim the 8% when it gets to court and not before. If you claim contractual, you have to claim it from the outset.

Hi again Peaches. I have just checked with someone and they recommend adding both together so put the total for both in that column. Im logging off now but if you have any more questions, I will pick them up tomorrow. Feel free to send me your updated copy if you want me to check it for you. Happy spreadsheeting

You need to put the actual amount of the interest (£) in the interest charged box. Ive Pm'd you.

Caro, If this reply was in reference to my earlier post, I wasnt suggesting you were a puppet. I was just asking if you have been told to say "accept charges plus 8%" until an announcement is made as it contradicts BF's original post about CI. I just think there should be a clear message from the top, especially to help us newer people on the site who may not have such a large buddy list on here yet. It wasnt meant to cause offense as I said in my earlier post :-|

Hear hear Lucid. Just want to say, if anybody needs a smile by the time they get to this part....read this...made me chuckle....even when I was grumpy! http://www.consumeractiongroup.co.uk/forum/general-knowledge/58505-quick-survey-compounded-contractual.html ok...enough play...carry on the debate

Hi Caro, Thanks for your comments. I understand what you are saying but if they offer 8% and charges, what would be the point of claiming CCI from the outset? Surely the banks will just know about this and offer 8% in every case, in which case I dont understand why BF started the CCI thread in the 1st place.

lol. Well done! I also won Morgan Stanley with CCI and there are so many people that have won claims with CCI that really it should be enough to spur us all on but I think when the mods make comments that contradict what we believe, it scares us as we assume they know more than us!....hmmmn I always say...never make assumptions hey ho!

Oh dear oh dear, this really is starting to become a nightmare! I started my credit card claims and stumbled across BF's post on contractual Interest. After reading it, it made sense to me to claim the contractual interest. After all, why should I pay interest on charges (or when they dont charge interest on charges, why should I pay interest on a balance that is higher than what it would have been had they not levied the charge). It took me a while to fully get my head round the whole subject but I managed to. Then came the spready problem, but once again managed to get my head round them (with a lot of help from bill-k I have to say). The whole process took me ages, meant I had to send revised schedule of charges and gave me a lot of headaches but I was finally happy that I had got to grips with it all. Now all this happens. I did feel confident with my arguement about contractual interest and did think yeah I will do it but now with conflicting information it makes me wary. I have never accepted part payment as i thought I would have a stronger arguement but it seems now that if they offer me charges + 8% then I should accept it....surely the banks etc will just do this to avoid paying out the larger amounts. When I was new to this site, I found it very hard to get answers to my threads but eventually got contact from good ole Bill-k and his support has been fantastic. I now feel as though I have had my right arm cut off and am in limbo with all my claims so have paused action on them all. Even though I think I am confident about the interest claim, losing the support to spur me on has knocked my confidence and despite what different posters say, I am wary of continuing. Natwesttookmymoney - Great post and makes sense but the doubt is whether someone will come along and contradict what you say. Your post in itself would be enough to spur me on but at the present time it doesnt stop the worry. Please lets just have a response from the top regarding this. We all know it is our own final decision to decide which route to take so lets have an announcement regarding the debate so we can just get on with our decisions!!

Dont worry Coll. when you send LBA, which you will as Cap 1 are not known for settling early, just add a bit saying..."whilst waiting for your response I have spent my time thoroughly researching reclaiming bank charges and I now enclose a revised schedule of charges blah blah" or something to that effect!

Yeah Brad, you can pretty much enter an average interest from your balances either side....hang in there...nearly there!

lmao Noo! I can picture it now! lol lol lol :D