Wooooohooooo doo! (I love it when I can rhyme to your name lol) I had court acknowledgement for other 2 claims today so hopefully Cap 1 is following.

Quite right! you dont want the bank to profit from YOUR money so why should these companies profit from YOUR money!

Hi, Even if they dont ignore you, they probably wont offer you a refund initially anyway. I have written 2 letters to them for my father in law and they just say the charges are legal! Pah...what a load of tosh! Try to read the steps on this site and follow them through properly. Good luck to you and like Jo says, start a thread in the A&L forum and you will get more help from people who have been through the same.

Bump - Cmon people, get your sigs on it

BFGB, I think you are tying yourself up in knots here. You cannot claim 8% stat interest until it gets to court so if you didnt claim CI and they offered you all of your charges back, you would have to accept as they have met your request. You cannot refuse as you would be taking them to court for something you havent claimed. You cannot move the goal posts to your own advantage. If you say you will not accept anything less then charges plus 8% interest, then surely you will have to claim CI and when you submit POCs you say that as an alternative to CI, you claim 8% Stat int ifs the judge deems just blah blah.

Thanks for the response hell. Does anyone have the T&Cs for 2002????? Can I get a copy of the application to see if it was recorded that he was self employed?

I know what you mean doo! My other half then moans at me when I wanna watch some telly in bed to take my mind of it lol. Crikes, I still have loads more to do but Im having a bit of a break as I have filed 3 at court and dont wanna end up in court for a whole week lol. Im off to London for the weekend so hopefully i will come back refreshed!

Fab. Some emails are ok and some dont come through, I think it depends how quick it gets updated!

Paintball, Response to your question about N1 (have posted here as it helps to follow the situation under 1 thread) Value part is as follows: Charges XXX Interest XXXXX (Just take out the overdrawn bit) Court Fee xxxx Plus compounded Contractual interest from date of issue to date of judgement/settlement at £0.xx per day OR at such rate and for such periods as the court deems just.

Paintball, I willpost the info on your thread for you.

I have signed. 132 sigs so far so at least you have reached over the 100 mark!

Wow Dannyboy, I appreciate all your help with this. The prob I have to be honest is that I dont know what they charged. My other half defaulted on a loan he had with them because they initially put a bank charge in for a small amount of going over his overdraft. At the time he could only just live on his weekly income so every month he ended up incurring fees on his bank account which meant there was no money to pay the £92 loan repayment. This is when they passed it to BLS. I only have a handful of letters from BLS so I have no idea if he incurred charges. There is also a separate issue with this where he had PPI on the loan too (something else I need to get my head round at some time in case I can claim it back). So I'm not sure what the next step should be. 1 - Complain to LLoyds that they have not fulfilled SAR (even though I never put the loan number on) 2 - Send another SAR to Lloyds for all info on the loan 3 - File at court for the penalty charges on the bank account and then deal with Loan separate. If it was my claim it would be a little easier as I would remember the situation but because its my partners Im a little blind to what happened...and he has the memory span of a goldfish so he's no help lol

Wow Bankfodder, Im honoured to have your reply on my thread. I will insist on it back. I was thinking on those grounds but wanted to double check. I used to work in a benefits section and we were allowed to charge for photocopying etc (not that we ever did) so that was why I wanted to make sure I wouldnt come unstuck. Thanks again

Soz doo....emails not coming through again! In future if you want a quick response its probably best to PM.

Hey doo, glad you sorted out daily rate...I was thinking of you when I went to bed (lol) and remembered that I forgot to say about adding the daily rate line at the bottom of your value section!

Just thought Id let you know that I sent CCA request to Cap 1 and should have had it by 23rd March...guess what? no reply!

Just has a quick squiz at your updates Noo...cant believe they have completely ignored it. Will be interesting to see what the interest comes out at. Good luck with it

Hi Dolly, Do you mean % or £? If you type the next days date (from the one you have used now) the total balance will change by 1 day and the difference is the daily rate in £s (well pence). Mine was 49p based on 22.5% APR. Does that make sense?

Good on you. Finally you can kinda get it off your hands (so to speak). Im still waiting for the court to acknowledge mine. When I phoned last week they said they are really busy and really short staffed...they cash your chq quick enough though! Must be all the bank charge claims coming in via the buses instead of the vans lol

Bloody hell it does too! Right at the bottom of the BLS letter it says "a trading name of Lloyds" So does that mean they are allowed to make charges then when it goes to BLS? Hmnnnn Im not sure what the best way is to tackle this. Just some info to start on any charges would be bloody good. Should I write to Lloyds saying they havent given me all info on all accounts (even though I never included the loan number) or should I send a SAR to BLS then? Thanks both for your help with this.

lol, thats like something I would do. Im terrible for spotting spelling mistakes....I like to take my red pen to documents!

OMG doo, this is getting Scary....you must have been typing on my thread as I was typing on yours! lmao

OMG Doo, we must stop typing on each others threads at the same time...this is getting scary lol. Ive just replied on yours.

Hi Doo, A few checks with the N1....have you put your title? make sure you also include cap 1 addy in the box at the bottom left hand corner of the 1st page and also type statement of truth at the end of your POCs (sounds like you have though) these were all reasons why I had some N1s sent back to me lol. I asked for 8% as an alternative but didnt send the spready cos I think that will lead the bank to offer 8%. If it goes to court you can supply the spready then....thats my view though, someone may advise different....oooh and dont forget to send recorded delivery lmao P.S. Thanks for the click before...only just noticed it x

In the SAR it says we will apply for this back if we discover they have levied penalties. So far I have been told by the companies we cannot get it back. I thought they were allowed to charge an Admin fee for a Data Protection request (photocopying costs etc) so on what grounds do we claim it back?