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mozstar

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About mozstar

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  1. Letter before action: I will be posting this new letter on Wednesday, so once again if anyone has a chance to read through this and has any comments to make before then I would be very grateful. 25/4/2007 Robert Udy Executive Office Manager Capital One Services Inc. Trent House Station Street Nottingham NG2 3HX LETTER BEFORE ACTION Re. Account No. XXXX XXXX XXXX XXXX and Account No. XXXX XXXX XXXX XXXX Dear Mr Udy, I am very disappointed that you have failed to respond to my previous “Response to settlement offer” letter dated 16/02/2007. I unde
  2. Firstly my apologies Elsinore for not acknowledging your previous response to me - for some unknown I just didn't know it was there! OK - so I decided to make sure my claim is as tight as I can make it by issuing another, final letter before action that brings the two accounts back together again, and including two new schedules of compound interest that bring all the figures up-to-date. I will be posting this new letter on Wednesday, so once again if anyone has a chance to read through this and has any comments to make before then I would be very grateful. One thing to note is that
  3. I've begun filling in a Money Claim Online form to finally take Capital One all the way, but I have a question about how many times I should have sent them my schedules. To bring things up to date, I've sent a prelim plus a rejection-of-offer letter and a letter before action. Now I have come to Money Claim time I was just reading through the FAQs again and saw this advice: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html?garpg=9 I only included schedules with my second letter (the response to settlement) not with my prel
  4. I've begun filling in a Money Claim Online form to finally take Lloyds TSB all the way, but I have a question about how many times I should have sent them my schedules. To bring things up to date, I've sent a prelim plus a rejection-of-offer letter and a letter before action - the latter because confusingly Lloyds split my initial claim covering both my bank account and my credit card into two separate claims and two different people contacted me about each bit. I therefore replied to both parties individually - to the bank account person to reject their settlement offer (which has been
  5. Hi thanks for the reply - sorry I should have explained I meant contractual interest rather than statutory: do you think it's too late for me to change my mind about wanting to challenge them on this? I have only sent a prelim letter so far (which didn't include interest as I followed the BBC guidance and hadn't discovered this forum). Don't get me wrong I am happy to have won my charges back, but considering the illegality of what they are doing I would be even happier to take them on for the extra interest.
  6. OK well ironically a Michelle Dodd at the Halifax just phoned me and offered £90 of the £120 they owe me. I told her I wouldn't accept and that I would be prepared to go to court and I would be adding on interest. She then said that they wouldn't pay the interest but they would give me the full £120 to stop me going to court. I accepted at the time because this is the smallest of all the claims I have going and I figure it would be a lot of work for a smallish amount. However I'm now thinking I should have held out for the full interest which I've just calculated and which more than doub
  7. Well I've had a couple of bland 'we are investigating your complaint' letters from Halifax, and it's time I moved this on. I've decided to add on compound contractual interest at the unauthorised borrowing rate: can anyone please tell me what Halifax's current rate is for this? I'm no longer with them and I can't find it on their web site. I was going to send the following letter, so if anyone has any comments or advice before I send it please let me know. Your help would be much appreciated! 13/02/2007 Mr Stephen Childs Senior Review Manager Customer Relations Halifax
  8. Well Capital One have made me an offer which I am rejecting, and I am also adding on compounded contractual interest. Can anyone please verify what their rate is for unauthorised borrowing as I'm having trouble finding it:?: The following is the letter I am going to send once I have completed my spreadsheet. If anyone has any comments or advice please let me know before I send this off on Wednesday. Cheers! 13/02/2007 Robert Udy Executive Office Manager Capital One Services Inc. Trent House Station Street Nottingham NG2 3HX Response to settlement offer.
  9. Well I think Lloyds might be aiming to put me off by confusing my brain: first they send a letter refusing to repay me anything, then out of the blue they write to thank me "for getting in touch with us again" (I didn't) and offering me partial repayment - which they put into my account the next day. I am rejecting the offer and also (as mentioned in my last bout of posting above) adding on compounded contractual interest. I believe Lloyds unauthorised rate is 29.85% - can anyone please verify this as I can't find it on their website? The following is the letter I am going to send o
  10. Yes I've just been reading your thread (but not yet finished, wow what a saga!) and I have to say it's really inspiring stuff. This forum is one of those classic things which thoroughly justifies the usefulness of the web and has made my brain go all gooey in a way I haven't felt for ages about how it can help empower us all! Going for the full whack interest rates will be worth it so I can make a decent donation to put something back I reckon. But I see now what a long path it will be. :o
  11. Hi AWC Do you think so? I've seen advice on the forum in favour of including it in prelims and in LBAs - why do you think it will make me look like I don't know what I'm doing (apart from the fact that I don't right now!)?
  12. That's interesting Lucid, I'll have to read some more (so much to read here, so little time!). But to bring me up to speed can you explain your point about "no claims have been resolved" with Lloyds? I take it you mean claims including contractual interest, but how come they are taking so long? I see your hearing is four months after Lloyds registered their defence. Good luck, I shall follow your progress with interest...
  13. PS. No actually I haven't heard anything from LLoyds yet, nor Capital One - Halifax did send me a letter assuring me that a customer services manager would call me within 4 weeks!
  14. Thanks for the advice Elsinore. I just need to find the time to calculate the interest before this Friday, which is the deadline from my prelim letter. I don't suppose the banks will care though if my LBA is slightly delayed! I just have to decide whether to go for it at the authorised or unauthorised rate. Is there any poll on the forum anywhere which shows how many people have claimed for which interest rate, or even for none?
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