I Won, I Won-----cant Quite Believe It!!!!!!!

[gilly41]

Hi

Well tomorrow I will have the £80 court fees and I am going to file my claim. I have read the Guide to Moneyclaim but cant find the spreadsheet to work out the interest.Another poster has kindly worked it out for me on the excel but I just noted there was one available if you dont have excel.Can anyone help me find it? Maybe I am not looking in the right places. Also I am now well over my limit with Capital One and dont have the monies to pay the balance owing for this month----obviously due to their ridiculous charges over the years!! Shall I try and make them a payment this month? Not sure what to do ? They phoned me a few times last week but I was out----I havent had any calls this week as yet!

Thanks xx

[jonni2bad]

It's in the TEMPLATES LIBRARY called Open Office - Spreadsheet for interest

 

However, there is also an online version if you like.

 

With regards payment, I would suggest that since you are claiming for a substantial amount, you write to them and let them know that you consider the amount owed to be 'in dispute' and that you are currently commencing legal action to recover the funds. You are not prepared to make further payments until a court has decided the outcome.

 

So there.

[gilly41]

Hi Jon

Thanks for your helpful reply---I will get that letter written tonight and posted out tomorrow recorded delivery.

I have found the spreadsheet-----many thanks. I will keep the thread updated.

x

[gilly41]

Hi

Well I have got my £80 waiting in the bank to pay the Court fee and the claim has been written. I couldnt open any of the spreadsheets so a lady on here kindly worked out the interest for me(many many thanks!!) but I still need to work out the daily interest. I found the formula the other day and worked it out at £0.14 but I cant find it anywhere now just to double check!!

Could someone please help me so that I can submit my claim today.

Many thanks to everyone on here xxx

[barracad]

Claim amount x 0.00022 = Daily rate of interest.

[gilly41]

Thanks Barracad---Can I just ask do I include the Court fee in the amount I am claiming when working out the daily interest rate or is it just the whole amount that Capital One owe me in charges plus interest?

Thanks for your help xx

[barracad]

Exclude the court fee. So if the amount you are claiming is £700 as stated in your OP it would be £700 x 0.00022 = £0.15

[gilly41]

Hi

Thanks again.

I am claiming £718 plus interest of £93.88. Do I just work the daily interest out on the £718 excluding the interest?

Many Thanks

xx

[barracad]

Is the interest the 8% interest worked out using the spreadsheet, or the overdrawn interest you have been charged?

[gilly41]

Hi

I cannot access the spreadsheet so a poster kindly helped me. I forwarded her all the dates etc of overlimit fees and charges(plus dates) and she worked the figure out at £93.88.

Thanks again for helping me x

[barracad]

I am assuming the interest you are claiming is the basic 8%, so your daily rate of interest would be excluding this amount.

 

So £718 x 0.00022 = £0.16 daily rate of interest.

[gilly41]

Hi

Many thanks---you have been a great help

xx

[gilly41]

Hi

I am halfway through filling the Court form in. Could someone please advise which box i tick underneath the claim bit. It reads:

Does the claim include any issues under the Human Rights Act 1998 yes/no

 

Also

Do you want to reserve the right to claim interest yes/no

 

Thanks for any help xx

[barracad]

Hi

I am halfway through filling the Court form in. Could someone please advise which box i tick underneath the claim bit. It reads:

Does the claim include any issues under the Human Rights Act 1998 yes/no

 

Also

Do you want to reserve the right to claim interest yes/no

 

Thanks for any help xx

 

Human Rights Act = No

 

Interest - Well we've just been discussing interest and I've helped you work out the daily rate of interest, so after all that I hope you do want to claim interest!

[gilly41]

Hi

Thanks!

I had actually clicked yes on the interest one but just wanted to double check it was the right answer!

Thanks again----I may get it finished by dark LOL xxx

[gilly41]

Hi again

Just to say I have submitted it!!!

Thanks for everyones help xxxx

[gilly41]

Hi

I have been trying to post details on the litigation bit re my claim but it wont allow me access!!!

Anyone know why?

Thanks xx

[Tinkerbelle]

You have to email details to Bankfodder

[gilly41]

Thanks Tinkerbelle----I will do that now!!

Well done with your claim----I am really pleased for you xx

Fingers crossed I can get a good result too!!

xx

[gilly41]

Hi

I have received a letter from Northampton County Court today stating that my claim was issued on 1st June and it will be deemed to be served on the 6th June.Capital One has until the 20th June to reply------so fingers crossed

Thanks xxx

[breadline]

good luck Gilly

you are my flag lol im not at money claim yet.

so go get um girl

[gilly41]

Hi

Just to say I have received a "Notice that Acknowledgement of Service has been filed".It is signed by Wendy Star and it states that they intend to defend all the claim. This was signed June 5th.

Can you advise what I need to do now? Am I right in thinking I just wait and see what happens now(fingers crossed they will pay up!!!)

Thanks xx

[jonni2bad]

Yes, sit tight.

 

They will either submit a defence and there may be need to fill in an Allocation Questionnaire, or they will offer to settle, or finally they will do nothing and you win by default.

[gilly41]

Thanks Jonni for your reply---I will just sit tight!!

 

I have received a letter from Capital One today offering me £312 which they are going to add on to my June statement!!This is, apparently, the difference between the £20 fee which they charge and the £12 that the OFT recommend!!!!

Getting closer LOL!!!!!!

xx

[gilly41]

Hi

Well I submitted my claim on the 31st May and I am still waiting!! Should I have heard by now do you think?

Thanks

xx