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Hi all

 

Just started a claim for the good lady sent of the S.A.R - (Subject Access Request) and I am awaiting the information. Got a couple of questions so here they are.

 

1. Why is it a good idea to get your CCA (I assume that means Credit Card Agreement?) I am in the process of a claim on our other C/C from the MBNA and I never bothered?

 

2. As I have said have a claim with the MBNA (we did that one as a test to see how easy it is. Found it easy so started this one.) I was very unsure a bout the Contractual interest side of things so I did not bother with it on that claim as I was new to the whole thing. Can any one point me to a good thread on it and a dummies guide as how to work it out as I found I did not have the date’s interest was applied to my account last time and opening balances to put into the spread sheet?

I ment to ask for help with the interest on the charges part of the spread sheet any help would be good. thanks again.

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Hello

 

There is a link to a spreadsheet here:

 

http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

This will work out Contractual Interest, you just need to change the % APR.

 

If you ask for a CCA, it would tell you if you have an enforcable agreement. Capital One, amongst other banks, sent out application forms as full credit agreements. These are therfore unenforcable as the terms and conditions, signatures etc are missing.

 

Have a good read of this section :

 

http://www.consumeractiongroup.co.uk/forum/general-debt/83035-guidelines-requests-original-agreement.html

 

uk

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Hi uk

 

Thanks for that.

 

The spread sheet seems nice and easy to use. When i put the claim together i will be using it and the Guidelines answered a few question as well.

 

Just on the point of the interest if/when it comes to a court claim do i also add the 8% court intrest to the cliam??

 

Thanks agin

 

Ivan

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If you are claiming Contractual Compounded Interest then you can't ask for the 8%, even at the court stage. When you file your claim with the court, you must add in your Particulars Of Claim, an alternative rate of interest for the judge to consider, if he or she thinks Contractual interest is too high.

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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