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Checkoutdolly V's Cap1 **WON**


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Have sent off my letter requesting statements with cheque now waiting but reading through all threads see that i need my CCA as well

could someone please give me the link for this letter have searched but can't find it

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Hi checkoutdolly

 

You will find what you want here (they are a bit hidden away aren't they?)

  • Haha 1

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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  • 3 weeks later...

Just recieved my statements from CAP 1 not sure what I can claim for I know I can claim for late payment fees but can I also put in for overlimit fee and the intrest they have charged me?

Plus has anyone got a link for a spreadsheet that works the ones on here either wont open or says server link error broken

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Hi COD

 

Yes you can claim for over limit fees. You can only claim the proprtion o fthe interest that is attribultable to charges. The advanced spreadsheet in the bank templates library estimates that for you

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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This is what is at top of my spread spreadsheet to work out interest at 8% =(C9*0.00022)*E9 can anyone tell me what to change the decimal number to to work out the 29.4% interest Cap 1 charge

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Hi Checky,

 

You could have a look at this link (from Steven's signature) - http://www.shweb.pwp.blueyonder.co.uk/interest%20tutorial.doc

 

Have a look at the SPREADSHEET link under the Credit Card section and see if that works.

 

I don't think changing the % figure as you suggest will give the result you need.

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Hi Checkoutdolly

 

If you get stuck with the spreadsheet, PM me an email address to send you an attachment. I have a good spreadsheet you could use. Are you going after Contractual Interest?

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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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  • 2 weeks later...

sent off for my cca from Cap 1 recieved a letter today saying it will be with me within 5-7 days but they included a copy of my application form

I haven't and on it the PPI box is not ticked yet alway through the account I have been charged for this.

Have sent off my request for charges and intrest but ould like some idea of how and where i stand on getting the ppi back as well

 

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Well, if they charged you for PPI and the box is not ticked, then you should have no trouble in claiming it back (if you actually were charged for it, that is)

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Are there other charges too, eg for late payments?

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Send them another letter saying that you have been snt a copy of your application form and that you did not tick the ppi box but have been charged for ppi. Tell them how much you have been charged and tell tem that you wantthat back as well as the unlawfuk charges you have already reclaimed. Give them 14 days as for charges.

 

Once the 14 days are up, send a LBA for the combined claim. The fact that you have a (cast iron) case for the ppi, should help with the other charges.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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recieved a reply from cap 1 today to say they had recieved my letter and were looking into the defaults it could take four weeks or longer yeah right

so do i keep to my time scale and send LBA fourteen days after first one went

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Hi COD, Stick to your timescales not theirs.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Recieved a bog off letter from cap 1 they have refunded me £160 to my account and £10 for intrest charges incurred so need the link for the the rejection letter pretty please anyone

also said they will not refund the ppi as this was sold over phone on 2nd of december 2002 didnt open the account till 2003 even application form is for 2003

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If you have sent the LBA, you don't actually need to reply at all.

 

I would just send them a one-liner - thanks for the refund, I accewpt as part settlement only, you have x (x being the number of days until LBA runs out) days to fully meet my claim or I file in court without further correspoondence.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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