Checkoutdolly V's Cap1 **WON**

[checkoutdolly]

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

[steven4064]

Hi checkoutdolly

 

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

[checkoutdolly]

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

[steven4064]

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

[checkoutdolly]

advanced spreadsheets wont open have got my old one from bank charges but dont know what to change the formula to at the top

what is the interest rate in a decimal?

[checkoutdolly]

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

[checkoutdolly]

bump

[slick132]

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.

[ukaviator]

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?

[checkoutdolly]

Have mailed you sorry I didnt manage to get back on yesterday

[checkoutdolly]

well 1st letter asking for it back and spreadsheet with charges finally done thanks for your help guys just a waiting game now

[checkoutdolly]

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

 

[steven4064]

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)

[checkoutdolly]

I was its on all the statments I recieved

any ideas on a letter I can draft

[checkoutdolly]

should say (it was on all the statements

[steven4064]

Are there other charges too, eg for late payments?

[checkoutdolly]

yes have already sent off my spreadsheet for them didnt see the point in including ppi as i thought I'd ticked the box but when application form came today obviousley i havent

[checkoutdolly]

wasnt my lba but the first one

[steven4064]

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.

[checkoutdolly]

thanks steven will get that done

xxx

[checkoutdolly]

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

[steven4064]

Hi COD, Stick to your timescales not theirs.

[checkoutdolly]

Hi steve thought that was the answer just glad your around to confirm things

thanks X

[checkoutdolly]

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

[steven4064]

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.