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load of ole twaddle take to point i raised earlier and your statement on your N244 and pull each point of their WS apart as i have done. do not repeat your defence as you have about pointout why drydens are WRONG on each of their points. bottom line is the debt was SB at claimform issuance. and that DN statement. -
Good afternoon Please find below the Microsoft Teams link for your hearing listed at the Weymouth Combined Court, 18th May 2022 at 2:30pm. To join the hearing, hover your cursor over the link below, press the control (ctrl) button on your keyboard and click the left-hand button on your mouse. Microsoft Teams Link: Click here to join the meeting Kind regards Miss Caroline Marshall Tribunal Clerk, CVP Administrator, Digital Support Officer, CFT Administration Officer Weymouth Combined Court | HMCTS | The Law Courts, Westwey Road | Weymouth | DT4 8BS Phone: 01305 752516 Mobile: 07889 410444 gov.uk/hmcts -
put the email up this doesn't seem correct to me. dx
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By moneymagic · Posted
I usually clear my credit card balance by direct debit each month. On 23rd December I bought some wine which I hopped would be added to my January statement for payment in February. Unfortunately, I miss calculated and the wine was charged on my December statement for payment in January. I made three payments in January which were not enough to pay the full amount. I was left with a negative balance of £272.60. I also made a purchase of one item which added £7.50 to the balance. Since I had reinstated my direct debit payment in time for my February payment, the full balance was cleared on 18th February. By my calculation, the £272.60 was in deficit for 57 days and the £7.50 for 30 days. I have been given the daily compound interest rate of 0.0407814%. My calculation is the interest due on the £272.60 for 57 days is (1+0.000407814)57-1 or (2.3513%) multiplied by the debt = £6.41. The same calculation for the £7.50 is (1+0.000407814)30 -1 or (1.2307%) multiplied by the debt = £0.09. I have calculated the days by taking the purchase date from the repayment date of the 18th February 2022. This totals £6.50, but my bank has calculated the interest at £15.64 in January and a further £2.46 in February. I have asked how bank calculates interest but none of the employees at the bank know. Apparently, its too complicated and no employees who deal with customers can provide the answer. My question cannot be escalated to someone who can explain what is wrong with my calculation. Apparently, the computer works it out and that is all that matters (to the bank). I did calculate the daily rate at 0.040435% on the basis that it is 15.9% annually. I used the formula (1+0.00040435)365-1 to confirm an annual rate of 15.9%. The same formula using bank’s calculation produces an annual rate of 16.04%. My calculations may not be perfect but the bank interest calculation is nearly 2.8 times mine. What is wrong with my calculation? -
Hi Caggers, Heart in mouth moment! Just got an email through for a teams meeting tomorrow for a hearing at the combined courts.... With regards to the thread of this post last year in April i did the mediation which didn't work out as expected and then all went quiet on the western front. I moved house about 6 months ago and i updated all of my creditors but didn't think like an absolute imbecile to do the same for the court. I haven't prepared a witness statement, nothing! If this email hadn't of come through i wouldn't of had a clue this hearing was even due to take place. I feel like a right numpty! Is there anything at all i can do at this point?
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