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    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
    • you would most probably have to raise a court claim naming the dealership and the finance co as joint defendants. you'd win hands down. @BankFodder is best for confirming this. you don't 'contact them' you WRITE expressly exercising your right under CRA, etc as above.
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    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
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stupid question....filling in spreadsheet


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:confused: hey guys...i am filling in the spreadsheet...but my bank statements don't tell me what the o% interest overdraft limit was for some periods...where can i get this info...or can i leave it blank???

thanks in advance...oh and is it best to claim seperately for a natwest credit card and a current account? or do them together?

 

x

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On your statements, you will see a debit for interest...and an amount next to it, often on or around the same time as charges..this only happens when you are in the red...

If you have none, then yes leave it blank..

as to whether to do them together or separate, I think it is personal choice..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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I have debits for interest, where i am overdrawn, but on some statements it tells me me my rate for borrowing up to a certain amount...on others....it doesnt tell me what my limit was at the time! not even near where the interest debit is printed...am i being dense?

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no don't worry..just ignore whatever it says about the borrowing rate..

If it debits your account with interest then add it to the spreadsheet around the same level as entered charges from that month..

  • Confused 1

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Share on other sites

ok, so i have added the interest charges to the spread sheet and next to some of them, i have put the amount of interest free overdraft i was allowed at the time...but in the others (where i don't know the answer) i have left the cells next to the interest debits empty!

If anyone thinks there is anything wrong with that please speak up...otherwise, its going to be posted!

thanks for your help people!

x

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i have put the amount of interest free overdraft i was allowed at the time...

 

hope i'm not too late...the interest part of the sheet should be something like..

 

date..interest.. your balance...

nothing to do with interest free overdraft...

just the interest charged...and then your bank balance at that date..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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hey thanks for answering, but my spreadsheet, the complex one...has a space for date, interest charged, balance at time, and a space for what the interest free overdraft limit was!:confused:

 

DATE PENALTY APPLIED

 

DETAIL OF PENALTY

 

PENALTY CHARGED

 

CUMULATIVE PENALTIES CHARGED

 

INTEREST DATE

 

INTEREST CHARGED

 

ACCOUNT BALANCE AT INTEREST DATE

 

INTEREST FREE OVERDRAFT (ENTER AS +)

 

INTEREST ON PENALTIES

 

see?! erm (i cut and paste the top row of spread sheet...but this site, just turned it into a list..anyway those are the columns at the top of the spread sheet!

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Hi Bibi

 

I have just filled in my spreadsheet just the way Hedgehog said, making sure that there is only one date per line. I found it easier to fill in if I marked every statement with coloured pens.

Red for the amounts you can't claim back, green for those you can, and blue for the amounts I wasn't sure of. It made it easier filling in the spreadsheet.

 

I have some questions though.

 

1) What the hell do I do now? I have never used excel before.

2) After filling in column D, column E repeated the amount in every row from then on.

It's supposed to show the cumulative amount but that is already shown at the top of column

D Is this right, or should column E be empty?

 

HELP!!!!!!!

 

Maggiebroom

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thanks...but i think i know which charges to put in just not sure if it matters that i can't fill in this column all the way through INTEREST FREE OVERDRAFT (ENTER AS +) ?? anyone??

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I don't think you have to worry about that. I haven't heard of an interest overdraft. And if there is one why haven't I got?

 

Seriously, I ignored that on my spreadsheet, but I daresay someone will tell us if that is wrong.

My overdraft is definitely not interest free.

 

Maggiebroom

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hmmm? I think we were using different spreadsheets??

Have just looked, and they have now added that column..

If you are not sure, then leave it at £0.

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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cheers dude...think i filled in the rest at 2,000 interst free, and the interest they owe me went down to zero!!! so i guess i dont need that section at all!

thanks for your help though x

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