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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
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sirowealot v FD CCard


sirowealot
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Well I've taken the plunge and started a claim against FD for my credit card charges.

 

I'm off to a good start... sent the RFI on 14th Sept, and had a letter dated 18th Sept returning the £10 cheque and sayinig they'll send statements and account notes by courier.

 

No mention of a time limit for this, but I'm encouraged by the speed so far! They even signed the letter properly with a pen, rather than a printed signature.

 

sirowealot

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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  • 3 weeks later...

Received a package this morning via Omega Courier with all my statements and notes. Makes interesting reading as it has all the notes from my old bank account as well going back to 1990... loads of things in there that I'd forgotton (and also a bit scary that I'd revealed so much about what was going on in my life!!)

 

 

I've done the marker pen dance, and found £457 of late charges. So going back to the FAQ just to make sure, then send off the first letter and see what happens.

 

SirOweALot

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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OK, despite reading the FAQs and forum for days on end, I'm still not sure I did the right thing...

 

I worked out the amount on Vamp's spreadsheet that FD owe me £457 in charges (no interest of any kind added, just totted up all the charges they applied) and sent the prelim letter off asking for that amount.

 

Is that right or should I have added contractual interest at this point?

 

If I did it wrong, can I change it at LBA stage and add contractual interest at 1.315% (16.97% annual) by changing the 8% cell in Vamp's spreadsheet?

 

I hate second-guessing myself, but it's the first claim I've done.

 

Thanks

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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Well it seems on reading another few hunders threads that I was wrong... oh well.

 

It seems that others have done this, and then added into the LBA that as the bank haven't replied to the first request just for the late charges back (as a gesture of goodwill), they recalculated adding interest.

 

I think I'll do the same unless anyone else has any thoughts?

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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  • 2 weeks later...

Sodoff letter recieved today from Kate Thornton. Customer Relations.

 

No refund, no goodwill gesture, just write to Robert Kernaghan to complain further.

 

I was rather hoping for this as it means I can add the interest I forgot in the first letter.

 

OK then... one LBA letter in the post to Robert, this time with the contractual interest amounts added on...

 

£457 + £195.45 = £652.45 and counting... that nearly clears the card... woohoo!

 

SirOweALot

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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Sounds like it's all going to plan. Good luck and keep posting.

Matt

 

First Direct: £6639.77 settled in full

MBNA Visa:

Co-Op Visa:

Capital One Visa:

M&S Financial Services:

IKANO Financial Services:

 

"All the truly great men are dead - and I'm not feeling too well myself."

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Right, here's the letter going out today... I'm using compound contractual rates, and have taken into account the interest rates showing on the statements where the charge is made. This is due to an ongoing discussion that can be read here http://www.consumeractiongroup.co.uk/forum/barclaycard/22690-contractual-interest.html

 

27th October 2006

 

LETTER BEFORE ACTION

 

Dear Sir,

 

ACCOUNT NUMBER: 1234 1234 1234 1235

 

I am very disappointed with your colleague’s letter of 24th October in response to my letter of the 10th October.

I now understand that the regime of charges which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have applied £457 in levies which I require repayment for, and further I also claim interest as set out in the attached list of charges. I believe interest to be justified under the principle of mutuality and reciprocity. The rates used are based on your monthly interest rates applied under the terms of the above mentioned account for each specific charge. Therefore the total amount owed as of today’s date is £626.49, with interest accruing at a daily rate of £0.24 until the claim has been paid in full by you.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs without further notice.

 

 

Yours faithfully

 

 

 

SirOweALot

Anyone see anything wrong with this before I send it?

 

SirOweALot

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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Letter looks fine. It'll be interesting to see how they react to the idea of contractual interest.

Matt

 

First Direct: £6639.77 settled in full

MBNA Visa:

Co-Op Visa:

Capital One Visa:

M&S Financial Services:

IKANO Financial Services:

 

"All the truly great men are dead - and I'm not feeling too well myself."

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Thanks... well its in the post so we'll soon see!

 

I'll keep you posted...

 

Incidentally, what spreadsheet have you been using for credit cards?

BOS CC1 S.A.R - (Subject Access Request) sent 14/9/06

BOS CC2 S.A.R - (Subject Access Request) sent 14/9/06

FD CC SAR sent 14/9/06, PAR sent 10/10/06 claiming £457, sodoff letter rec'd 25/10/06, LBA sent 26/10/06

MBNA CC SAR sent 14/9/06, reply 22/9/06 looking into it, sodoff letter +£400 GW rec'd 13/10/06

 

Let Battle Commence...

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