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rob14973 v Barclaycard


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Thanks michael thought i was wrong.

 

Was my poc ok i was just unsure about the cash advance rate. As im not using the cash advance rate to claim.

 

Also can i word the value secton any better than this as i dont think it looks right

 

Charges £xxxxx

Interest on charges £xxxx

contractual interest total £xxxx

Court Costs £xxxxx

 

Total £ xxxxx

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

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Hi Michael

 

24.9% is the apr of the card. Im not claiming the cash advance rate.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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Sorry bit slow on the uptake, just amend as below.

 

The Claimant believes this rate to be justified under the principle of mutuality and reciprocity and is based on the Defendants Annual Percentage Rate that would be applied under the terms of the above mentioned account.

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No this is for s69 interset at 8%

Daily rate is your charges X 24.9% divided by 365

 

eg £2950 x 24.9% =734.55 /365= £2.01

 

Also if it was s69 interest it would have only been total charges x 0.00022

 

not charges and interest total x 0.00022

 

If I remember rightly.

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  • 1 month later...

Right well i have been delayed with my court claim due to finances. Its probably 2 months since i recieved a reply to my LBA and i am now ready to file for mcol. Will i have to send of my LBA again or will it be ok to file mcol? any advice peeps

 

Thanks

 

rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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Yeah thats the route im going mate its all done written up im going to send in 2morrow.

 

Thanks

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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  • 3 months later...

Hi

 

Been a fair while since i last posted. I have still not sent my mcol due to cash flow after been made redundant from my job.

 

I know have a job again and want to continue with my claim. Its good four months since i recieved a reply to my LBA of get lost.

 

Can someone please advise me if its alright to go straight to mcol after such a long period after receiving a get lost letter.

 

Thanks

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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  • 2 months later...

You can continue with a claim for approx 6 months after lba. Any longer, its advisable to start again.

 

Also please DONT use mcol.

http://www.consumeractiongroup.co.uk/forum/barclays-bank/110545-urgent-all-mcol-claims.html

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi

 

Thanks for your reply. Im going to start again to be on the safe side.

 

During the my first attempt with barclaycard they offered me £356 the difference between the £12(OFT recommondation NOT!) and the actual charges.

 

Anyway cos im starting a new claim do i just remove £356 worth of charges of my spreadsheet??? when i start again.

 

Regards

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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You dont need to start again, you are fine to carry on.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi

 

Im confused now. I have looked at the date of my LBA and its was dated in mid december. You said in your last post if it was older than six months start again.

 

It is easier to carry on but hope it dont effect me when i go to court.

 

So shall i carry on or start again ?? What would u do lady?

 

Regards

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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I have looked into it more for you, and yes carry on.

 

They have had 9 months to get back to you to sort it out. So its time to file.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Thankyou i will be filing a claim early next week i will keep you posted.

 

Regards

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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