BB V Capital 1

[british bulldog]

sent the SAR on 19/01/07.still early days i know.

 

limit £200

balance £982

[ukaviator]

A lot of charges there. Let us know when you get your information and statements. Don't forget to add on Contractual interest when you fill in the spreadsheets. Have a read on the other threads about that.

 

Good luck

 

Uk

[millymollymoo]

Good luck !

 

They are a great bunch on here:D

 

Milly X:)

[british bulldog]

Just got my statements through this morning,and am confused as ever.

i have been charged the following.

overlimit charge £20.00

late payment fee. £20.00

these add upto around £500.00

this is charged every month until a couple of months ago,when all they are charging me now is £12.00.

i also have a purchase interest which is different every month and a cash interest.

do i claim back all four charges or just the overlimit and late payment fees.

do i put the contractual interest on.all the rates are different,do i choose the highest one

[rougesept]

Hi BB,

 

You can only claim late payment and overlimit fees. I would choose your current rate of interest and apply it to each charge. Use one of Vamps (look her up) spreadies, it does all the work for you.

 

Rouge

[british bulldog]

ive looked on cap 1 site.the card i have is at 34.9%.

total charges.£500.00.

for the contractual interest do i just times the 500 by 34.9%.

when im making out the statement is it

overlimit fee £20.00,date,34.9%

late payment fee £20.00,date,34.9%

and so on

[rougesept]

Hi BB, I have the same card but I rang Cap One and my APR is nothing like 34.9%.

 

Rouge

[british bulldog]

thanks rouge,so what apr will you be using.

[british bulldog]

need help with the spreadsheet please.

in the column that says 8%,do i change that to the interest i have been charged.ie.34.9%.will it calculate everything for me then...

[british bulldog]

is there anyone here that can help me with the charges.please

[syrill-sneer]

Yep, just change that 8% for 34.9 and the spreadsheet does the rest, but make sure that 34.9% is your correct apr. Have you have Cap1 and asked them yet?

[british bulldog]

no,not asked them,but im sure thats what it was when i took the card

[rougesept]

If you only change the 8% spreadsheet for 34.9% you're still only claiming simple interest not contractual (compounded daily). I would do a bit more reading around the site about which you want to go for before you begin.

 

Rouge

[british bulldog]

thanks rougesept,i thought that was contractual.which way would you say was the best

[british bulldog]

I think ive just worked out the interest on one of vamps spreadsheets.

ive used compounded contractual interest.

cap 1 say i owe £500.00 in charges.ive done it at 34.9%,and it comes back with a figure of,£625.93.

does this sound about right.

[british bulldog]

i am working out interest with one of vamps spreadsheets that are on google.

i would just like to know what to put were it says

CLAIM DATE.

is it todays date or the date when the interest started.

[TANZARELLI]

i am working out interest with one of vamps spreadsheets that are on google.

i would just like to know what to put were it says

CLAIM DATE.

is it todays date or the date when the interest started.

 

What sheet are you using and are you claiming 8% or CI?

[british bulldog]

not sure what the sheet number is,but its the one for credit card with compound contractual interest.

[TANZARELLI]

not sure what the sheet number is,but its the one for credit card with compound contractual interest.

 

PM me your email address amd I will send you the one I have used as an attachment it will automatically read the correct date and changes each day. Not going to be home until after 10.30pm so it wont be till then.

 

HTH

 

Tanz

[british bulldog]

just about to put my claim letter in the post.

this totals up to £739.88

keeping everything crossed

 

 

 

 

threads merged

please keep to the one thread for each claim this is for your benefit as you will recieve much more informed advice if people can see at a glance what you have done so far

Thanks

[british bulldog]

with this account being in dispute with a dca,do i still send the payments to them.i sent the letter asking for the aggreement and the 14 days have passed and still no reply.

[pmhcfc]

with this account being in dispute with a dca,do i still send the payments to them.i sent the letter asking for the aggreement and the 14 days have passed and still no reply.

 

BB- you are asking for the £12 charges to be refunded as well aren't you? Every charge is reclaimable, even the £12 one's.

[TANZARELLI]

BB- you are asking for the £12 charges to be refunded as well aren't you? Every charge is reclaimable, even the £12 one's.

 

Thats right.

[british bulldog]

no,ive not asked for the £12 ones.as i have already sent it off,i assume im to late for that

[Deller]

You can amend the claim total right up until the point of submitting your claim through the courts.