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Help with Prelim


ajh021
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Hi all,

 

I have used the spreadsheet template and added all the charges owed.

They total 564.00

 

For credits cards, do i ask for the 8% interest now in my letter, and send them the Interest on Penalties spreadsheet too.

 

Also, when do i ask for my £10 SAR fee back.

 

I am not asking for contractual interest , as seems too complicated.

 

AJH021:confused:

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Hi

 

If you wanted to add contractual interest, then the spreadsheet will work it out for you. You need to ask Capital One what the rate is on your card. It can make a big difference to your claim total. If you do want just the 8%, you add that at the court stage through the N1 form or MCOL. Some people have added the 8% interest from the start of their claim, and some banks have paid it.

 

You can't get the £10 fee back. They are entitled to charge that for the service of supplying your data.

 

Uk

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  • 3 weeks later...

Hi ,

 

Recived a reply to my prelim sent.

They are redusing the fees to £12 and and say they have refunded the account with £168.00. This still mean we are over the limit.

 

The charges claimes are £564.00.

 

Next step.

Do i send the LBA and a letter accepting their offer as partial payment?

 

AJH021

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There are Rejection letters in the bank templates library. Links below. Tell them to refund all of it or you will take action in the courts if neccesary.

 

Uk

  • Haha 2

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Send them separately.. a couple of days apart, but stick to your timetable. You are in charge..

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Just an update.

 

I sent my rejection letter on saturday, and advised them i will accept there offer as a partial payment.

 

LBA to go off on Thursday.

 

Do we calculate 14 days, or 14 working days??

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