Too late for claiming contractual

[wendypowell62]

Could someone please tell me if its too late to claim for contractual interest, I have already sent my LBA letter off without it (was going to claim the 8% at the MCOL/N1 stage but thought sod it). Any advise please as Im about to put my claim through.

[sonic007]

HI WENDY

 

I am at the same stage as you, didnt put the 8% on the spreadsheets sent to capital one, have been trying to do my mcol but it wont SAVE have done spreadsheets for mcol with the 8% but dont know if ive done the other daily rate right? been over and over some treads but carnt seem to find anyhting to help me?

[dx100uk]

if this is a credit card a/c you are entitled to claim com int at their int rate.

 

anyhow, you can add/change what you like until it actually gets to court

don't worry. send a revised spreadsheet if you wish

 

dx100uk:p

[sonic007]

do l use the rate of interest at todays %?

[dx100uk]

use the daily rate *12 for APR on your latest statement

use vampiresses no.13 spreadsheet

it will do it all for you

all you need is to create a new google ID.

once done, export it as PDF & print!

 

dx100uk:D

[Glenn UK]

I'm afraid i disagree with the advice given already, if you simply add contractual interest without giving the defendant the chance to respond you may come unstuck at the court stage.

 

So although you can change things prior to court without any cost in monetary terms you should give the defendant the opportunity to respond to your changes.

 

If the change to your claim is significant then it may be wise to consider starting again unless you have made provision in your earlier letters for some changes based on some logic.

 

JMHO

 

Glenn

[dx100uk]

thanks for that, ofcourse it is the gentlemanly thing to do, but i think there is a thread somewhere that says to the effect that as long as you advise the court and the defendent of the change, it is ok?

 

but yes, the over-riding factor here is the monetary significance between the two. nothing like making yourself look a right prat to the judge:p

 

 

dx100uk:)

[ukaviator]

Hi Wendy

 

Follow Glenns advice.. You could amend your claim but you must give the defendant a chance to reply, even if you know what the answer is likely to be.

 

If you amend the paperwork to the court once filed, it will cost £35 for the amendment, which you can't claim back. Best to get it right first time.

 

Uk

[syrill-sneer]

Hi Wendy, I was in exactly the same situation you were in and asked the same question several months ago, and I ending up sending an updated LBA with a paragraph stating that I am now claiming contractual interest along with an updated schdule of charges and gave them an additional 2 weeks before filing a claim.

[wendypowell62]

Thanks for all the advise everyone, I think I will send a new LBA Letter and spreadsheet showing the new amendments, as syrill-sneer did.

Thankyou one and all.

[sonic007]

hi there wendy

 

l have done the same sent the spreadsheet with out the interest on so if l sent them another one with interest on how much % do l put and what colum?

[wendypowell62]

can anyone advise sonic007?