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Long gap between 2nd request and MCOL ??


MadMat
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A quick question if I may chaps,

 

Last novemeber I started claiming against capital1, I send a SAR, PReliminary request and LBA, at which point I was given a partial refund by cap 1. (the usual reduction of each charge to £12).

I replied to that with a rejection letter. but never followed up with a Small claims court claim as I had a large (genuine, not charges) balance on the card at the time, that I couldn't repay had they closed the account in retaliation, which they had done to a few people at the time.

 

Now, 5 months later, and thanks to successes with other banks I've now cleared that balance, is it too late to claim the rest of my Cap1 charges?

 

Can I wade straight in with a claim as I have done the the SAR, Prelim, LBA stages already?

 

Mat

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I would suggest that you issue a second LBA stating that you are continuing with your claim against them, offer them 7 days to respond and make them aware that court proceedings will comence if the matter is not resolved within this timescale.

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Hi Mad Mat

 

You can still go and get your charges. Did you ever claim Contractual Interest?..

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I don't think I can claim contractual interest, or at least I wouldn't know how to calculate what was due as I cleared the account down to £0 several times during the period when the charges were applied.

 

Mat

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