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POC for CI or s.69 Interest.


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Hi

 

I've reached the claim stage with Cap. 1.

 

Mr. Udy sent the usual letters offering the difference between the charge and £12. When I refused he sent the "tough, thats all your getting letter."

 

I was filling in the POC using the template when I realised that it did not include claiming for CI. I remember reading a POC in another thread which claimed CI or in the alternative s.69. Can someone please post a link to this thread?

 

Thanks

 

Paul.

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ty for posting this as i too need the poc for cci claiming as jus about to start 3 claims all with cci good luck btw

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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hi pb i found this one on another thread thak you aviator hun im going with this one

 

Credit Card Template

Claimant has a Credit Card account

XXXXXXXXXXX with the Defendant opened

DATE ,conducted on their

standard terms and conditions.Claimant is

claiming the return of £XXX taken by

Defendant in the form of overlimit and late

payment charges. The Defendant's charges

are a disproportionate penalty and therefore

unenforceable as they are contrary to

common law.They are also invalid under the

Unfair Contracts Terms Act 1977 s.4 and

under the Unfair Terms in Consumer

Contracts Regulations 1999.Para.8 and

sch.2.1.e.In the event that the charges are

not a penalty they are unreasonable within

the meaning of the Supply of Goods and

Services Act 1982 s.15.Defendant has

declined justification of charges despite

repeated requests.The claimant claims

interest from DATE to DATE

of £XXX.XX at the Contractual Compounded

rate of xx.x%.Total of £XXX.XX

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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just a quick question please what are we ticking when it says the right to claim interest is it no or yes if claiming cci

 

ang xxx

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Thanks Ang,

 

the POC I had read, had an extra line which went something like;

 

"in the alternative that contractual interest does not apply then the claimant requests interest in accordance with s.69 blah blah blah"

 

Has anyone seen this one or have any comments on it?

 

Paul

 

 

PS I would tick the yes box for interest.

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hi hun i done a claim against mbna last night i checked the info about the interest and it was only ref to s69 not cci so have ticked no on this one as i believe mbna dont norm dispute the cci i too had heard about the one with the extra bit but i couldnt find it and my brain was hurting lol so i gave in and used this one but would love the other one for my other 2 claims

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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MBNA have just paid out my claim against them in full, including CI. Unfortunately they paid out after my LBA and I didn't have to file a claim, so this is my first filing with CI.

 

Cap1 seem to drag the whole process out as much as they can so I would like to get this right. The difference between CI and s.69 isn't very much in my claim but I'm going to try for it anyway but if Cap1 paid up with s.69 I wouldn't be too disappointed.

 

You should get your claim sorted with MBNA soon; they're usually easy to deal with compared to some.

 

Paul.

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