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    • In a strange twist of fate he called me yesterday and agreed to refund me on the car. I am due to drop it off on Friday and hope he sticks to his word. I am still going to produce the rejection letter as a safety net in any case.   Thanks to those who have replied on this post. I will keep it updated.   Mark.
    • Hi there my husband has a Vanquis card i applied to get the ROP refunded which they shut me down on this was back in Aug 2018 on the letter they sent him telling him no they did state they would cancel the ROP with immediate effect, roll on to this week and i come across one of his statements and low an behold they are still taking it, so my question as they have still been taking it i have obviously phoned them to get it stopped and the past 2 years refunded do i use the CISheet spreadsheet to work out the interest he has been charged on these payments his statements show a 3.99% monthly which i believe is 59.93% APR can someone confirm my calculations please im a bit rusty, i also have asked them to recalculate his ROP interest refund as i heard some were wrong and i've asked them to re look at the complete refund claim as well whilst they are at it, if im reclaiming the whole lot is this again the CISheet at 59.93% as 1 £5.50 ROP charge from oct 2009 shows £876.77 interest ??   any help would be great not done this for a long time last one was bank charges lol.
    • Hi, if a terminated credit card claim has been struck out by the court, appealed and lost (ie still struck out) - is the balance therefore zero? Can a 2nd claim for the same card (terminated>6yrs ago) be presented against me for a different amount.
    • When did you pay the £20? was it before the default letter or after?  Exact date and to whom the £20 was paid is key to calculating the SB date.  It could be construed that paying £20 or any figure was an acknowledgement of the debt and could re-start the SB clock.   Important to understand the date but I concur with the other CAGers that it is probably not something to worry about.   As an aside I fought (and won) an argument with Lowells over the default date.  They were trying to assert that the Default date was later than it was but I was able to disabuse them of that idea thanks to having the original Default Letter plus also getting it confirmed by the original lender (Vanquis).  They sent me the exact same copy of the Default Notice as part of their SAR response so I say again a good idea to SAR Mint so you know where you are and you are then ready to rebuff any bullshit from the DCA.  
    • Hermes have submitted an AOS.   
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
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      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
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      can u appeal this or should I just accept it?
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      • 16 replies

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Hi all,


I sent my letter before action on the 18th March 2007 and included another copy of the schedule of Charges without the 8% interest charge but with the comment that we required repayment in full and that if Barclays did not fully comply then we would begin a claim for the full amount PLUS INTEREST plus costs without further notice.Did I get that wrong?

I have read a thread by Jonni2bad which says STOP if you have not sent a full schedule of charges and overdraft interest.Is that the same? Does that mean I have to now send Barclays a Schedule of Charges plus 8% interest applied or just proceed to court now applying those interest charges and costs?

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If you have sent your LBA to B's, wait for your deadline to expire [14 dys] and then file with MCOL or N! to your local court.





If I dont reply to a direct question please feel free to PM me.

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