Capital One r annoying - help

[reclaimone]

Can I claim for interest applied to my credit card?

Also I have had letter from Crapital One saying the late payment fees of £12 cannot be reclaimed as they are in line with OFT?

 

Anybody out there can help me?

 

Brian:confused:

[chain chick]

The OFT amount of £12.00 is just a guide line, so yes you can claim that back.

 

You can only charge for costs which are a penalty, not for services.

So check up on some of the threads, because if you have paid extra interest due to exessive charges then you can claim it back in CCI. Not that I know about that, only what I have read.

[reclaimone]

Thanks CC.

[chain chick]

No problem. they sent me the you can have £12.00 etc etc.

 

No can do matey - said I, and filed the MCOL claim. I have been told they are defending it. Okey Dokey, I am thinking about buying one of them nice white curly wigs Nah not really, I don't suppose I will get to see the inside of a court room. Didn't with A&L they said they would defend then sent me a chq for £4500

 

Stick with it

[reclaimone]

Keep in touch CC on your claim. I will likewise.

[reclaimone]

Please help - sorry to be thick.

Would somebody give me an example of how to fill in sections on the spreadsheet properly?

 

Trying to claim contractual interest.

 

Statement Balance

Amount Paid (see notes)

Remaining Balance

 

e.g

 

Statement 22/08/03 says balance of 4450.01

Paid out 815.37

Paid in 138.16

 

Thanks

[Trucker]

Ok

 

Enter statement balance. Then look at next months statement work out the difference between the 2. That becomes what you have paid. If the balance has gone up enter as a minus figure

[Trucker]

The statement balance should always equal remaing balance from previous line and vice versa

[reclaimone]

When I put minus figure in an error message comes up!

 

Is there any example spreadsheets anywhere on this site for me to see how they were completed?

[reclaimone]

Anybody got any example contractual interest spreadsheets I can look at?

[ukaviator]

Have a look here at the spreadsheets:

 

VAMPIRESS'S CHAMBERS

 

uk

[reclaimone]

Can anybody email me a finished example - or find one on CAG?

 

Obviously without personal data information?

 

Please help.

[reclaimone]

Spreadsheets: Downloadable Simple & Contractual

CAG

 

Ive tried to find some completed here but link is closed down.

I basically want to see a finished article.

Then I would like to know how to work out the contractual interest rate?

 

Appreciate any help

[reclaimone]

Spreadsheets: Downloadable Simple & Contractual

CAG

 

Ive tried to find some completed here but link is closed down.

I basically want to see a finished article.

Then I would like to know how to work out the contractual interest rate?

 

Appreciate any help

[caro]

The spreadsheets are on this link, but I don't really think that you can claim CI.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Threads merged.

[livelylad]

Thread moved to Capital One forum.