Drew v Capital

[jubaxt]

right-cat

 

click on file in top left hand corner of s/sheet.then clickk on copy spreadsheet-it should open up for you

 

then click on each box

1)enter your name

2) enter acc no ,bank and sort code

3) put in your % rate

then put in your charges

 

any probs-pm me-xx

[andyford2000]

is it best to pursue this claim and then go after PPI or both together

[cat-lancs]

thanx alot jubaxt... ive done it

 

sorry 4 hijacking the topic

[andyford2000]

hey Cat dont worry about it

 

can i ask what interest rate you used

[cat-lancs]

same as yours... 34.9... i copied u lol

[andyford2000]

well done

 

my claim is just £1000, but with 34.9% interest it takes it up too £2467.00 just hope i have don it right

 

I take I should send my prelim letter asking for the full amount

[andyford2000]

is this address to send the prelim letter too, if so, its a PO box, how do you send a registered letter to a PO Box Number

 

Do I also send my CCA request there, help anyone please

 

Executive Office

Capital One

PO Box 5281

Nottingham

NG2 3HX

[cat-lancs]

my claim is only £120.00 with capital one and £831.00 with the halifax, i wish they'd charged me more now haha

[andyford2000]

does anyone know if this test case covers credit cards or just the banks

[ukaviator]

On your statements you should see purchase interest and cash interest, left hand side below the transaction box. Add these together and divide by 2 for an average.

 

So : 1.850 + 1.904 = 3.754% -: 2 = 1.877

 

There was an APR Calculator that we used here which no longer is avaliable, so will have to find an APR calculator to give the actual figure to use. I will have a look round.

 

Hope this helps

 

Uk

[andyford2000]

i have used the 34.9% as advertised on there site, havent got statements, only print outs they sent with my SAR

[andyford2000]

help, confused here a bit about compound contractual interest and interest in general

 

I am about to send off my prelim letter and and wondering about the interest to charge them.

 

I really am confused, I have used vamps template 13 and entered the interest as 34.9%, is this correct and will capital one pay it .

 

whats all the 8% thing i keep reading about.

 

or am i right in thinking they will only repay the original charges and no interest.

 

comments please

[ICY]

does anyone know if this test case covers credit cards or just the banks

 

 

The "test" case has nothing to do with either credit card claims or business account claims

[jubaxt]

right andy-you have a couple of options but you need to make it clear which option your going for in your prelim and lba

 

1)claim cci-for this you add up all your charges-add cci rate into spread sheet and claim it-cap one dont generally pay cci without a fight-i claimed this using 29.9% as that was the rate they charged me-if you go for 34% and it goes to court the judge may ask you why you claimed 34% when cap one only charged you say 29%.they havent offered me cci!!

 

 

2) calim stat 8% interest-for this add all your charges and send ONLY these as your claim.if it goes to court you then do a spreadsheet with your poc and add 8% into it but only at this stage, so basically your just claiming charges until you file n1 or mcol and then add it in!!

i'm just claiming stat on my other claims freom now on.

 

hope this helps

[jubaxt]

i understand test case does NOT cover credit cards,loans.business accounts or mortgage accounts so you can still claim for these

[andyford2000]

here we go,

 

I have had a response today from Cap One offering me £340 and a further £30 as an acknowledgment of interest.

 

they also stated that i signed a credit crad agreement which I agreed to the terms and conditions.

 

I am actually claiming £964 in charges and £752.77 in interest.

 

what should i do, should i wait for my CCA request to be returned then reply, or what

[andyford2000]

bump anyone

[andyford2000]

bump again

 

help please

[cat-lancs]

I'd ask for more coz I'm greedy, but then again I don't know what theyd say. I'm still waiting for a responce from them.

Sorry I can't help, all this baffles me

[andyford2000]

some help on what to do next would be welcomed

[Dispirited]

Hi,

 

I've been reading up on the Cap1 threads and advice seems to be - 'REJECT'

 

Have a look at Electric Lemon's

http://www.consumeractiongroup.co.uk/forum/capital-one/77148-electric-lemon-capital-one-5.html

 

 

Also, have a browse here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Hope this helps.

[Dispirited]

andyford, have a look at the successful claims link:

 

http://www.consumeractiongroup.co.uk/forum/capital-one/32601-successful-claims.html

 

then you can search and browse the threads.

[ukaviator]

Hi Andy

 

You should send the rejection letter, and ask for it all back. There is a template in the Library.

 

Uk

[andyford2000]

not sure about the interest thing, i have added interest on from day one the charges occured is this correct and what is the chance of them actually repaying it.

 

i have also requested a CCA from them on the 8th of August and have had nothing back from them regarding this.

[beetlejuice]

Drew.

 

I have a spreadie that should sort it out for you it's an amended Mindzai one which will calc interest they charged you from date of charge you need your statements so you can input rate of interest. My T&C say purchase rate of interest will be applied to charges so I use this(it varies depending on statements and how far back you go.

 

It can then calc CCI I have used 34.9% based on agreeing with C_Allen vs Crap

 

you can follow my progress at link below. I'm just about to send prelim request so I'm a little behind you.

 

Good luck

 

BJ

 

http://www.consumeractiongroup.co.uk/forum/capital-one/90572-beetlejuice-capone.html