i have the readycash account so does that ,ean i cant claim interest as dont have an O/D?

well i still havent filled in the spreadsheet. just looked at it and thought "what". i am considering getting legal help and paying somebody to do it for me. i think that will be the easiest option. can anyone help with the spreadsheets?

bazak1 i am in the same boat as you. i am at my aunties house as i dont have word at home. i am confused too. do you put in every amount paid or just list the charges that we have occured? also what interest rate are you claiming for?

i have recieved my responce to the S.A.R - (Subject Access Request) and there is an address on the bottom it says any queries to be sent to this address. it is cap ones legal dept. is that where i send my next stage too? Also i got some print outs for 1 year worth of statements and then some screen print outs that are headed with activity browse and memo lists. I cannot see if there are any more charges added after the year, which im sure there are as i never paid the balance off til 4 months later? can anyone help. it says action amount and action date? also contractual interest is that 34.9% tia diggs:)

oh i didnt think to claim back interest. its around 29.9% or maybe more.

i have recieved my statements from welcome finance detailing charges against my account. looking at the next stage which is asking for my money back, do i just edit the letter where needed?

do i use the form with contractual or compounded interest?

as far as im aware you only need consent from one of the account holders.

i have had the same problem too. i also recieved the exact same letter. i rang up sp as i had just moved over to british gas and they said that someone had tried to access my property 3 times. I recieved no letters to say they were coming and they left no letters/cards to say they had been. I asked when they had come and they had actually came when i was in (daughters birthday) and i know i never went out. they said i must not have heard them knock, what an excuse. I actually think that they never came at all as the other day i recieved a letter to say they were coming to change the meter. do i still have to pay mine?

i can find them, just cant open them.

when i try and open the spreadsheet to put charges on it wont open. i have tried all of them and none of them will work. maybe i havent got the right programmes on here?

the address they gave me the on the phone was Capital bank 3rd floor charterhall house chaterhall drive chester ch88 3an they said address to collections dept but im not so sure that is right? anyone know?

its finance on a car.

i cant open the spreadsheet:(

i didnt send the template letter from here, i just wrote a short letter asking for 6 years statements. tbh i dont think i have many more charges going back to over 6 years as i was always good with my money then.