Mines a Labrador, the other a Shar Pei. What do I need to prove? Clothes smelling of seaweed? loss of dignity? or that my dog was actually involved, and on a lead?

Renegadeimp The other dog came to sniff bits, I suspect, but as my wife was on the ground, having slipped on wet seaweed, possibly our dog went into protection mode. Having spoken to the local police dog handler, his view was, 'Your dog on lead, other dog loose, responsibility for control lies with other dog owner, therefore they will be very lucky to get judgement in Small claims court.' Happy to compromise, I pays for cleaning wifes clothes because of smelly seaweed, and compensation for loss of dignity, and he pays his own vets bill, and puts his dog on a lead if it will not obey his commands!

The proof is only the vets bill. If one takes your version of Under control as being on a lead and muzzled, why do the police or dog wardens not take action against every dog owner who fails to muzzle their dog? And why is a dog on a lead not considered more 'under control' than one running free?

My wife took our Labrador out for a walk on the beach. He was on his lead. Another dog came towards my wife, and because my wife was walking on seaweed she slipped when he pulled. She did not let go of the lead. The two dogs had a coming together, which resulted in the other dog getting bitten. The owner has now present me with a bill. While I agree that my dog was the cause of the injury, he was at all time on the end of short lead (3 foot long) which my wife still had hold of, whilst the other dog was running free. Why should I be responsible for the other owner not having his dog under control? How do I respond to his bill?

I put a complaint in against NatWest in Feb. I have a letter from then dated 23rd Feb saying a case manager has been assigned and my complaint will be investigated. Today 31st may, I am told that all complaints are dealt within in date order, and I have yet to be assigned a complaint handler, and they hope to respond within 4 weeks. (Some 14 weeks since I first complained!!) The member of staff I spoke to did advise me I have the right to go to the FOS. So my suggestion to you is SAR the documemts NatWest have, and then get onto the FOS, as all the time you wait for Nat West to extract their sticky fingers from your affiars is going to costs you dearly!

Okay. Opus offered £434 for charges (six years worth) plus £115 interest - calculated @ 8.% Using spreadsheet I found on this site, the interest at 34.5% would be £920. What would the FOS offer?

Sorry, repayment of penalty charges.

Hi Would I get a better settlement from the Finacial Ombusman than the offer made by Citi/Opus?

Hi Following my prelim letter, I recieved a very generous, full and final offer of less than £60!! Not bad when the prelim letter caim was for £2600!!! It is, after considerable soul searching and thought, I feel the need to reject this very generous offer!!! LBA now in the post. Brian

Hi Yes, please mark as completed, not sure it can be consider as 'won', as I grabbed the money and ran!! Should have stuck with it and screwed them! Brian

Hi Yes. Evrything came back within the 40 days. Copy of original contract, but made up T&C's. Prelim letter was responded to with a silly offer, which was rejected.Then revised offer of about b75% was made, and I accepted that. Brian

Hi The spreadsheet is password protected, or is it just me being silly? Forget - me being silly. Copied and pasted to new sheet, can now edit. Its my age!!! Brian

Hi ims, I though that claims had been ruled out for sums older than six years following your own case. Is this not the case? Some advice or direction would be appreciated. Brian

Hi initial response was to send me printout of transactions since the transfer of the account ro Opus. When I complained, i got a second set of these documents!! Subsequently I recieved documents from Citi back to 2005. I had a significant number of invoices anyway dating back to 2002. In the SAR I did not get a copy of my contract or terms of agreement so I sent them £1 under section 77/78 as per the template letter. Today I rang and was told they have no contract, and will confrm this in writing, plus organise a refund of £1!! My claim would be all for late payments plus restitutional interest. For the past 6 years this would total £1100, but if I could go back to the earliest record i have, it would be nearer £2700. Any thoughts? Brian

Hi Opus today have told me, and will confirm in writing, that they do not have a copy of my agreement with them or the original company. Where does this put me? Do I do a lba, and epect an offer, do they fight all the way to the courts, or is the lack of an agreement now void? What about charges over 6 years old, are they claimable? Brian

I got the same letter today. Wonder if the interest rate will go up again?!!

I'm sorry you lost, as you had put so much work into your claim. On the positive side, i wonder how much it cost them for the barrister to prepare and attend todays hearing?? Would it have been cheaper to pay you instead? Brian

Thanks ims Prelim ltr was sent on 23rd June, so I will wait until 14 days (mentioned in Prelim ltr) to elaspe, then send lba. I figure they have the staff and resources to find a set of terms & conditions requested. Not actually sure if and why I need the T&C's?

I sent my prelim ltr, based on the CAG template letter, but included in a para "I further request that you send me a copy of the terms andcondition relating this account, which were in place at the time the accountwas open, as the Application form refers to para 23 which is not included inthe Terms and Conditions, of September 2010, which you have supplied." Cap One have responded with; "Its going to take us a little while to look into your situation and come back to you with a detailed response. We'll do everything we can to get an answer back to you with four weeks of this letter." Can I go ahead and send them lba, or do I have to await their full response?

Thanks ims21, I have now sent off my Prelim letter. Enclosed in my bundle from Cap One following the SAR was copy of my Cap One application form, from 2000, a T&C threefold leaflet 15279/TS&CSFLY/0910 - which I take to be T&C relevant to Sept 2010? Also a single sheet with current terms. Neither of these have a para 23 which is referred to on my application form. Does anyone have a set of T&C from 2000 that I could have a copy of?? Brian

Hi Now had SAR details back from Cap One. Application signed in 2000, terms & condition supplied from Sept 2010! Have drafted prelim letter based on library version, but what interest rate for restitutional interest can I charge. My current statement rate is 21.73%, but a year ago it was 27.21%. In my SAR I did ask for details of interest rates applied and their response was 'Please be aware that any changes in your interest rates would havebeen included in your original monthly statements' (If I had the statements, I would not have done the SAR!!) Thanks

Opus it is then! Thanks

Hi I had a card issued by Associates that became a Citi card (probably in 2001) Then last year it became an Opus card. Who do I send a SAR request to, as I want to reclaim my charges? Thanks Brian

Thanks, I had been looking in the wrong place!!

Hi Can anyone point me to a POC for Capital One? I have charges going back to 2001 totaling £590 and I want to charge restitution interest of £2820. These charges are between 2001 and 2009, and I have SAR them to see if there are any further charges to add to the claim. Once I have these, I will do lba letter. I am asking for the POC just to get my head round what i need to do!! Thanks Brian