Rayn2036
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Hi DX, DMP has been dumped over two months ago now. How do I claim my money back from lowlife? I have been paying them about £15 a month for last 9 years. Is there any thread concerning claiming money back from DCA?
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UPDATE: Seems like a good result to me. Happy days...
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Thanks DX, I worked it out but I am not sure about the date insertion. Can you please have a quick look and let me know if this is correct? 07/05/2003 is the last interest charged date on the statement and it was frozen after this date.
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UPDATE: received SAR from MBNA, there are several Late payment and over limit charge at £20. What I have also noticed is they have added PPI even though my application is not ticked to accept PPI. This debt is sold to LINK, can I claim PPI from MBNA? I guess I have to go to court to claim late payment and over limit charge which I do no want to do yet. If I have a successfull PPI claim, will this get deducted from my outstanding debt? Appreciate your help.
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MBNA PPI help **WON £2300**
Rayn2036 replied to Rayn2036's topic in Payment Protection Insurance (PPI)
Opps, damn, my maths went astray, wish you picked up on that while back. Nevermind.... £326 down -
MBNA PPI help **WON £2300**
Rayn2036 replied to Rayn2036's topic in Payment Protection Insurance (PPI)
Two docs attached... -
MBNA PPI help **WON £2300**
Rayn2036 replied to Rayn2036's topic in Payment Protection Insurance (PPI)
Just Donated a small sum to CAG and will continue to do so in the future. Thank you CAG and all helpful member for continued support. -
Compound interest spreadsheet attached. DX, am I doing this correctly?
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Thanks DD. Please see attached compound interest spreadsheet. Total claim will be more than the actual debt CQ is chasing. I will keep it until they push it through the court.
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Will do that DD, thanks
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Hi DD, there are no reference to date what so ever on either of the T&Cs. Account was defaulted in 2003 and they have sent me the T&Cs during that period. They are not saying defaulted one is the current one. Current T&Cs would be vastly different I guess.
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Hi DX, I will get the spreedy done today. I have all the charges to hand. I guess I should include late payment charges and over limit charges but not the interest. Hi Fletch, this account was defaulted back in June 2003. Terms and condition on the box I signed is not readable at all.
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Hi DX, Charges goes back to 2003, I didn't do spreadsheet after reading your post #15. I hope this CCA is UE...
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Update - received further more paperwork from Robberway. Please see attached.
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Hi DD can you please, on your own time, supply me your sharp letter. I will send that off and go quite until I hear from them about F&F offer or letter before claim.
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Hi Fletch, default is not on my credit file as this account was defaulted in 2003. I will not pay until they offer me reasonable F&F or get a letter before claim. Thanks DD and Fletch for your valuable opinion.
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Will small claim court leave a mark on my Credit report?
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This debt is for £1k, will it still go through county court or small claim court?
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Hi Fletch, I have no assets apart from a car however I am worried about CCJ as I am planning to re-mortgage wife's house in both our names to get a cheaper interest rate. Should I take the route of offering F&F? If yes, what percentage is acceptable?
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Hi Fletch, I already sent your first letter as per your previous suggestion on Post#33. It was sent on 14/11/2013 and their response is attached on post #52. Hence I will write them a shorter and more to the point. Thanks for the effort, much appreciated.
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I get paranoid when I hear a word enforceable. Thanks DD, I wil wait till I hear from Fletch on proper letter.
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I would appreciate a proper letter please. Thanks
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DD, which two leaflets are you referring to? If you are referring to my other debt with Robebrs Way then it may be because application was made 13 months apart hence their leaflet may have changed but obviously CapQ dont know about my other debt. There are two sets of T& Cs, once at execution and one when the account defaulted.
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Hi Fletch & DD, Many apologies I missed the application form., please see attached application form arrived with the above attachment.
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Hi Fletch & DD, Account was opened in 2001. Fletch, Please see second attachment, their response to my original CCA request along with Application form & T&cs at execution and default.
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