Hi ananya, Thanks for your reply. I have done as you suggested and have also looked at a number of threads and I feel that I now have the information that I need to push on with my claim. I will be watching your progress with great interest and I am sure that you will be successful with your claim. Regards MUTT

Hi ananya, Thanks for the reply. I have done as you suggeted and also looked at other threads and I now have the info that I need. I will be watching your progress with great interest and I feel sure that you will be successful in your claim. Regards MUTT

Hi Goldlady, Have you claimed for all admin charges and discharge costs and what type of interest (if any) have you added to your claim. MUTT

Bump- Somebody must have some answers?

Hi All, Starting a claim against GE Money on three closed accounts. I have all the charges info as supplied with my DSAR. What I need to know is,can I claim for Discharge Admin Charges and Discharge Fee. Some posts suggest that these charges can be claimed while others suggest that they can't. I want to get this absolutely right given the company that I am dealing with. The Discharge costs on one Redemption Statement from 2003 are £117.50 and the Administration Charges are £148.75. I also intend to claim compounded contractual interest throughout the claim. I have done this with Cap One, Halifax Visa and Barclaycard, all paid up in full without going to court. Would appreciate any help asap so that I can finalise my Schedule of Charges without further delay. Many thanks MUTT

Hi uk, The link to the blueyonder credit card spreadsheet worked a treat, claims now sent off to Cap One, Barclays & Halifax. Do you know of another blueyonder link specifically for bank charges with CCI. The blueyonder link was a doddle to use. Many thanks MUTT

Hi ukaviator, Many thanks for the link, will try it out and see what results I get. Thanks again Mutt

Hi ukaviator, Thanks for the info, hope you can post the link for the spreadsheet if poss. Cheers Mutt

Hi All, I need some help in finding the best spreadsheet to use in my claim against Cap One. I would like to claim for CCI throughout the claim. I have tried three different spreadsheets to compare the end result, all are different. The one that I have used in my previous claims for the refund of bank charges, has been one from Vampiress' Chamber. I can still access the spreadsheet for Bank Accounts England Advanced - Works via my Google account. However when I compare a £24.00 charge with interest of 26.94 using this spreadsheet, the end result is much lower than the other two spreadheets that I have tried. The other two show a difference of 30p. per charge and interest total. I would have hoped to have used the one from Vampiress' Chamber but why is there such a difference. Also on the topic of claiming CCI on credit card charges, there still seems to be arguments in support of claiming CCI and others against. I was under the impression that CCI claimed on credit cards had a far greater chance of success than bank accounts. Hope someone can provide some help. Cheers Mutt

Hi peter & shane, Thanks for the replies. The ICO did not give the info in writing wish they had. I contacted them to see how my complaint against Black Horse was progressing and in the conversation I mentioned the default issue and the recording of adverse info onto my credit file which I thought Black Horse were not allowed to do when the account is in dispute. The person I spoke to advised that she could not give accurate advice on this matter and that someone would call me the following day to discuss it further. Sure enough the following day I received a call from ICO. I explained what Black Horse had done and were continuing to do regarding sending adverse credit info to the CRA. This I said was, in my opinion, a blatant breach of the DPA. I was advised that there was no breach and that Black Horse were quite entitled to register the default without informing me first and that they were not obliged to provide me of a copy of the default notice. She also said that Black Horse had a duty to send info to the CRA whether or not there was an ongoing dispute with the account as long as the account remained in arrears. Which it is at present (stopped paying my monthly amount to try and force the issue). The conversation became rather heated and I was continually told that I was entitled to my my opinion and it was left at that. I think I will now contact the ICO on Monday to pursue the matter. I will send you a copy of my current agreement as soon as I get my scanner sorted. Regards for now Mutt

shane5408 & peterbard, Thanks for your replies to my earlier post. I am in dispute with Blackhorse Finance over my current loan agreement and requesting the refund of certain charges applied to the account. In response to my complaint I have been supplied with statements of account and a copy of the loan agreement. This shows the amount of the loan, the duration of the agreement, total charge for credit and monthly interest rate. It also shows my signature but at the bottom of the agreement there are two boxes one for their signature and the other for the date of the agreement. These have been left blank. At the very bottom it shows page 1 of 2 and Black Horses Copy. Because of the ongoing dispute I stopped making my monthly paments until the dispute was resolved only for Black Horse to default me. Again I complained that they could not do this, however they were quite adamant that they could and that they could continue to regester adverse information to the CRA as long as my account was in arrears and regardless of any dispute that was still current. I contacted the ICO who advised that Black Horse were within their rights to issue a default and that they had a duty to report any missed payments to the CRA. They also advised that Black Horse were under no obligation to supply me with a default notice and were at liberty to register the default without my knowledge. So, is my loan agreement enforceable without any company signature or date and is it correct what the ICO say in what Black Horse are allowed to do with my data. Cheers Mutt

Can anyone help ?

Hi All, Starting to prepare my court bundle and I could do with a list of all the successes against Citi. Could do with case numbers, amounts and which court. I am claiming CCI and it would help if there is anyone who has already won this and has received payment. My bundle has to be in by next week so early replies would be appreciated. Feel free to PM me if nessessary. Thanks Mutt

Could anyone advise if a non cancellable agreement still comes under the CCA. Cheers Mutt

Hi pjdavies2000, It does seem rather strange at how quick they have responded given their past record for being ultra difficult in providing anything. Another strange thing though is the amount of info I am receiving from Cap One. Received another two large packages today containing information that they had already sent but in a slightly different format. Each package has been sent by special delivery at a cost of £5.00 a time (thats £15.00 up to now) and marked IMPORTANT INFORMATION ENCLOSED (not wrong there). They seem to be falling over themselves to provide me with the info and I can't work out why. Mutt