Jd Williams/reliable Collections

[sorrylittlelot]

anyone?

[silverfox1961]

If the spreadsheet happens to say bank charges, can you not change it?

 

You should be able to put the interest rate in that you were being charged

[citizenB]

Use one of the following spreadsheets.

 

One is for statutory interest at 8% only and the interest rate cannot be altered.

 

The other is for compound interest and you just need to enter in the box a the top the Interest/APR you were charged.

 

The following is for compounding the interest rate you were charged.

 

[ATTACH]29682[/ATTACH]

 

 

The following is for statutory 8% only

[sorrylittlelot]

thanks guys, thats what confused me, compound or stat etc and i didnt know the percentage

[alfwithhair]

They were charging you 2.620% per month

 

Apr (Compounded) 36.39%

Apr (Non Compounded) 31.49%

[sorrylittlelot]

thanks alf im just confused by it all.

 

on a side note does it matter that the SAR had no CCA in it?

[alfwithhair]

This is a point that seems to cause confusion, don't qoute me on this but I don't think they HAVE to include it unless you specifically requested it in the SAR.

 

It seems to be the creditors excuse if you question what you were sent. "you didn't ask for a CCA"

When in the majority of cases they didn't send one, because they haven't got one

[silverfox1961]

A lot of creditors will say that the agreement does not form part of your data and as such won't include it. A lot of prodding and complaining 'may' get it but it is far easier to send a CCA

[sorrylittlelot]

well at least here is their reply -

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/jd-1.jpg

 

http://i682.photobucket.com/albums/vv188/sorrylittlelot/jd2.jpg

[BRIGADIER2JCS]

Not a bad result, how are they

making the refund??

 

Brig.

[sorrylittlelot]

You lost me Brig, they said they are not prepared to make a refund.

[BRIGADIER2JCS]

Apols the scan has come out very

small ,, I see that now.

 

Brig.

[sorrylittlelot]

oh lol, if you move your curser over the scan you should be able to magnify it to A4 size.

Not particulary sure where to go from here.

[BRIGADIER2JCS]

Emmm must be me it it would n,t work.

No seems like a dead end, I'll give it some

thought.

Brig.

[sorrylittlelot]

i just think the fact i was being chrged 2x£12 on the same day seems a penalty. I guess its pay up then, doesn't help that i lost my job this week and get no redundancy pay grrrrr

[BRIGADIER2JCS]

Sorry to hear that, but

the one and only good thing

it's minimum payment time,

unemployed/ benefits £1.00

a month tel them to take it or

leave it if they went to court

it'all they would get, set up a standing

order.

Brg.

[sorrylittlelot]

ehy thank you Brig, I shall look in the library to see if there is a template letter

[BRIGADIER2JCS]

If you can't find what you want

give me a nudge with what you

want to say and I'll sort something

out for you.

 

Brig.

[sorrylittlelot]

thanks Brig you is a legend

[sorrylittlelot]

is there anything in law i can put to the as in im now on jsa so can only pay a quid?

[BRIGADIER2JCS]

I wouldn't bother with law just

state the facts and perhaps a copy

of the JSA award with the first £1 payment.

They'll kick and scream and throw their

toys out of the pram, it's then you tell them

if they go to court they certainly wont get more

maybe even less one judge recently ordered payments

of 50 pence