littlewoods & very!!! sold to capquest

[Old Cogger]

It is a form asking me to fill out with question they already know the answers to. Account number/DOB/Address/

 

I have just sent them a letter reminding them i have sent the required amount.

 

 

And that there is no need for me to fill out

 

the DP2 form as they know all my information.

 

Emma well done for telling them, hope you sent copy in picture form as they can crayon them in whilst they work out where the next button is? lol:-)

[Emma19860789]

Hi all,

 

Hope everyone has enjoyed the christmas period.

 

I received back everything littlewoods have on me and to be honest it's not like a normal catalogue statement they send out every month

it's computer screen shots & whatever computer software they use with codes explaining what people have written on screen about mean.

 

 

Short abbreviations of what I ordered & how much it cost.

 

 

How much my balance was brought forward ect.

 

 

It doesn't show any interest they have added or charges.

Which I know is on there as I have had statements in the past that show this on them..

 

 

Not quite sure what to do now as I don't properly understand these screen shots & other stuff they have sent.

 

 

And now I'm having daily phone calls of cap quest for payment.

 

 

. Any help much appreciated..

[Conniff]

The regulations state that any information or codes etc used must have an explanation.

[Emma19860789]

It does have a sheet with it telling you what the codes mean. It's just the way it's been printed as if they have limited space on the computer as to what they write. So they don't put much information on and you have to use these codes to understand what it means.

If only I could show you what I mean. It's hard to explain.

[Ftgab19]

Hi Emma19860789,

 

I've had the same SAR from them. if they said anything like mine, I'll upload a copy, it's whats next to arrears if you see "2.456" or something along the lines of that you need to use this website (http://www.stoozing.com/calculator/apr-rate-converter.php) and convert that into compound interest.

 

You can then fill out the spread sheet, because you only need the date/value of the charges.

 

Andrew

[Emma19860789]

Hi Andrew,

 

Thanks for uploading a copy mine is exactly like yours. I really appreciate it . I am going to sit down after work and go through it properly

and use the link you gave me. I think they try and confuse you with the way they print it out.

 

Sorry to be a pain but could you give me the link for the spreadsheet i cant seem to find it. Thanks.

 

Emma.

Edited January 5, 2015 by Emma19860789

[Emma19860789]

Hi Andrew,

 

 

Thanks for your help.

 

 

I have gone through all the paper work littlewoods have sent me and wrote all the arrears down

I have also gone on the link you sent and worked out the compound interest.

 

 

Could you send me a link with the spread sheet and also tell me what this is for please.

sorry to have to post again I tried to private message you but as I haven't posted 30 times it wont let me.

 

 

Emma.

[Ftgab19]

You are more than welcome I hope you get every penny back!

 

Remember you only convert the highest arrears into compound interest, pop it in the APR box. You need the description to say: (Late or Over limit PENALTY FEE) and you claim until the day you send it off to them, so put the date you send it in the "Claim to". You can only claim back any £12 you see on the statement.

 

I've uploaded a copy of my claim and a blank spread sheet for you.

 

Andrew

 

Hi Andrew,

 

Thanks for uploading a copy mine is exactly like yours. I really appreciate it . I am going to sit down after work and go through it properly

and use the link you gave me. I think they try and confuse you with the way they print it out.

 

Sorry to be a pain but could you give me the link for the spreadsheet i cant seem to find it. Thanks.

 

Emma.

CISheet v101.xls

[Emma19860789]

Hi Andrew,

 

 

thanks for the links my computer doesn't support xls is there any other way you could send e the links please.

 

 

Thanks Emma.

[Ftgab19]

I've sent you a PM

 

Andrew

[Emma19860789]

Are you sure I don't want to take up to much of your time.

 

 

I went through a company called ashworth law back in 2011 and reclaimed £440 plus intrest £63.38.

bal cred £460.64. Cheque issued to ashworths £51.74. (got this info of SAR)

 

 

so I don't think any more £12 charges were put onto the account after that.

 

 

as for the highest arrears do you just mean the highest arrear (1) ? If so it was 23.724.

 

 

I tried to send you this in pm but I still cant.

 

 

My personal email is emmapucka97@hotmail.co.uk

 

 

Thank you for your help.

[Ftgab19]

Right well if you have already claim them back, there wont be anything else but PPI. But that interest looks a bit low. How many £12 charges were there and how far back?

 

And i mean as in what was the highest "0.000" next to arrears. Because that's the one you'll need to convert into compound interest.

 

Andrew

[Emma19860789]

That 23.724 was the highest. Should it only be 4 digits?

[dx100uk]

install open office

 

 

dx

[Ftgab19]

Some was less but my highest was 2.780 Id install open office because your going to need it for the PPI to.

 

Andrew