Blake Lapthorn Northampton Court - Urgent

[ims21]

Hi

 

OK so you have a strict time line to follow on this.

 

Issue date is 16th Jan, ad 5 days for service = 21st Jan plus 14 to acknowledge = 4th Feb. So you must acknowledge the claim no later than 4th Feb. You can do so on-line using the information in the court pack. If you intend to defend you will have a further 14 days to lodge a defence.

 

Your defence could be structured around the unlawful charges which are on the account (according to your above post) and the associated interest charged as a result of them.

 

Do you have all of your statements of the account.

 

Was there any PPI on the account which you could reclaim?

[ims21]

OK so you have a transaction history...good.

 

Take hold of this spreadsheet and complete it in accordance with the instructions in the "Notes" tab.

 

Simply put, list all of the charges applied to the account for things like Late Payment, Over Limit etc giving the date of the charge, the description and the amount. Set the "Claim To" date as today and to start with setting the interest rate to the rate being charged on the account.

 

When you have done that come back here and let us know the figure that the spreadsheet comes up with.

 

 

CISheet v101.xls

Edited January 31, 2013 by ims21
Spelling

[ims21]

Go through the stuff you received back from the SAR...there may be an indication somewhere in that data.

 

Otherwise pop in a nominal rate of 24.9% for the time being.

[ims21]

ims21 - I put 24.9% in the interest rate box (row 15) as you advised but it doesn't seem to want to do the calculation.

I'm sure it's my fault, but not sure how to rectify it. Do you know what I might have done wrong.

Kind regards

D

 

Have you actually downloaded and saved the spreadsheet rather than use it from the link?

 

Save the spreadsheet to your PC and then open it from there.

[ims21]

Have you entered a "Claim To" date and are your date formats for each charge in the form of dd/mm/yy? (or yyyy)

[ims21]

The court pack that you received should point you to the correct number for registration

[ims21]

Get this

 

http://www.openoffice.org/porting/mac/

 

and you might find the spreadsheet works in OpenOffice.

 

On MCOL read the instructions...you need to acknowledge the claim and choose defend of that is what you intend to do

[ims21]

Your defence will be on the charges and associated interest.

 

I'll bring your thread to the attention of the more "Legal" guys who will be able to help you with the defence.

 

As long as you acknowledge and tick defend then you will have until the 18th Feb to submit the defence which you can do online.

[ims21]

I would leave it until tomorrow to fill it in...it is going to be a bit quiet here overnight now and you have until 4th Feb to do it.

 

As far as the interest calculations go, there are some online compound interest calculators you could use... Google "Compound Interest Calculator"

[ims21]

You may need to change the date format in your Excel program to the british version i.e. dd/mm/yyyy

[ims21]

You have until close of court on Monday 4th so if you have your electronic confirmation of receipt you will be OK.