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diskmandave vs aqua card - MCOL action - ** Settled/Cheque Banked **


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At LBA stage, but can't seem to find any threads at all to compare with.

 

Account is zero balance, not defaulted, huge credit limit, very healthy.

14 default charges 2006 - 2011. 2 x £20, 12 x £12.

Have sent initial approach with list of charges, and very

quickly got the get lost and bother the FOS, dispute is closed letter.

 

Need a little help now guys please...

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Live account? Or zero balance because of sale to a debt purchaser?

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Live and extremely healthy BRIG.. I'm debt free now.

Straight forward claim for penalty charges is my opinion Dave.

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Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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see the shelley threads

 

dx

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm doing the LBA now... But I need some help with calculating the interest.

 

I've done reclaims before, but this is the first time I've had a get lost response!

I'm not too big to admit that I haven't a clue how to use a spreadsheet!!

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to Credit Cards/others

 

Regards

 

Andy

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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sheets are here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

ideally it should be the CISHEET

 

put their avg APR in cell D 15

 

list every charge and its date on a sep line.

 

dx

Looking at it now, thanks.... Struggling!!

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save it to your harddrive first dave...

 

and don't forget to rename it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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attach you xls lets check for you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Sorry for the REALLY LATE reply guys.....

 

It's just been one thing after another here......

 

Right then..... Here goes, picking up where we left off then......

 

 

 

Spreadsheet .......... Same as Account rate......

img062_zpsc6ec8618.jpg

 

Comments much appreciated.... :-)

Edited by ims21
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Thanks Brig.... Was all a bit of a rush last night.... Looks like the one with the name has been removed so I'm going to re-post, thing is, I really don't know why I redacted any of the paperwork anyway, as I don't give a flying hoot if anyone knows who I am... Hoping to be back on track with this now and no more drama's here..

 

Letter is all enveloped up, just give me a minute to re-post the images!!

 

Cheers again, Dave.... :-D

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You are most welcome Dave, one of the site team must have seen it and acted.

I'll be watching.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK....!! Here we go, a little less stressed out tonight!!

This is all enveloped up and ready to go........

 

LBA........

img061_zps2bc39869.jpg

 

SPREADSHEET...........

img062_zpsc6ec8618.jpg

 

All ok...? Pretty straight forward??

 

Will be posted on Friday afternoon...

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Hi Dave

 

Your spreadsheet is fine.

 

You are a seasoned member so please don't take the following in the wrong way...

 

1 -> As you are going back further than six years, are you prepared with your arguments around Kleinwort Benosn -v- Lincoln City Council (payments made under a mistake) which should get you around the Limitations Act?

 

2 -> Are you familiar with the principles of Interest in Restitution since you are claiming interest on the charges beyond the date on which interest would have stopped (based on your comment that the account is all now in order?

 

The latter point is mentioned in case you are asked to justify to a court why your interest calcs run beyond the date where they may well have ceased charging interest if the account is now running on the basis that you pay it off each month in full.

 

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