Tweet
Originally posted by thegobbyone
View Post
Loading...
-
That would be a neat trick -
On a more serious note however I rang Crap 1 again today and the very nice lady i spoke to is going to get some nice peson to work out all my charges for me dating back to 16.8.2001(when me opened account) and give me a complete breakdown and also work out the contractual interest thingy bit..........Told her I could kiss her........but she declined
Am told this little nugget of information should be with me in 7 days and this lady is going to personally ring me in 1 weeks time to make sure I do indeed recieve the said info.................
Comment
-
And you believed her?
I don't know if they taught you this in the land of fairies and puppy dog tails where you obviously, if not grew up, then at least spent most of your summers, but you're in the real world now, Ok?
Capital One lie, they all lie - the whole penalty charges thing is one great big fat lie and they are no more going to just hand back the money they have taken in charges (with contractual interest) than they are going to stop charging them at all.
Sue them and have done with it.Comment
-
Ooooooooooooooooooohhhhhhhhhhhhhhhhhhhhhhh I love it when you talk all forceful like that Cet
Comment
-
Good grief!!! Don't encourage him Gobby.
"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012
)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
-
Dont think he needs encouragement Celery
Comment
-
Heeeeeeeeeelllllllllpppppppppppppp
Well guys finally I got my statements from crap 1 today...........at first glance there appears to be somewhere in region of £400 in charges dating back to september 2001..I would be very grateful if someone could advise me how to do a spreadsheet to work out the interest owed to me before I ask for my cash back............Thanks guysComment
-
Helllllllllllllllllllllllllllllppppppppppppppppppp the sneaky buggers have left out the interest rate on my statements so dont know what the rate charged was.........what do i do anyone????????????????????????????Comment
-
Personally Gobby I used the ordinary spreadsheet with the 8% interest. If you are looking at claiming other interest I would get in touch with someone on the C.I. forum or even Iancognito she's very knowledgable on that. Sorry hun that higher rate of interest completely confuses me.
sapphireComment
-
Gobby, if you have no statements showing the interest rate they charged, have a look at their website.
Morgan Stanley did the same to me.Comment
-
Thanks for advice peeps mucho appreciated
Comment
-
Right guys i eventually worked out my CI but was blown away by the amount.............Crap 1 wouldnt provide me with the past interest rates they have charged me so I have had to use todays interest rates which i have got in writing from them..31.26% for purchases and 35.27% for cash............lets see how they respond to that one eh!!!!!!!!!!!!!!!! Bring it on!!!!!!!!!!!!!!!!!:slayer:
Comment
-
Gobby
Just some thoughts on this one for you.
As you know I recently won against these, though they have yet to pay me and have until 8 August to file their defence, which they say will be full settlement.
When I filed for court I was unsure how to handle the interest rate. CI is uncertain ground, and I didn't want to jeopardise the claim in any way. In the end, I used the figure for interest at 18.03%, which was a rate they charged at the time they closed the account. Cap 1 never challenged this when they agreed to pay.
If you read Bill's advice on CI, I think he advises that you use the current rate, but check this out.
When I did the spreadsheets with the interest I added another column next to the 8% one, that calculates 18.03%. In other words, I had columns for interest at each of the 2 rates. Obviously I only quoted the high one, but the 8% one was there so that if the court decided at judgement that they would not permit the high rate, the safe 8% was already there and ready
Just a thought that you might like to do this, in case the CI causes problems later on.
K.Comment
-
Thanks Kafka .............The rate i have used is there current rate on my card of 31.26%....................i got it in writing which i shall also send them a copy with my pre lim in case they want to deny the interest rates with me
Comment
-
You shouldn't be talking about interest rates at letter stage, or you will open up potential problems unnecessarily and warn them of your plans.
Only send the spreadsheet showing the charges with the letters and send the one with the interest as well when you file at court.
K.
Comment
Comment