TV Super Star! LOL

LozBingley

Hi all - I'm back from appearing on "It Pays to Watch" :money:


Here is the detail behind my £2,820 claims



Provider: Marbles
Amount Reclaimed: £450 charged
Amount they paid: £370
The story: Asked for 75% of total charges + 4½% interest (as I have with all claims) pointed out that this was cheaper than the court would award (being 100% + Interest @ 8% + Court Costs) and they paid out! It really was that simple!


Provider: IKEA (Store Card) - yes you can get their charges back too!
Amount Reclaimed: £120 charged
Amount they paid: £175
The story: As above, I asked for the 75% + 4½% interest, they failed to respond so started court proceedings - dead easy on www.moneyclaim.gov.uk As soon as they got notice from the court, they paid out in full (100% charges + 8% interest + Court Costs)


Provider: Capital One
Amount Reclaimed: £981 charged
Amount they paid: £1489.03
The story: Again I asked for 75% of charges + 4½% interest but they only offer £303. I gave them notice of the court proceedings and even started them BUT when I told them that I would not accept anything less than 100% of charges + 8% interest + charges and I also point out that I would be requesting the court to award me a further £280 as a "Self-Litigation fee", they offered me £1489.03.


Provider: Barclaycard
Amount Reclaimed: £580 charged
Amount they paid: £786.12
The story: As with all the claims, my initial request was for 75% of charges + 4½% interest. They offered me £244 and even credited it to my account (which has been closed for at least 2 years). I turned down the offer and put it with the court on www.moneyclaim.gov.uk. MCOL wrote and told me that all Bank Charges Claims were on hold pending the High Court Case. I wrote back and pointed out it was not for Bank Charges per se but for Credit Card Charges and they passed it to my local court. My local court also wrote to me and told me that all Bank Charge Claims were on hold till after the High Court Case was over. I wrote back and told them that it was not for Bank Charges but for Credit Card Charges and that I fully expected Barclaycard to pay out in full before we got to a hearing. They wrote back and told me I'd have to fill out the correct form to amend the details! In the mean time Barclaycard wrote and offered the full amount + interest + court costs.


OK a few things just to add here...

All the above accounts had been closed for at least 2 years and had even gone out to debt collectors for collection. When I cleared the debts I even took discounts ie they offered me £500 if I settled the account in full. This redemption figure was not included in my claims - ie I didn't have to pay it back Capital One wrote to me recently asking for the payment that had bounced in 2006 but I pointed out it was a redemption bonus offered to me and not a payment, bounced or otherwise, they have not asked again

Also I am still paying off one of the cards mentioned above on an interest free loan from the card company! Again this did not affect my claim and I still have the interest free loan, which I have not been asked to pay back


Laurence
aka LozBingley

ps Don't forget to buy Oyster's Song, "I fought the Lloyds.."