Barclaycard

[Nick [D]vB]

Hi, I apologise if this question has been addressed before but I have read the FAQ and scanned through this section and could not see an answer.

I am wondering if I am able to claim back the full £20 for both late payment and over limit charges?

I have read somewhere that the credit card companies are somehow able to legally justify a charge of £12 and so can only hope to claim back £8 for each charge. Is this correct?

Also, am I able to claim back the interest on these charges at the barlaycard rate or only at 8%?

Thanks for your help.

Regards,
Nick

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Michael Browne]

Yes you can claim the full £20 on both.

The 8% interest is only claimed once you file at the Small Claims Court

Are you sure you've read the FAQs? There's a step by step guide there too.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Nick [D]vB]

Thanks for you reply,

I am glad we can still claim the full amount - I though the situation might have changed.

I realise I can only charge interest if I go to court but was just wondering if the 8% figure is set in stone.

I will do some more reading, thanks again for your help.

Nick

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.