AA99 v Barclaycard No1 a/c

[AA99]

UPDATE ACC.No.1

Mercers accepted repayment over my offer but accepted and frozen interest. Have today completed schedule of charges and covering letter asking for refund of charges plus interest dated back to 2004, totalling £550. Given them 14 days to reply - 14 November roll on

	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.

[slick132]

Hi AA,

Do you mean they've not accepted your offer but want slightly more.

You need to start a new thread for each a/c which you post about, headed BC a/c No.1, 2 or 3 or we'll get confused

[AA99]

Yes, thanks Slick, I offered £20 p.m. and they've accepted £39. So I agreed, but not in writing, and now I'm asking them for the charges refunded as I am living on benefits and am within my right to offer them £1 p.m. Will start separate threads as I have 4 Barclaycards on the go, thanks to them! Will keep playing this card till I start separate threads though as I seem to be winning them over - WATCH THIS SPACE ha ha

[AA99]

Changed this thread title as Acc.No.4 is about to open up LOL

[slick132]

Hi AA,

You can only change the title of a post, not the thread.

I'll change thread title for you to "AA99 v BC No1 a/c"

[AA99]

Beg your pardon! That's what I meant - oops - and thank you !

[AA99]

Wrote letter on 29 October reminding them I had offered to pay more than minimum but I now sent SOC requesting refund of all charges dating back to 2004. Their letter of 7 November confirmed receipt and would reply by 28 November. No response yet so have stopped paying verbally agreed min. payment for Nov and Dec

[slick132]

Hi AA - looking in as asked.

Did you send them a Prelim Letter followed by an LBA, re the penalty charges.

Have you sent them a CCA request for this a/c.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[AA99]

Hi Slick, thank you.

This account was taken over from Monument in 2004. I have sent a SOC for charges for £500 back to July 2004. Have not asked for a CCA yet! Haven't sent an LBA yet? Can I now combine CCA and LBA? or just not bother with the CCA?

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[slick132]

What about charges on the a/c for the period 2004 back to 2002, when it was a monument a/c. Have you got no info re chgs in this period.

The data should be sought from BC if you think you incurred any charges in this period.

So, you're currently reclaiming £500 but how much is the a/c balance roughly.

It's not good to combine letter re charges and CCA stuff as they are 2 different issues d/w by diff't dep'ts.

[AA99]

Account only opened in 2004, have the first statement so claimed all. Credit Limit £3,5k, statement dtd 8 December balance £3,597, am behind with 2 x £39 agreed monthly payments because I am waiting for their reply re the charges which they promised me by 28 November.......

[slick132]

Hi AA,

I think a CCA request would be useful here.

If they have no valid credit agreement, you can repay the debt at the rate you can afford and you should (eventually) get them to stop adding further interest and charges.

Well worth the £1 fee.

	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.

[AA99]

Would an LBA not be a much quicker short cut at this stage though? We ALL know there's no CCA, my SOC showed my claims back to 2004?! I'm issuing POC N1 and N1's () against the other 2 Barclay A/cs. Think I should just do the same thing on all 4 accounts now

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[AA99]

ps. Don't think BC have realised we have 4 cards with them between us

[slick132]

Originally Posted by AA99

Would an LBA not be a much quicker short cut at this stage though? We ALL know there's no CCA, my SOC showed my claims back to 2004?! I'm issuing POC N1 and N1's () against the other 2 Barclay A/cs. Think I should just do the same thing on all 4 accounts now

It up to you what you do, of course. They do turn up agreements sometimes.

But reclaiming the chgs gets just £500 knocked off the debt, and then they can keep hounding you and dictating what and when you pay.

If they have no Agreement, you can pay at a rate you can afford and they have no basis to take court action, get a CCJ, enter defaults, etc.

You can also insist they stop adding chgs and int't to the a/c, so what you DO pay wil have an effect and actually REDUCE the debt, instead of it increasing if it's still with the original creditor.

The reason I suggest the CCA request on this a/c - this is the one they were demanding double what you wanted to pay.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[AA99]

Yes OK will do, no probs on my side, will CCA tomorrow Thank you

[AA99]

Letter dated 30 Dec, recvd today, out of a total claim for 540 dated back to 2004, they have offered me a refund of 230 "as a gesture of goodwill" which without working it all out looks like the difference between 12 and 20 only, plus interest.

I didn't get round to CCA them (before Xmas) but am now tempted to do so, realise it shouldn't be done, but if I add a paragraph, like failing to come up with a CCA, I demand a full refund of all charges and will then agree to paying off the balance on my terms and conditions, ie £20p.m. like everyone else ??

	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.

[slick132]

Hi AA,

Send them the appropriate rejection letter from here - http://www.consumeractiongroup.co.uk...ng-offers.html

Send the CCA Request (Letter N) as a separate letter. Use the same envelope to save on postage but don't combine your Penalty Charges Reclaim and a CCA Request in the same letter - it'll confuse poor BC.

[AA99]

Thanks Slick, just what I wanted

The fact that their penultimate paragraph says

"For the purpose of the FOS you may regard this letter as our "Final Response" to your complaint."

is basically the same as them saying Full & Final settlement?

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[slick132]

Hi AA,

They should come back with an offer to refund the charges fully when you reject their offer.