*****help with calculating charges please!*****

[redroo555]

hi there,
i have recieved my s a r from barclaycard, and have highlighted my charges, but would appreciate if someone would advise me if i have done this correctly please!

for instance this statement for 20th jan 2005

20 jan late payment charge, 20 jan £24.00
20 jan exceeded limit, 20 jan £24.00
20 jan interest on your standard balance £26.93

i added the late payment and the exceeded limit charges.

in total, my
exceeded limit charges for £24 = 15 times
late payment charges for £24 = 10 times

----------------------------------------------
exceeded limit charges for £12 = 6 times
late payment charges for £12 = 3 times

-------------------------------------------------
should i then add these, and add the interest, and then send off to barclays?
--------------------------------------------------
also, at the end of the statements it says

chrgoff purch fees 29th march 2007 336.00
chgoff prch unpd fin ch 29 march 450.74
chrgoff prch prin balm 29 march 1425.72

do you know what these mean please?

thankyou in advance, and sorry to go 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.

[redroo555]

bump!!

[slick132]

Hi Redroo and welcome to the Barclays forums.

We have a dedicated BC forum so I'll move your thread there.

Are you using the spreadsheet from here - http://www.consumeractiongroup.co.uk...eadsheets.html. You need to select Credit Card, Simple or Advanced versions.

You could claim back interest to reflect the high amounts you've paid BC over the years. Read here - http://www.consumeractiongroup.co.uk...-tutorial.html

Have you read the Reclaiming Charges Guide at Link No1 in my signature below.

Shout if you need help.

	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.

[redroo555]

hi there,
thanks so much for your help and advice!
i will read through these, and hopefully be able to understand how to do them!!
should have studied harder in maths ha ha!!
anyway, am off now to do lots of reading.

[slick132]

Originally Posted by redroo555

should have studied harder in maths ha ha!!

I know THAT feeling

[redroo555]

hi there,
try as i might, i just cannot get my brain around the charges( i'm sure i definately have one - somewhere!!)
i think i have to do the following:

date item charges interest

20/05 /'04 late pay fee 24.00 int:
20/05/'04 3xceeded limit fee 24.00 int:


so do i go along all of my charges and add them up seperately, and then add up the interest seperately?
as in the sample letter it has a seperate bit for charges, and then one where you put the interest!!

sorry , but want to get it right, and have read and re-read, but still can't grasp it!!
thankyou in advance. xx

	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 Red,

Which spreadsheet are you using.

The Reclaim letter refers to charges and interest separately in case you are claiming interest as shown by the Advanced spreadsheet.

If you are just using the Simple spreadsheet, ignore the reference in the letter to interest. You will simply claim s69, or Statutory, Interest if/when you file your claim at court.

	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.

[redroo555]

hi slick132,
i am not using any spreadsheet yet, as just trying to sort out how to do it properly!!
i have a list of the bank statements, with the above fees on them, they are more or less the same amount untill they introduced the £12 fee, so i thought if i put on the spreadsheet the date, item charged, amount , 8% int. then thats it???
sorry, not really thick, just not sure!!
thanks so much for your help

[slick132]

This is the Simple spreadsheet - http://www.consumeractiongroup.co.uk...eadsheets.html The interest is automatically calculated by the spready and auto-updates each time you open it.

Have you read the Guide to Reclaiming yet, at Link No1 in my signature below.

	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.

[redroo555]

once again, thanks very much, will go and read up now!!

[slick132]

Hi Red,

This is the Prelim Letter to use to send off with your Schedule of Charges - http://www.consumeractiongroup.co.uk...rd-letter.html