charley vs barclaycard

charley2212 · 17th April 2009, 10:50

BC charges can any one help , do you have to pay the exessive charges they slap on your account ie before a certain date it was £25 now £12 can all these charges be challenged , because they are automated and not done manually [late payment charges] or any charge why should you have to pay silly amounts

slick132 · 17th April 2009, 22:38

Hi Charley,

Any penalty charge made to your a/c in the last 6 years can be reclaimed in full.

Whether you were charged the old higher amounts, or the lower and more recent £12 charges, you can reclaim the whole amount.

Read the Reclaiming Guide at Link No1 in my signature below.

Use the Credit Card template here for the Prelim Letter and the LBA - http://www.consumerforums.com/resour...-bookworm.html

If you just claim back the charges, they'll be repaid quickly in most cases.

If you claim interest at the contractual rate, you'll have to file your claim at court and BC will fight you all the way. If you get your claim right, they should negotiate a settlement just before your court date. The amount you can claim in higher interest can be significant.

charley2212 · 18th April 2009, 17:14

thankyou slick132, jugular it is , done my Subject Access Request march 30th , not had anything yet , so guess i ll have to wait the 40 days. what do i hit them with should they not conform to the Subject Access Request ?

slick132 · 18th April 2009, 23:46

They normally manage to reply to Subject Access Request's.

If the don't, you send them a reminder (from the bank template section) about their failure to comply with your request in accordance with the Data Protection Act.

charley2212 · 19th April 2009, 11:56

ok slick many thanks, think i send em a reminder to keep them on their toes, while i work out from the statements i have,

charley2212 · 28th April 2009, 10:01

HI slick had a reply back from BARCLAYCARD it was just any old aggreement without my signature or any details , have replied asking for the orig which i know does not exist , and for my Subject Access Request

slick132 · 28th April 2009, 14:28

They won't send you your credit agreement in reply to a CCA request.

If you want sight of this doc't, you have to use the CPR route.

Read Link No2 in my signature below.

Also, read this - CPR Strategy - IMPORTANT SUCCESS for smt37

charley2212 · 28th April 2009, 23:50

hi slick thankyou for that , will do , and thankyou for the links , will keep you posted

charley2212 · 7th May 2009, 21:11

Hi , Just Had Copy S Of My Statements Ref My Subject Access Request , And Had Copys Of A Aggreement Minus Any Signature Of Mine On It So I Will Do A Request As You Said Ref Cpr Route, And See What Happens. In The Meantime I Will Post A Copy Of The One They Sent.CHEERS

slick132 · 7th May 2009, 22:52

Hi Charley,

If it's just a copy of the Terms and Conditions, don't bother posting it here.

If it is an agreement or application relevant personally to you, post it so we can see.

charley2212 · 29th May 2009, 11:14

Sorry For This , Not Sure If Allowed Or How To Start Another Thread , But I Have Some Success Ref Alliance&leicester On A Current Loan They Have Offered All My Ppi Back To The Tune Of £470 So Thats Good Thankyou All The Site Team And Fellow Gaggers:d

slick132 · 29th May 2009, 23:01

Hi Charley,

Go to the PPI forum and hit the NEW THREAD button. Post the details there for all to see.

Sounds like a result. If CAG helped you get it, any donation will help others in a similar situation.

charley2212 · 5th June 2009, 16:06

hi many thanks , have started a new thread , a question , ref credit card charges i add the interest at the point of the offence, and i can add a further stat 8% on the total at the end , or at the time of the offence ha lol and ref the ppi credit cards charge is this the same .

slick132 · 5th June 2009, 22:49

Hi Charley,

Have a read here - http://www.consumerforums.com/resour...erest-tutorial

charley2212 · 9th June 2009, 19:09

thank you , many thanks will do asap ,

charley2212 · 2nd July 2009, 22:25

HI , HOW COME B C CAN PRODUCE A COPY OF MY ORIGINAL AGREEMENT, FROM 1998, BUT ONLY SENT STATEMENTS AS FAR AS 2003

slick132 · 2nd July 2009, 22:43

Have they supplied your Credit Agreement - that's a rarity.

They will only supply data going back 6 years. If you want older stuff, you will have to challenge them, threatening court action for their non-compliance using the DP Act.

Read the Stickies at the top of the BC forum.

charley2212 · 3rd July 2009, 14:45

THANKYOU SLICK, JUST IN FROM WORK AND A DEFAULT NOTICE FROM THEM THROUGH A COMPANY CALLED MERCERS , DID THINK THEY COULD NOT ISSUE ONE OR PALM THE ACCOUNT OUT

slick132 · 3rd July 2009, 23:19

Hi Charley,

Problem is that, whilst you say the a/c is In Dispute, they say it is not. They will therefore also say they're entitled to chase the a/c, issue a DN, etc.

Have you used the data received so far to fill in a site spreadsheet to make your SOC. You could send this to BC with a Prelim Reclaim letter, and amend the amount claimed if/when you receive any older statements.

This will formally put the a/c in dispute in a way which BC can't argue.

charley2212 · 8th July 2009, 11:22

ok cheers slick am about to this weekend ,got several on the go at once , my fault but in for a penny in for a pound

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and ensure this site will remain free to use!

Small Claims Kit--	Small Claims Court Guide New Edition	Consumer Action Group envelope labels	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki