Will I have to repay credit card?

[laurawilliams]

Hi, i want to claim back a few late payment charges, probably between £100-£200 on my barclaycard. However, my balance on the card is about £2250 and im worried they will close my account.

can anyone tell me if they have succesfully claimed against barclaycard but have still kept their accounts open?

Thanx,

Laura

[oblong21]

I got 250 back with the letter before action and they didnt close my account. I sent a letter before action with a paragraph on the bottom that said i was already in the process of taking them to court for my current account.

The day after i sent it i received a phone call, the nice chap offered half the amount, when i declined he asked how much i wanted and i said ' all of it ' - now i better put my tin hat on for this but...
he offered 250 final offer and to save more time i accepted - i know i know i should have stuck to my guns, however - he refunded it to my heavily over the limit card the next day and guess what i did with some of my new balance?

I put the moneyclaim fee of a 120.00 on it a couple of days later when i actually filed my main Barclays claim.

Cheers Barclays....

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	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