Tinkerbelle vs Barclaycard - 1st Response to Prelim

[Tinkerbelle]

Preliminary request for refund sent recorded delivery on 13/04/06. Deadline for response was 28/04/06.

Sod off letter received today 27/04/06. Copied below for your info.

========================= ==================

Barclaycard House
PO Box 5592
Northampton
NN4 1ZY
20 April 2006

Dear xxxxxxx,

BARCLAYCARD SERVICES
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX

Thank you for contacting Barclaycard.

The Terms and Conditions of your Barclaycard were varied from the 1st August 2001. Instead of being charged an annual membership fee, your account is now subject to additional charges for late payments, exceeding the credit limit, returned payments and for copy statements and vouchers. Notification of these changes was sent to customers during June 2001.

The Office of Fair Trading (OFT) have made a recommendation to credit card companies of taking action to review their levels of default charges e.g. late payment fees, which they believe to be excessive.

We remain committed to supporting our customers who may be experiencing financial difficulties and believe that our current policy is the fairest way of applying fees to those who break the terms of their agreement.

Confirmation of the charges is shown on the reverse of your monthly statements and also in the Barclaycard Conditions. I can confirm that the charge is correct and as such is non-refundable.

Customer satisfaction is of the utmost importance to Barclaycard. For your information I have enclosed a leaflet detailing how we manage complaints. Should you have any immediate concerns or queries, please do not hesitate to contact our Customer Services Department ob the telephone number shown above.

If I do not hear from you witin 8 weeks from the date of this letter, I will assume that your complaint is resolved.

Yours sincerely

Sharon Woodhouse
Barclaycard Customer Services
ENCLOSURE: we value your your feedback
========================= ========================= =======


There was no enclosure in the letter. Just the sod off letter.

Working from home tomorrow (printer bust), so will be sending off the LBA just after the Bank Holiday next week when I am back at work.

I'm tired and slightly "peeshed" hic!, so can't think of any witty comments to add

Wish me luck.....think I'm gonna need it with this lot!

	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

[Ombler]

hi i've just got my sod off letter from baclaycard what did you write in responce? i'm juggling the template Data Protection Act letter about at the mo.

thanks
ben

[Tinkerbelle]

Ok. I have drafted my LBA to Barclaycard, which will be posted tomorrow.

========================= ===================

LETTER BEFORE ACTION

Sharon Woodhouse
Barclaycard Customer Services
Barclaycard House
PO Box 5592
Northampton
NN4 1ZY


Dear Ms Woodhouse,

BARCLAYCARD ACCOUNT NUMBER: xxxx xxxx xxxx xxxx

Further to my letter of 13th April 2006 requesting a refund of unlawful charges applied to my account, I am disappointed to see that you have chosen to decline my request in your letter dated 20th April 2006.

I would once again like to draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I calculate that you have taken £500.00 from my account on which you have charged additional interest.

I require repayment in full of this money. If you do not comply fully within 14 days, I will write to you with a Final Letter before Action, giving you a further 7 days in which to re-consider your position. At the expiry of these deadlines, if the monies have not been repaid in full, I will begin a claim against you for the full amount plus interest plus my costs and without further notice.

Yours faithfully,
========================= ==============

I am giving them an extra 7 days after the 14 days LBA, as I'll have been paid by then and can issue the moneyclaim when they ignore to refund me MY money.

I can't believe they haven't even offered me any kind of settlement! BA****DS

	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

	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.

[Jamboray]

Good luck with Barclays, they are on my hit list for next month

You and I have a lot in common Tinkerbelle.......we have been ripped off by the same banks....lol

[Tinkerbelle]

After a slight delay, while I concentrated on chasing my other "debtors", I am now back onto Barclaycard.

Had already sent prelim and LBA, so have now sent them a FINAL LBA today giving them 14 days to pay up.

They haven't even offered me anything so far. Just two letters about "we are investigating your Complaint".

Well you carry on and investigate Mr BarclayCard. I expect you will drag this out until armageddon

	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

[mrfalconer]

Originally Posted by Tinkerbelle

After a slight delay, while I concentrated on chasing my other "debtors", I am now back onto Barclaycard.

Had already sent prelim and LBA, so have now sent them a FINAL LBA today giving them 14 days to pay up.

They haven't even offered me anything so far. Just two letters about "we are investigating your Complaint".

Well you carry on and investigate Mr BarclayCard. I expect you will drag this out until armageddon

I'm watching this thread with greatinterest

I recently sent a letter to Barclaycard asking for a list of all charges to my account and have received a reply of "you can have statements up to 2004 for £10 - additional statements are £3"

You should have a look at the Motley Fool - There's a guy on there called Neil Faulkner (I reailse the names are similar, but I'm no relation!) that highly recommended & pointed me in the direction of this site.

See his article here (with links to other articles on the same subjext)

http://www.fool.co.uk/news/comment/2...oodftxt0010001

	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

[libertie]

Any news with the barclaycard snails tinkerbelle? .......They are so slow...........