me v them

[erin01]

hi, just got letter and copy statements back today from Skycard (barclay card in another guise). bit more daunting when it actually shows. do i just highlight the charges and send back with the next letter. Another point is if the charges change in amount, ie they are £25 then go to £12, this around the time that the charges were deemed to high, can i still claim for the new amount? Also,i cant see how, if i am over limit, but make a payment that doesnt bring me back within the limit, that i can be levied a charge, its not like i`m not making payment? the over limit charges are mainly the ones that got me in trouble in the first place and these were always more than the payment i was making, easy to see how, when you are over a barrel, that you end up in trouble. sorry for rambling at the end of this thread, but i need to speak to like minded people, not some mong in a foreign call centre!!
good luck all,
Neil

lloyds Subject Access Request sent, 5/2/07
skycard Subject Access Request sent 5/2/07 statments received 17/2/07.
MBNA Subject Access Request sent 5/2/07, blah letter received 16/2/07 (poor them the clock is ticking!!!)

[livelylad]

Originally Posted by erin01

hi, just got letter and copy statements back today from Skycard (barclay card in another guise). bit more daunting when it actually shows. do i just highlight the charges and send back with the next letter. Another point is if the charges change in amount, ie they are £25 then go to £12, this around the time that the charges were deemed to high, can i still claim for the new amount? Also,i cant see how, if i am over limit, but make a payment that doesnt bring me back within the limit, that i can be levied a charge, its not like i`m not making payment? the over limit charges are mainly the ones that got me in trouble in the first place and these were always more than the payment i was making, easy to see how, when you are over a barrel, that you end up in trouble. sorry for rambling at the end of this thread, but i need to speak to like minded people, not some mong in a foreign call centre!!
good luck all,
Neil

lloyds S.A.R - (Subject Access Request) sent, 5/2/07
skycard Subject Access Request sent 5/2/07 statments received 17/2/07.
MBNA Subject Access Request sent 5/2/07, blah letter received 16/2/07 (poor them the clock is ticking!!!)

Hello and welcome, you can reclaim both the old and new amount. you need to complete a spreadsheet and send this back with the bank with the prelim letter. This gives them a complete list of all the charges you are reclaiming.
6. Interest calculation spreadsheets

2. Letter - Preliminary approach for repayment.

[erin01]

thats great, will do in a"quiet moment" in the evening!!!

Also, all they have sent is copies of the staements. As i sent the first template letter, should they have sent me anything else?

[livelylad]

Originally Posted by erin01

thats great, will do in a"quiet moment" in the evening!!!

Also, all they have sent is copies of the staements. As i sent the first template letter, should they have sent me anything else?

No that is fine.

[TANZARELLI]

Ahh I see Neil

[TANZARELLI]

Thanks for the click

[erin01]

i am working out the charges to claim claim back. what rate of interest do i ask for? Or do i only ask for interest at 8% when and if it reaches court?
I`m a little unsure.

Neil

[TANZARELLI]

Either check out the APR relating to you card and use that from the start ie prelim (Contractual Interest), or use Statutory Interest Rate s69 @ 8% when you file.

I am using 27.9% (but they vary depending on the card type) for my claim this has been included in my prelim letter.

Credit Cards, Personal Loans and Insurance - Barclaycard

HTH

[Bicester1]

Hi

Very important that you claim some interest from the word go. Some ccs are now offering full refund of the charges by return, if you have claimed no interest in your initial request for repayment you can't go back and then ask for more if they have offered to settle. IHMO I suggest you ask for contractual from the word go and then negotiate.

Nat West are offering charges and 8% at LBA in the hope of avoiding contractual! Barclaycard are offering charges minus £12 which they claim is "legal" and I think are putting up more of a fight aka being b###y minded and obstructionate!

Bicester1

[TANZARELLI]

Originally Posted by Bicester1

Hi

IHMO (In Honest My Opinion)

Barclaycard are offering charges minus £12 which they claim is "legal" and I think are putting up more of a fight aka being b###y minded and obstructionate! (Dont they always)

Bicester1

Tanz

[erin01]

just got 2 letters today, 1st one saying they are looking into complaint and the second....surprise surprise" we do not agree with what you are claiming"!!!
firstly they are saying that the amount i am claiming is more than their records show(will recheck that), secondly they are only offering about half the amount i am asking for.But they will only put it in my account if aggree to this settlement. this they say is the difference between when they charged me £25 and the £12 they charge now! so they are only offering me £13 off the original £25 charges BUT none of the £12 charges.
what they fail to realise is that in doing this they are admitting they are wrong, even if they try to preclude it with the "as a good will gesture" statement.
Also there is no breakdown of the costs. they say they will keep the complaint file open for 8 weeks(which mbna did)
How do proceed. I want to reject it and continue, they still have about a week until the deadline of my first repayment letter. Is there a rejection letter i can use? can someone give me a link to it please?
thanks all in advance for any help.

[TANZARELLI]

See here: Rejecting Offers]

Also you might want to add into the letter somewhere, this:

I must point out that the OFT said, “We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold”.

Hope that helps

Tanz