phillstarr vs barclaycard

phillstarr · 1st March 2007, 16:34

i have sent my first letter off today.
just got to wait the 40 days now

phillstarr · 27th April 2007, 14:00

hi all,
my 40 days are now up and i have not received all my statements, the usual microfiche delay tactic.
i am now not sure what i should do.
i have seen some stuff about going to court about non compliance, is this what i should do next or can i just estimate from the statements i already have?
any help would be appreciated.

Mumofthreeboys · 27th April 2007, 14:02

You really need the statements in order to make sure your claim is correct.

Read this and send the appropriate letter Data Protection Act - Non-Compliance - Template Letters

phillstarr · 27th April 2007, 14:05

thank you mumofthreeboys

phillstarr · 5th May 2007, 13:16

hi folks,
rite i`ve now got all the statements back and am ready to claim my money back.
what would be a reasonable amount of compensation to ask for back?
is there a standard amount? i`ve been told 6% is what most people are asking for.
i seem to remember something about also being able to make bc take my name off a bad credit register, is this true?
thanks for any help.
phill.

phillstarr · 5th May 2007, 15:56

hi all,
sorry to bother you.
i am trying to work out what interest to charge bc,
how do i know what rate they have charged me so i can use vamps spredsheet?

Mumofthreeboys · 5th May 2007, 18:05

The standard interest rate is 8% at the time of filing, but do you wish to go for contractual interest instead?

phillstarr · 7th May 2007, 14:35

i think so yes.
i only ever borrowed £250 back in 2003 but have been paying them back ever since. ok this is my own fault for being in so much finantial difficulty over the years.
i would like some of the money back that i have paid them over the odds.
i`ve got a number of figures on my statments.
purchase annual rate 27.9%
cash annual rate 27.9%
and interest on your standard balance 2.075%
not that i understand what any of this means!!

phillstarr · 9th May 2007, 12:00

first letter of request for money back sent yesterday
£596 plus £350.33 contracual interest.
14 days to wait for foboff.
thanks to vampiress for the spredsheet and all the other people who have helped so far.

standingupformyself · 9th May 2007, 21:56

what rate of contractural did you charge? I did 24.9

phillstarr · 12th May 2007, 18:04

Quote:

Originally Posted by standingupformyself

what rate of contractural did you charge? I did 24.9

on my statements it says 27.9% plus i looked on the web site and on there it says the inital card (the one i`ve got) is the same 27.9%.
the way i see it is; if i`m wrong they can take me to court. if they don`t pay it, i`ll take them to court. just have to wait and see.

miss muppet · 12th May 2007, 21:06

Hi, Good luck, my hubby's story is similar to yours, only small amount of money involved and paying forever. Got partial refund of £123 which leaves balance around £400 and claim includes interest of 8% via MCOL and still only around £300 and they still raised a defence at the last minute. Hubby has preliminary hearing at the end of June, following case guidance notes, plenty of help there, maybe they'll make an exception with you and pay up straight away!

phillstarr · 24th May 2007, 12:02

14 days up and i`ve had an offer of £260.
sending letter of rejection now and see what happens.
phill.

miss muppet · 25th May 2007, 08:04

Good luck Phill sounds like same old Barclays

phillstarr · 12th July 2007, 12:45

hi all,
received a letter back from b/c.
referring me back to "our" terms and conditions and this included details of our charges. is this one of them standard letters?
should i now send my lba?
i have read through the lba and it seems geared towards banks,
is there an lba for credit cards?
i must admit that i am starting to get a little confused with all this, there is just so much info out there and it is like wading through a swamp.
any help gratefully received.
thank you.
phill.

standingupformyself · 12th July 2007, 13:03

yes, the letter sounds standard. Use the standard LBA, but read through it first, as there are just one or two things to change, example the word overdraft to be omitted etc.... otherwise you are good to go

phillstarr · 10th September 2007, 13:04

I have now received a letter back from barclay card.
it says " blah blah blah,....... i have checked our records, and i can confirm that you have been charged fees totalling £946.33 since march 2003. in may we refunded £260.00 of these charges.
blah blah blah........following publication of the report by the OFT. we believe our charges are valid and reasonable and as such we are not prepared to refund any further charges.
i am sorry............ for the purposes of the ombudsman service you may regard this letter as our "final response"

i am now wondering what i can/should do?
could someone please advise me?
phill.

sea-sidelady · 11th September 2007, 10:30

Well you can send a rejection letter letting them know you are claiming the full amount.

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