MRS PS VS Barclaycard

Phonesurgeon · 10th March 2007, 10:35

Hi guys i ve received the statement from barclaycard today and had a glance through.
What am i looking for? i ve highlighted the late payment charges and the exceeded limit charges(£24 a shot for both) anything else i need to look for? What about interest? Thanks

Phonesurgeon · 11th March 2007, 13:50

Hiya totaleed up the various charges and i was thinking which interest to go for?
The compounded interest or the contractual interest(when you file a court)?
is it easy to calculate the compounded? Many thanks

Advoc8 · 11th March 2007, 15:19

Hi, unless you can find anything like unpaid DD charges or bounced cheque charges (as in you paid them and it bounced) I don't think there's much else.

As regards interest if you know the rates that were levied on the charges have a look at the advanced spreadsheets for credit cards, which should help you with the sums. I've not been down that route myself so can't help you there. The statutory 8% is easy to deal with.

Phonesurgeon · 11th March 2007, 16:28

Thanks advoc8 i ve spent the last 2 hours trying to figure it out the compounded interest and my brain is hurting

i think i ll settle for the 8% after i file.

Advoc8 · 11th March 2007, 16:40

Hope all goes well, I think you'll find that they probably won't settle in full until days before the final hearing.

Phonesurgeon · 25th March 2007, 21:27

UPDATE:
Prelim sent 22/03 for £429.19 i ll wait and see what happens.

Phonesurgeon · 5th April 2007, 10:04

UPDATE
sent a lba yesterday to barclaycard and this time the missus in claiming the ppi insurance that she never signed for... she is a housewife and the only income she gets is child benefit... classic example of mis-sold ppi.
i am now waiting the end of 14 days to file at court...
I don't think they will make an offer.
Oh BTW i am claiming contractual interest.

Phonesurgeon · 7th April 2007, 10:40

UPDATE:
Sent LBA on 02/04 for £700... today got an offer for £132...

on 16/04 i will be filing N1 at court...

TUTTSI · 7th April 2007, 18:39

Don't forget to send the rejection letter accepting the GOGW as a partial settlement only, This letter is in the template library .Then you can deduct the amount you have received from your spreadsheet as I take it they would have paid it into your account by now, it is certainly worth checking up.
When you re-print your spreadsheet it would have updated with more interest, so print of several copies of the one you are going to use for the courts as you will need to send one to the courts one to Barclays and keep one for you.
In time you will need several more copies when it comes to doing your bundles for court.
Just shout if you need help.
DS

Phonesurgeon · 9th April 2007, 10:01

Thanks dsilverstein
I will be sending the rejection letter tuesday morning...
the account is now with Mercers who are threating court action although they default on my CCA request...but thats another story...

TUTTSI · 9th April 2007, 11:10

Quote:

Originally Posted by Phonesurgeon

Thanks dsilverstein
I will be sending the rejection letter tuesday morning...
the account is now with Mercers who are threating court action although they default on my CCA request...but thats another story...

Just a thought did you check your balance that they have actually paid you the GOGW. Don't send the letter untill you have confirmation that it has been credited to your account. IMHO
DS

Phonesurgeon · 9th April 2007, 11:20

well i have no way of checking if that happens as this account is now with mercers the in house dca from barclaycard... and i don't feel like phoning them to check

Phonesurgeon · 16th April 2007, 21:58

No more offers from barclaycard and so i take it i will have to file at court on wednesday morning.
Question time:
Name status and address where to send N1?

on a diffrent issue i will be filing tomorrow a different N1 for Data Protection Act non compliance so could anyone tell me
Name status and address for the defendant?

all help appreciated

Phonesurgeon · 17th April 2007, 21:17

Filed today at court for Data Protection Act non compliance...
Now waiting to get remaining statement to finalise the amount claimed

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