Consumer Action Group envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
17th May 2006, 15:15
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#1 (permalink)
| | Site Team The Consumer Action Group |  Dave v Barclaycard
Sent off for the list of charges under the Data Protection Act some months ago, and only last Saturday did I discover that my partner had inadvertantly used my card to buy something on ebay (3 cards in paypal account) for £1.86, for which Barclaycard took £20 for as it put me about 80p over my limit.
So, with renewed vigour, I set about wading through the list of charges - and totalled 540 quid. Interestingly, the last year there were a few charges that were reveresed the following month - maybe I got better at arguing with them!!
Anyway, 14 day, give the money back letter sent, and I am accepting nothing less than 19.9% APR - they borrowed my money without my consent, thus, I have added an unauthorised borrowing %.
Send recorded - they have recieved it, but as such no reply.
12 days to go before D-Day (for them!).
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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17th May 2006, 15:25
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#2 (permalink)
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Lueeze
Guest | Re: Dave v Barclaycard
Wow good luck with that! If yours works with 19.9% I might have a go with barclaycard on that too!!! | |
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17th May 2006, 15:29
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#3 (permalink)
| | Site Team The Consumer Action Group | Re: Dave v Barclaycard
I can't see how it won't work really.
The only thing they can do is apply to have the claim struck out - which I can't see really - there's surely an implied term in the contract that states that if money becomes oweable by them, then it should be at the same rate - I can't see a judge throwing that out - it's quite possibly the fairest way of calculating it.
Also, to dispute the % if it's not thrown out would mean that they would have to go to court to prove otherwise, and in the process would have to face my attack of their charges, something they could only escape by disclosing how they arrive at the £20 figure for doing nothing.
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
http://www.facebook.com/profile.php?id=577405151
------------
Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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17th May 2006, 15:33
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#4 (permalink)
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Lueeze
Guest | Re: Dave v Barclaycard
Yes, i recon its fair game, if they can charge us that why not reverse it? Go for it Dave, if you do it may make me a bit richer than I envisaged! | |
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17th May 2006, 16:11
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#6 (permalink)
| | Site Team The Consumer Action Group | Re: Dave v Barclaycard
Use Vamps excellent spreadsheet in the library section 
I did!
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
http://www.facebook.com/profile.php?id=577405151
------------
Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road,
London,
NW11 7PE
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