Settled credit card accounts

[rubric1705]

Hi

I'm primarly intrested in recovering bank charges from my Barclays current account but the more I read on here the more I'm now thinking about credit cards both present and closed accounts and my question is this; I had two credit cards approx four years ago which I'd run up around £10,000 between them, I was made redundant as a self employed IT contractor and as the payment protection on them was invalid due to being self employed (I didn't know this until after the event) I eventually settled on a lower amount than the outstanding balances, so could I still claim for missed/late payments etc.

Cheers

Simon

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[bearo]

Yes you can! Simply they were unlawful charges, whatever you agreed regarding a settlement on the account isn't in question here, their unlawful charges is a sepetate issue!

[rubric1705]

Hi

Thanks for that I'll get in touch with the companies, am making a start today with my current account, went through all the old statements last night and found that Barclays have ripped me off for £1785 over the last 6 years, what also apalled at how steeply the paid refferal fee has increased over the last 2 years from £20 to £30.

Cheers

Simon

[bearo]

Yes I was gobsmacked when I saw my husbands old account, their fees went up steadily over the years! Keep us informed and make sure you read as much info as you can here which will help you!