Young v Barclaycard

**Bev77** · 22nd June 2007 09:59

Hi all, I'm new to B'card, but have been successful with Nationwide icon

bank and I'm in the middle of one with Lloyds icon

TSB.

I understand that the process is slightly different with a credit card than it is with a bank, so I'm just introducing myself here, as I'm right at the start and am just about to send the SAR icon

off to them today.

I've been having a read around, but there doesn't seem to be too many success cases with B'Card? Is this the case? I recently started a case against Barlcays Bank for my brother and his girlfriend, and they offered about 90%, which my brother decided to take as he was getting it in the ear from his girlfriend. And that was way before they got to court, that was only after the prelim letter.

I guess I was hoping that B'card will be the same (same company after all), but that doesn't seem to be the case. Someone please correct me if I'm wrong?

Anyway just wanted to show my face as it were.

Similar Threads:

**moneyhelp** · 22nd June 2007 17:30

Hi Bev and welcome to the Barclaycard thread.

I for one can say they are a blimmin' nightmare, I can't even get my statements out of them!

Wishing you go luck on your claim

**pinadagolf** · 23rd June 2007 22:34

Still awaiting some microfiche statements from Barclaycard. 40 days now up! Submitted those I received for payment. They sent a quarter of the amount owed!!I think its time to file a moneyclaim online for the rest, plus interest at 8%!!
Good Luck ,Pinadagolf

**moneyhelp** · 23rd June 2007 23:32

Pinadagolf

Start your own thread then we can keep an eye on your progress.

Good luck!

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If I have helped in any way please click on the scales in the left corner also please remember that any advice I give is purely my own experience or opinion. Ta.

**Bev77** · 8th August 2007 09:23

Well the 40 days were up on the 1st August. I've received copy statements this morning. On first reading the covering letter says that records beyond May 2004 are on microfiche and are not covered under the DPA, blah blah blah. BUT on this occasion as a gesture of goodwill icon

, they have included them (how nice!)

Now which transactions am I looking for? I know with Banks it's any o/d, dd, so, etc payments plus interest icon

on those payments, but not sure what to look for in CC statements.

Any help please?

**Bev77** · 8th August 2007 09:38

Right, just having a quick check through and I seem to have several strange entries:-

interest icon

on standard balance
Interest on consolidation balance
Out of order fee (roughly £40 each time)*
Returned payment charge (£15)*
Late payment charge (£20)*
Over credit limit charge (£20)*

* These are the ones I can claim back?

Is this right?

Any help appreciated

**pjdavies2000** · 8th August 2007 09:52

The last 3 definately, but never heard of the Out of Orde charge - do you know what it relates to?

Peter

**Bev77** · 8th August 2007 09:58

No idea, just says out of order charge. It was in Jun 2002, so maybe they renamed it something different, I only have the one.

Can I use the same spreadsheet for working out the charges as the one we use for working out bank charges?

edit: to say that I have just found another one in Jan 2005, so have no idea what it is? Perhaps they just think I'm being 'out of order' lol!

**pjdavies2000** · 8th August 2007 10:11

There is a spreadsheet in there somewhere for Credit Cards - it's in the same download section of the templates library icon

, just a bit further down.

I suppose in your PreLim, you could ask for this charge to be explained, and add it in when you find out - but I wouldn't risk somethign you don't know until you are sure - not the way the bamks are oplaying lately!

Peter

**Bev77** · 8th August 2007 10:12

Thanks, will go have a look for it now.

**Bev77** · 8th August 2007 10:19

Sorry to be a pain, but I'm now up to April this year and there is something labelled CHRGOFF PURCH FEES £193.39, AND CHRGOFF PRCH PRIN BALM £1004.55

Any idea what these are? I've been on a repayment plan icon

since April 2005, and haven't used my card at all snce way before then?

**pjdavies2000** · 8th August 2007 10:23

I think that is the cost of them setting you up on a repayment plan icon

and/or passing you over to a DCA icon

, and the second is the total balance left to pay, including that charge.

Would that make sense to your account?

Also, if they have done that, have you considered using the loaded weapon that is a CCA request.

I'm not one to drop what I owe, but when they start getting petty and messy with me, then I find it har not to play hard ball back.

I am currently waiting for my CCA to arrive, and if it doesn't, then all hell will break loose!

Peter

ps - thanks for the tinkle!

**Bev77** · 8th August 2007 10:51

Well I did think that, that it was when they passed it over, because it adds up to the total balance, and then it says present balance 0, amount due 0, credit limit 0. So I thought it must've been passed over, but then the next months statement, which is June's (but marks all May's transactions) says current balance (£1192) again, so does that mean that they have got it back?

RE the CCA, I haven't done it with B'Card. Although I did try that route with Capital One icon

for both mine and my hubbys cc and unfortunately got them both back! Also tried it with hubbys loans and got them back as well! Damn! lol

Thanks for the thinking though,

**pjdavies2000** · 8th August 2007 12:28

sounds like it was passed and passed back then...
...and this has been a common thing with BCard when they don't have a CCA agreement. Mine was with a DCA icon

and passed back after I CCAd them.

could be worth a try again - after all it's only a quid! - and they seem to know something is up if they have had the debt passed back?

Peter

**Bev77** · 9th April 2008 10:56

Right, I finally got my a*se into gear and sent the letter off to B'Card. Charges came out to £758.53, plus interest icon

at 8% of £247.83. TOTAL £1006.36. Sent the letter on 20th March, got a reply this morning.

As a gesture of goodwill icon

and with no admission of liability, they are prepared to credit my account with the difference between my charges and the current £12 fee, which equates to £296, plus 8% interest.

Obviously this is a lot of difference between the amount I am claiming. I'm not scared of fighting and taking it all the way.

Should this be my next step? Sending them notification that since I have not received a satisfactory response I am now taking it further and the next step will be court action.

I am tempted to ask them to wipe the debt completely as the total debt is only a few £££'s more. What do you think my chances are? lol

**slick132** · 9th April 2008 14:46

Hi Bev,

If their response was in reply to you Prelim Letter, send them your lba icon

now.

If the offer was in reply to your LBA, you should now file at court.

Did you actually send BC a CCA request and have they replied.

**Bev77** · 9th April 2008 17:38

Sorry, yeah it was in response to the prelim letter. I'll send them the lba icon

letter.

I haven't sent a CCA request to B'Card. I've sent one to all my other CC companies and have received the proper paperwork back, so just assumed that this would be the same. Do you think it would be worth sending a CCA request then?

**slick132** · 9th April 2008 20:07

Hi Bev,

See how you get on with the claim - if the chgs clear the debt or nearly do so, no need to CCA them.

Also, send them a Rejection Letter from here - http://www.consumeractiongroup.co.uk...ng-offers.html . Select the one most appropriate for your case.

**Bev77** · 10th April 2008 12:50

The charges are not far from clearing it, think there might be a difference of a couple of hundred or so.

Will send a rejection letter and lba icon

as soon as poss. I'm def not going to accept their offer of £250.

**slick132** · 10th April 2008 19:48

Good for you !

That was a poor offer by any standards. They may not be taking you very seriously because you let this slip, timewise.

Keep up the momentum now and you should get what you want in the end.

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