Slick v Barclaycard

**slick132** · 19th September 2007 23:22

Hi there,

Just starting off a new claim to get fees back from BC.

Goes back to 2001 plus one over the 6 years icon

(June 01) which I'll see if I can sneak through.

Off to do a spready ...................

Slick

Similar Threads:

**moneyhelp** · 20th September 2007 09:22

Hi there.

Good luck with your claim - any worries or problems just shout and someone will pop in and help.

**slick132** · 3rd October 2007 00:11

Hello,

BC have replied saying they'll ONLY repay the difference between what I was charged and £12. However, they go on to offer me the full amount of charges anyway. But they won't pay any interest icon

.

I've just found 2 further charges from early 2001 (outside statute of limitations icon

).

Do I have to accept their offer without interest or should I proceed with lba icon

(including the 2 extra charges), then N1 for all charges + s.69 int't.

Can I claim contactual or higher rate of interest, if I can get my head round Advanced Spreddy, and is there a clear guide on this subject.

I know that CCI is now not do-able with bank charges although Noomill was helping someone reclaim more than 8% s.69 int't last week.

Help appreciated.

Slick

**thelightbrigade** · 3rd October 2007 08:34

Hi Slick, I think we are at a similar stage, BC have offered all charges and refusing interest icon

, I am not sure if I have to accept it or can I go for the CI. Im hoping I have calculated it right!

**slick132** · 3rd October 2007 22:44

Based on Sea-sideLady's advice, I am going to accept BC's offer to refund in full and forget the interest icon

, simple and compound.

So that's my Visa Claim over.

Now, on to BC Mastercard!

Slick

**sea-sidelady** · 3rd October 2007 23:32

If they havnt offered the full amount then you can carry on and file, and go for the interest icon

.

But if you are accepting the full offer, then well done and let us know as soon as you recieve it.

**slick132** · 3rd October 2007 23:43

Thanks SSL,

They have offered the full refund of £124 which I'm accepting. I won't bother with the statute barred icon

charges of £30.

Thanks for your input.

Slick

**noomill060** · 4th October 2007 00:02

You can accept this as part payment and persue them for the full amount in interest icon

they unlawfully took from you as well.

Charges + Interest @ their rate= full amount

**noomill060** · 4th October 2007 00:05

A £12 charge on 03/10/01 has now cost you £39.89.

You can claim it ALL back.

**slick132** · 4th October 2007 00:19

Hi Noomill,

It was actually YOU I thought of about CI after we met on Libellule's thread on Barclays icon

forum and she was in urgent need.

My problems:-

1. Just printed off acceptance ltr to BC (not really a prob).
2. I've looked at advance spreddy for CCards and can't make the damned thing work for me.

Should I use the Compound Int't Calc'r by E G Arghyrakis & Co - Compound interest calculator - which you posted.

If you can point me in the right direction, or offer advice, I'll happily reconsider.

I did not ask for CI when I sent my Prelim to BC and Sesidelady suggests I may have probs in Court if they say they offered to refund my chgs in full.

Thanks for putting this fly in my ointment! LOL

Slick

**thelightbrigade** · 4th October 2007 08:59

Hi Noomill060
What rate did you use for the below calc? I just want to saniity check my own calcs. I am at the same stage as Slick with this one although I claimed 27.9% from prelim on and was offered a goodwill gesture icon

equal to the charges element.

Originally Posted by noomill060

A £12 charge on 03/10/01 has now cost you £39.89.

You can claim it ALL back.

**noomill060** · 4th October 2007 23:04

Hi!

I used 19.9%

**noomill060** · 4th October 2007 23:04

Have you sent your letter before action icon

?

**noomill060** · 4th October 2007 23:09

Oh, I see you are just at the prelim stage.

Just send them another prelim letter, thanking them for the offer they made (which you will accept as part payment only), but you will be requiring the return of all money unlawfully debited to your account, including interest icon

.

**noomill060** · 4th October 2007 23:11

What is the % rate on your statements?

This is the rate you have been charged at, so this is the rate at which you need to calculate what you are owed.

**slick132** · 4th October 2007 23:48

Noomill,

Thanks for that BUT what device should I use to calc the int't please.

Slick

**thelightbrigade** · 5th October 2007 08:35

My Spreadsheet comes up with £39.63 based on 4th Oct calc @19.9% ???
Close enough I suppose.

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