Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Now this m is a teaser, I have a close on that account they paid me 44 in bank charges . However they put the 44 as a sale and i told them that they had made a mistake. However they are now charging me a late fee and a fee for going over my so called limit. However many times i ring up nothing happens. I have now got a letter saying that they are srending it to a debt collecting agency. I am not doing very well , this is a closed account and i have no card either. need help please.
My personal feeling is to make all future contact with B/card by letter; as you have discovered, talking to them does no good.
Can I just clarify what you are saying in your post? You have had a return of penalty charges to the amount of £44? and now you are being charged a further amount? Send a prelim letter for the return of whatever they are charging you in penalty fees by first class recorded delivery and watch them pay you back!!
HTH x x
Yes i am saying that i have had two barclaycards one has been closed for over a year. On this account the penalty charges were 44 they said they would pay up. But instead of sending me a cheque they put it on this closed account statement as a sale and then credited my existing barclaycard for the 44 . Still with me! But them they did not take the 44 as a sale off my closed one. They agreed that it could not have been a sale as i did not have a card anymore, But still putting late fees on it and over the limit charges. So now it stands at nearly 100.
I believe they DO have the right to offset the credit for unlawful charges on your old a/c against the balance on your new a/c.
However, they have obviously screwed up re your old a/c which should now show a NIL balance.
As Paintball says, forget calling BC and send them a letter by Rec'd Del'y pointing out that the closed a/c should show NIL and ask for their written confirmation that this has been sorted.
Write to them pointing out they are in breach of Sections 2.8, (i) & (k) of the OFT debt collection Guidelines and, if they continue to harass you about this, you can complain to your local Trading Standards Office and to the fos (which will cost them !).
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Bailey1957vBarclaycard closed account
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