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Following a successful settlement of my bank charges claim with BC, I feel they are trying to screw me over with something else.
I checked my statement the other day. Despite the fact that I have a direct debit with them for the minimum payment and that I have not used the card for several years, I found myself over the limit and accruing over limit fees of 12£ every month since the summer when my claim was settled.
I phoned them up. The reason why I went over my credit limit apparently, was because my 'direct debit only deals with the interest payment and not the PPI' which is added on after!?!?!?!?! So the PPI of £20 took me over the limit!!!! The woman on the phone suggested I pay the monthly interest by DD and then pay for the PPI separately!!! Because the PPI depends on how much I 'spend' they can't include it on the minimum payment that comes out my direct debit!!!!!
My understanding of a DD is that they take the money that is owed to them every month. BC have not done that and charged me for the privelage.
Please advise on how I should go about dealing with this.
Thanks for your reply. Do I claim contractual interest on the PPI? that is currently 27.9%!! Or, do I claim contractual interest when account was first opened? thanks again!
If the charges are not much, you may prefer to use the Simple spreaddy, which calculates 8% Statutory interest. You can only add this when you file at Court, so don't claim this in your Prelim Letter or the lba.
There's a better chance of BC repaying the chgs without you Filing Court proceedings. The decision is yours.
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.
Barclaycard revenge.....
with them for the minimum payment and that I have not used the card for several years, I found myself over the limit and accruing over limit fees of 12£ every month since the summer when my claim was settled.
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