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.
Currently claiming back £160 in various charges (late payement, out of order charge) from Barclaycard.
Letter sent off and reply received offering £24 as good will!
Replied accepting this as a part payment and requested the remaining amout to be paid
On the 31st January I received another letter saying
Quote:
"Having checked our records, I can confirm that you have been charged fees totalling £120, we refunded £24.00 of these charges.
In the circumstances, as a gesture of goodwill, I have credited your Barclaycard account with a further £120.00"
Strange as the Barclaycards been dead for around 4 years. Phone up and they stated it still shows an outstanding balance of £1200/ I advised this was cleared in 2005 when it was passed to Lowell Finance and I have a letter confirming it was cleared. I asked if they could phone Lowell up to confirm but apparently they "dont do this".
I sent the fax last week and phoned upto and asked when it going to be creditded to my bank account. Ive been told the person dealing with it is off for a week, and that its only £96 they are refudning.
I asked them to explain the letter and she said
"we refunded £24, we wont be adding another £120 - £120-£24 is the £96 we will refund"
Im still trying to get my head around it! I would have been happy with the £144, as total charges were £160 (not £120 as stated in there letter"
Looks like I may have to take it to court, im guessing the letter will help in my favour, as to me it reads they are going to refund £24 + £120
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.
No, this is the first time ive attempted to claim back any charges on my Barclaycard account. I was more then happy to settle for £144, but im certainly not settling for £96 - Especially after they told me they were going to refund £144!
Not to sure what to say to the woman dealing with in on Monday when she phones back!
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.
PR vs Barclaycard
, I have credited your Barclaycard account with a further £120.00"
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