Barclaycard Claiming Help Please **WON**.

**kittycatty** · 22nd February 2008 11:17

Hello again,

I sent off for the list of charges and after receiving them sent off the 1st letter, BC sent my own letter back to me stamped as received (weird). I then sent off the second letter which they received on the 9th Feb, since then I've heard nothing no letter confirming acceptance no offer of refund. So do I now just go ahead and file MCOL or give them a couple more days?

PS I have tried calling the CS helpline but with the language barrier they don't seem to grasp what I am asking.

Ta

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**scaper** · 22nd February 2008 11:59

If you have sent your letter demanding chgs back and you have confirmation of safe receipt, it is your timetable and you should file after the 14 days.

**kittycatty** · 22nd February 2008 15:29

Thats what I thought, just wanted to check so that I don't jump the gun so to speak.
Ta

**kittycatty** · 22nd February 2008 15:33

Sorry me again,
Do I have to report them to anybody or just file a claim?
Ta

**scaper** · 22nd February 2008 15:56

No just file your claim.

**Mr lex** · 22nd February 2008 16:23

kitycatty,

Personally I would consider claiming using the N1 form at your local county court icon

. The N1 form allows you a lot more space for you P.O.C.

See here :- http://www.consumeractiongroup.co.uk...-form-pdf.html

You also know that the claim is in the 'system'

Lex

**Blossomandebony** · 22nd February 2008 16:42

Kittycatty,

Have you considered making your claim through your local county court icon

?MCOL are staying all charges claims even credit card charges.

BAE

**kittycatty** · 22nd February 2008 17:07

Oh didn't realize about that Ta,
Do I need to go to the court to make a claim?

Sorry for sounding thick, it's the first time I have ever done this sort of thing.

Mr Lex, what's a POC icon

?

**Mr lex** · 22nd February 2008 17:22

You don't sound 'thick' kittycatty, far from it, we have all been there when we first start.

P.O.C. = Particulars of claim (these are the details you will rely on for you case)

Have a look here :- http://www.consumeractiongroup.co.uk...t-1140480.html

You can then take this to your local county court icon

and file it there in person (you know it is in the pipe line then

)

Lex

**kittycatty** · 22nd February 2008 17:27

Since writing to BC they have levied another set of charges on the account, is that a separate claim or can that be added on?

Thanks

**Blossomandebony** · 22nd February 2008 17:35

Hi,

I would simply add it on. You've gone through the correct process, sending the requisite letters, giving them time, etc, so they cannot claim otherwise.

I've had two claims against B/Card and both times it went to the court claim stage. And both times they settled a few weeks prior to the court hearing. It's their policy - they won't pay if they can get out of it and will they will test your resolve, for sure. . . but one thing is certain - they will pay up in the end!

Go for it!

BAE

**kittycatty** · 22nd February 2008 18:00

Looking at the court fees page it would seem that claims under £1500 would be free, is this correct?
Also I used an online calculator for the 8% interest icon

but the sample file on here said something about claiming interest uptill date of claim filed, so how do you work that out.

Ta

**saintly_1** · 22nd February 2008 18:09

http://www.consumeractiongroup.co.uk...es#post1143580 list of the fee's are here

If you use one of the spreadsheets here they calculate the s69 interest icon

for you ...... and automatically update each time you open it

I will get this thread moved to Barclays icon

barclaycard forum for you

**kittycatty** · 22nd February 2008 19:38

Thank You all for your help

**kittycatty** · 23rd February 2008 17:16

Hi I wonder if someone could explain something to me please.

On another thread b8byd v Barclaycard they mention "charges + contractual interest icon

+ interest applied by BC on the charges + contractual interest on that interest"

Can someone clarify what this is please.
And how to work this all out. Ive used the speadsheat someone kindly posted on here but I must be doing something wrong as it didn't add thing up etc.

Thanks

**slick132** · 23rd February 2008 19:56

Hi KC,

From what I've seen on your thread so far, my advice is to stick to claiming the s.69 Statutory interest icon

which Saint gave you the link for above.

If you've read up to post #60 on b8byd's thread, you'll see that claiming CI is far from straightforward and almost guarantees that BC will not make an offer to settle your claim.

Stick to the spready you have, fill it in and include all charges to date. You should end up with one total for your charges and another for the s.69 Int't.

Use the POC icon

Mr Lex linked for you.

Come back with any queries.

**saintly_1** · 23rd February 2008 20:07

Unless you are confident in arguing the case for CI then dont claim it.

Personally the simpler the better for me

saint

**saintly_1** · 23rd February 2008 20:08

Have a look at this post http://www.consumeractiongroup.co.uk...html#post50088 it shows how to complete the simple spreadsheet

**kittycatty** · 25th February 2008 15:31

Hi

Just an update.

I had letter from BC this morning saying " sorry you had to make a complaint about are service blah blah blah".
I called the number on the letter and spoke a lovely lady, I explained about the charges.

She refunded the FULL charges + 8% total interest icon

, £30.00 short of what I was asking. She even included the 2 that had just been applied to the account. No questions asked.

So all sorted on that front.

Many Thanks Guys n Girls.

**scaper** · 25th February 2008 16:03

Nice one and well deserved.

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