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Hi All
I am new to this site but not barclaycard,mercers,calde rs or whatever the muppets call themselves these days!!
I became ill and at present paying £1.00 month.
Decided to claim unfair charges to the account,and I just received a few hundred pounds back from them,unfortunaltly I wont get any in my pocket as they have claimed that because of all the interest added to the account since I got into difficulty this amounted to the present balance !!!
cant prove it cos the Alliance One,another barclaycard aggravator, refused to send me a statement decaring "they were not a billing agency" !!!
(and breathe) sorry for the rant
any ideas folk what I can do next???
was I supposed to have the money sent directly to myself??
Barclaycard said account not 'really' defaulted just in debit balance????
now really confused
help !!
Hi Muppy and glad to see you have your very own thread now.
Did you start a proper charges reclaim with BC and did you have all the state's for the a/c up to when you claimed.
Did you agree with the amount they refunded to your a/c.
It sounds like Alliance One are being unpleasant and unhelpful. Are they dealing with collection of the remaining debt and are they pestering you for it.
It may be worth sending BC a CCA request to see if they have the proper doc'ts to be able to pursue/enforce the alleged debt.
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.
2: worked out that they owed me £718.00(balance due at request date 23/08/07 = £628.70) I had problems hence the delay!
3:sent 1st letter asking for all charges to be refunded.
4:letter back"bugger off" will credit your account with £202.00 and to get lost.....
5:sent 2nd saying pay me my money or go to court!
6:had letter back will credit account all fees & 8% = £775.44 as goodwill gesture, but that charges were still fair.......blah blah
I called them back, they wont budge,the account has outstanding debt, so go away.............mmmmhhh unsure what to do next....
I was quite lucky really the right letters did all the work, the time between letters has been only 1 month before they paid out.
I am unsure of the cca's as havent I already admitted the debt on the account?
I called them back, they wont budge,the account has outstanding debt, so go away
I assume you mean, "they won't send me a cheque but are keeping the refund to reduce the debt on the a/c". Unfortunately, this was bound to be the case where a debt is outstanding.
So you've got all your charges back plus a flat 8% bonus on top. What balance is now owing on the a/c.
Have you suffered any further charges since August 2007 which have not been repaid. I assume you've kept the more recent state's.
There may still be good reason to send them a CCA request if there's a balance that you owe on the a/c. You could stop them adding further chgs or interest to the a/c IF they don't have the proper doc'ts.
You could also repay the balance at a rate which suits you without them pestering you all the time.
What you could have done, to recoup the interest as well as the penalty chgs, was to reclaim the chgs plus CI (Contractual Interest) which would have claimed interest back at the rates they charged you.
Too late for that now though, I'm sorry to say. Also, they would fight that and you'd have to take your claim to court, prepare court bundles, etc.
Let us know about the recent charges and the current balance.
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.
I am going to wait for the letter I requested from Barclaycard to indicate a nil balance before I approach them with recent charges added to the account.
I had decided only to add 8% interest( my maths as poor as my english)
I actually couldn't believe how easy it was to make them pay up.
It proves that the letters on this site are worded just so, that they realise your not joking
I am considering sending cca's to my other creditors as the charges that have been added to them is sickening.
look's like plenty to do, letters to write he he !!!
Thank you for listening to my moaning, it is appreciated.
Re other creditors, use a CCA request if you want to see if they have the right documents to enforce a debt. This applies to credit cards and store/catalogue accounts.
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.
muppy v muppets@barclaycard ect
added to the account since I got into difficulty this amounted to the present balance !!!
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