FRUITBAT v BARCLAYCARD - LET THE GAMES BEGIN

**fruitbat** · 6th July 2006 14:07

DPA letter sent to Barclaycard this morning, recorded delivery. Expecting same response as everybody else seems to get regarding information on microfiche blah blah blah.... Has anybody found out where we stand if they take this stance - I bet they would be able to get hold of pre-2004 statements if it was for their benefit! Will keep you informed of progress

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**fruitbat** · 13th July 2006 19:17

This morning I received statements dating back to June 2004. After reading Lynzpower's thread I have decided to claim the £240 from the last 2 years statements and then request copy statements at £3 each and file a further claim at a later date. Preliminary request letter to be sent 14.7.06.

**fruitbat** · 10th August 2006 17:07

Yesterday received response to my request for refund of charges saying they disagree with my legal analysis but as a sign of goodwill are willing to refund £96, this being the difference between each charge levied and "the £12 recommended by the OFT" (I think not). Am intending to reply along the lines of "am pleased to accept the £96 as an interim payment but will be seeking the remainder through the courts if necessary".

Is this the right course of action?

**fruitbat** · 18th August 2006 14:33

Received the expected reply to my lba icon

this morning. They say the charges incurred are in line with the agreed terms and conditions of account and I may be eligible to refer to the Financial Ombudsman icon

Service, They will consider the matter closed if they near nothing within 8 weeks. I will be filing my moneyclaim on line beginning of next week but I'm feeling very nervous about it all. Will hopefully, be able to find a court buddy in North Essex area if it comes to it. Onward and upward then.

**Warms** · 18th August 2006 22:10

Go for it, Fruitbat!!!

**Deedee73** · 19th August 2006 08:19

GO FRUITBAT GO!!!!!!!

Behind you all the way

**fruitbat** · 25th August 2006 22:48

Got latest statement today showing that they have credited the £96 (accepted as only a PART SETTLEMENT) to my account. When it comes to filing MCOL next week do I just work out total charges + 8% interest icon

and then take away the £96 to get total claim amount or do I ignore the £96 for now and assume that Barclaycard will deduct it from the nice cheque they will be sending me in the near future? HELP PLEASE.

**Warms** · 26th August 2006 19:44

Originally Posted by fruitbat

I just work out total charges + 8% interest icon

and then take away the £96 to get total claim amount.

As far as I remember reading here on thie site that's what you do!
Hope it's over for you soon

**fruitbat** · 26th August 2006 21:24

Hi Warms, thanks for the advice - unfortunately once this one has paid out I have to start the whole bloody rigmarole again (£3 per statement this time) for the previous 4 years. Could kick myself for not keeping 5 years worth of bills and statements but c'est la vie.

**Warms** · 27th August 2006 10:24

My fiance

threw loads of paperwork out before I moved in with him. Little did we know back then!
We will use some of the money Natwest icon

has to pay us back to get the missing statements from B'card...

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