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Hi All,
I'm was hoping for a bit of advice if anyone can help.I recently wrote to Barclaycard asking for a refund of charges incured during the past 6 years which totaled £130.00 (£100 charges and £30.00 interest @ 8%). I've just received a letter back from them explaining that although they have always believed their charges to be fair they would be willing,as a gesture of good will,to credit my account with £40.00 as Full and final settlement which they say is the difference between the charges that i incured and the current fee of £12.00.
Is this correct??
Should i accept??
Also,having read a few threads on PPI would it be worth challenging them over the PPI i paid as i dont recall being given the choice to take it out,in fact i dont remember much about the application at all as i was signed up for the card by a very pretty youg girl when i was at Haydock Races and more than a bit worse for drink and to the best of my knowledge a couple of weeks later the card just turned up.
Here is the rejection letter you need to send. You also need to carry on with your claim. I'm not sure how far you have got so far. But carry on sending your prelim, lba then file at court. You can't get the interest before you file at your county court.
Hi Sea-Sidelady and anyone else taking an interest in this thread,
Sorry i have not updated but i've been extremely busy.
You will be pleased to know that after sending Barclaycard a "rejection letter" they decided to make another so called "gesture of goodwill" and credited my account in full
I have recently wrote to them requesting a full refund of £253.56 for "payment protection premiums" as i was unemployed when i was signed up for the card.
This is actually the second request i've sent but i forgot to send the 1st by recorded delivery so as it was over 2 weeks ago i'm sure they've ignored it hoping i'll go away (NO CHANCE) but I did send the 2nd request 1st class recorded and it was delivered on 27th August08 but i've not recieved anything back as yet but i would expect them to take the full 12 days!!!
Just as a matter of interest, If they didn't respond what would be my next move???
Glad to here you got a full refund of the penalty chgs.
The PPP's are different to reclaiming penalty charges and you'll just have to keep badgering BC for the refund on the basis that you were mis-sold this product and it was wholly inappropriate for your circumstances at that time.
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.
Thanks for the advice and i will keep you informed.
If they dont reply to the original request is their a particular letter i should use to follow it up, I think i recall reading on another thread that the best road to go down with PPI issues is the Ombudsman rather than the small claims court especially if you dont have your t&c's.
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 Charges
which totaled £130.00 (£100 charges and £30.00 interest
settlement which they say is the difference between the charges that i incured and the current fee of £12.00.
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