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Letter dated 3 Oct, received 15 Oct, from Barclaycard, accepted offer of £20 p.m. for 6 months. When 2 monthly payments have been received, they will put account on to repayment plan. interest suspended for 6 months.
Letter received from Mercers dated 27th, received on 30th Oct demanding full minimum payment due.
I sent letter dated 30th October to both Mercers & Barclaycard telling Mercers I have already had acceptance of a reduced payment plan of £20p.m. and in view of the fact that I am over my credit limit by £104 (charges only) could they refund my attached schedule of charges totalling £188? 14 days to reply.
Letter dated 4th November, received today 7th, from Mercers advising "they will be instructing a local debt collector to visit you at the above address to collect payment."
Seems the left hand doesn't know what the right hand is doing!
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.
Letter received from BC today in response to mine of 30th October, detailed below.
BC are sorry I think the charges are unfair. They believe they are both fair and transparent and clear in their T & C's. They disagree with my legal analysis.
As a good gesture they have refunded ONE charge difference only, £8 plus 0.64p interest. They suggest I may be eligible to go to the fos. If they haven't heard from me in 8 weeks, complaint file will be closed.
I paid 1 x £20 last week and another scheduled for 17th Nov, so at least then interest and charges will be frozen. Then I have to spend the next 7 months @ £20 paying off their existing charges that have taken me over my credit limit in the first place. How ridiculous is this ?
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.
However, are those letters not too strong at this stage? I have only ever been charged once at £20, the rest are 14 x £12 (in the last 7 months). They have already accepted £20 p.m. but will only freeze interest and charges when they've received 2 payments. I'm just cheesed off that I'm going to have to pay for 7 months just to get back to my credit limit
Is there not a template for something appealing to their 'fairness', my DSS only income, account conducted satisfactorily since Oct 2005, will take them up on their offer to go to fos. go to court and they'll get £1 p.m.???:-?
"Appeal to their fairness" - you need to read a few more threads in the BC forum. Wait till you've missed a payment or 2 and see how their Better Nature starts ringing you 10 times a day.
Getting back the chgs is not really connected with your present cash flow probs. You should send the Rejection Letter and the lba.
You won't get results with them by tip-toeing around. They owe you the full £20 plus all the £12 charges and the refund of these will reduce the debt you owe them.
The letters aren't rude and they don't require "softening".
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 Slick, have obviously been exhausted with MBNA! You're right and I shall do that. Give me the exact rejection letter, if you would please, presumably Letter 1 OR 4 ???:-? Will get them off tomorrow....
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.
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.
Received this morning a nasty text msg on MY cellphone from Mercers re this a/c which is in my OH's name! Now that I have a recorder on my phone, I called them back to be told that although Barclaycard agreed to £20p.m. within 14 days, in their letter dated 3 Oct, received on 15th(!) October, Mercers cancelled the plan because £20 should have been received by end of October. I paid £20 on 7 November and have a Stop Order set up for next payment on 17th November and thereafter every 4 weeks when we receive benefits. She agreed to re-instate the plan but needly a monthly date because that's the way they operate not 4-weekly. I told her that yesterday OH issued an lba directly to BC. I requested that P2Contact leave off
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.
There's no letter. Either get 3 copies of Form N1 from your local court or download them from the Site or from the HMCS site. Follow the Recaliming Charges guide in Link No1 in my signature below.
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.
Letter received from Mercers this morning confirming account is now on a repayment plan of £20 p.m. as agreed. No interest for next 6 months and then review.....
AA99 v Barclaycard no.3
. interest
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Re: AA99 v Barclaycard no.3
