DDWales vs Barclaycard***WON***

**DDWales** · 29th December 2008 11:57

Hi all. Id just like to thank all of you on here for your fantastic advice.

After reading all of the forums and stickies i sent off for the SAR icon

to Barclaycard two weeks ago and recieved the documents back yesterday. I am now in the process of adding all the charges up and making the next step. Will keep you all informed. I think this will be the first of many.......

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**slick132** · 29th December 2008 23:57

Hi DD,

Keep us informed and shout if you need any help or advice.

**DDWales** · 30th December 2008 13:02

Thanks very much Slick132. Will do

**DDWales** · 15th January 2009 17:33

Just to update. Sorry i havent updated for a while....work!!!

All charges added up (with and without interest icon

). I am about to send the template letter. Just one question. Having read the threads should i ask for the charges with interest or not? It seems that those who do go through a long drawn out process as apparently Barclaycard will fight all the way. Im happy to settle for the lesser amount (without interest) but would obviously prefer with interest

Any ideas will be appreciated!

**slick132** · 16th January 2009 01:25

Hi DD,

If you seek repayment of just the charges, BC will usually add on a token flat 8% bonus on top. They'll normally repay without you having to File a claim at court. Use this letter for your Prelim and lba icon

- http://www.consumeractiongroup.co.uk...RD-letter.html

If they miss your deadline to repay or reply, you can File at court and claim the s.69 8% Statutory interest icon

on top. This will be higher than a flat 8% as it relates back to the date of each charge. The s.69 int't is calculated on the Site spreadsheets but you shouldn't include this on your Prelim Letter or LBA.

There's no easy way to claim the higher rates of interest. BC will refuse to pay and you'll have to File at court, pay the aq icon

and Hearing Fees and prepare Court Bundles. BC will only negotiate just before a final Hearing date.

**DDWales** · 19th January 2009 17:59

Thanks Slick. Im going to send the prelim letter today. I dont think il bother with the interest icon

if BC draw things out. The figure without interest will virtually wipe the outstanding amount anyway (especially with the 8% bonus you mention

).
One final thing though, what is the correct address to send it to? I get confused by all the different ones on here..sorry! And also shall i send it by recorded delivery? Thanks for your help...its been a long day......

**slick132** · 19th January 2009 18:11

Use the address on your statement for starters and then use the address from which they reply if different.

If you come to file a court claim against them, then you must use their full trading name and the Churchill Place, London address.

**DDWales** · 19th January 2009 18:58

Will do..thanks Slick!

**DDWales** · 16th February 2009 18:21

Just to update. Had a reply from Bcard. Im unable to scan at present but the gist of the letter stated the usual-'as an act of good will' and 'we disagree but....' Anyhow i did not decide to charge interest icon

-was happy with the basic amount as this would basically wipe out what was left. The letter also stated that they would pay £16. I thought that this meant £16 out of the original £20 charges-they added up to around £100 so i thought ok. Read my statements today and theyve simply given me £16!!!! The cheek. Theres nearly £300 in charges!!! Not happy!!!

They obviously think that they can fob me off but this is not going to happen!! What do you think is the next appropriate action to take?

**slick132** · 17th February 2009 01:00

Hi DDW,

Send the appropriate Rejection Letter - http://www.consumeractiongroup.co.uk...ng-offers.html

Send a separate lba icon

giving them a final 14 days before you file a claim at your local court.

Send the 2 letters off together.

**DDWales** · 17th February 2009 17:39

Thank you Slick. On the case as we speak

**DDWales** · 14th July 2009 16:27

Just to update lba icon

and rejection letter sent with schedule of charges etc. Its taken a bit longer than expected but better late than never!
Barclays icon

have until the 24th of July to sort things out. Will keep you updated

**slick132** · 14th July 2009 22:50

Good.

If they are late replying, take the opportunity to File your claim quickly and you'll get the 8% s.69 Statutory Int't on top.

This will be a nice bonus, especially if you have charges going back several years.

**DDWales** · 15th July 2009 14:14

Originally Posted by slick132

Good.

If they are late replying, take the opportunity to File your claim quickly and you'll get the 8% s.69 Statutory Int't on top.

This will be a nice bonus, especially if you have charges going back several years.

Thats great will do. The charges go back to 2003/04 so that would be very welcome

**DDWales** · 17th July 2009 17:32

An update! Sent off the lba icon

on the 10th of July. Had a reply today (letter dated 16th). All charges refunded in full with £55.22 interest icon

on top being credited to my account.

This wipes out the amount left in the account which was entirely made up of all charges so very happy!! Thanks for all advice given. donation icon

to CAG

coming shortly

Mods please move to 'Successes'!!!

**slick132** · 17th July 2009 22:14

Hi DDW and congratulations on your WIN.

Thread title changed to **WON**

Thanks for the donation icon

you're going to make.

**DDWales** · 17th July 2009 22:20

Thanks very much Slick. No worries regarding donation icon

-its the least i can do

.

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