Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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Im new to the CAG forum and i am about to try and reclaim credit card charges from Barclaycard.
I have received 6 years worth of statements, been through and found about half of my charges @ £20 and the other half @ £12, all in totalling £548 + interest @ 8% of £102.04.
Can I only reclaim the £20 charges or should I go after the whole amount?
I also found a £70 charge for "CARD PROTECTION" which I never agreed to so will be requesting repayment of this too. Should i reclaim this one seperately from the charges?
Read the Reclaiming Guide at Link No1 in my signature below. It'll give you an idea of the process.
You will reclaim the full amount of all charges.
BC may reply saying they'll agree to refund only the balance in excess of the OFT £12 limit and you'll reject this. Then they'll make a full refund.
If you are just claiming back the charges, you won't need to issue court proceedings and they'll give you a small 8% bonus on top.
You have the option of claiming a higher (contractual) rate of interest back from them. It will involve a lot more work and you will have to take BC to court. They will only refund just before a court hearing but the reward, financially, can be significant.
Re the unwanted card protection, it's best to keep this separate as you can't reclaim this on the same basis as unlawful penalty charges. If it is PPI, start a separate thread for this in the PPI forum.
If it is about loss of card etc, write to Cust'r Svs and confirm that you never asked for this and expect it to be refunded to the account immediately along with interest and/or compensation.
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.
SAR received from b/card Help please!
forum and i am about to try and reclaim credit card charges from Barclaycard.
worth of statements, been through and found about half of my charges @ £20 and the other half @ £12, all in totalling £548 + interest
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