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
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have been reading as many threads as possible before posting my thread looking for some answers.
I have a barclaycard that i am still paying for and despite my effort to discuss an arrangment with BC they just have add late payment charges of £12 + another £12 for being over the limit.
so thats £24 + VAT while i am struggling financially but still wanting to clear the excess but no one in BC would suppress the charges to help me pay the excess which is mostly charges!
Now i understand the CCA or Subject access but i am not entirely sure how can that help me to suppress the charges or even claim them back and if i do claim charges would they close my account or what would happen?
so thats £24 + VAT Credit card chrages are not subject to VAT
Now i understand the CCA or Subject access but i am not entirely sure how can that help me to suppress the charges or even claim them back The CCA will enable you to tell whether the agreement is enforceable and the SAR will let you find out the total amount of charges to claim back
and if i do claim charges would they close my account
If you only send a SAR for details of penalty charges, they are not likely to close the a/c. They like customers who pay late as this earns them charges.
However, if you send them a CCA request, they will reduce your credit limit to the present balance and then reduce it further each month as money is paid off. They are protecting their interests and stopping any further spending because they fear you will stop paying the a/c.
Read the Reclaiming Guide at Link No1 in my signature below. You can reclaim all penalty charges made in the last 6 years quite easily and without the need to go to court.
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.
Barclayscard suppression of Charges
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Originally Posted by compilerz
