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I've been reading this forum for the last couple of weeks as I have paid a number of late payment charges to Barclaycard over the years. This forum is a fantastic resource and I have learned a lot about these charges can be claimed back. However, I think that a small change in how we post could make a big difference.
Attempts at claiming back payment charges from Barclaycard usually result in a number of common problems. One, for example, is Barclaycard's argument that their Microfiche statements are not covered by the Data Protection Act; another is their strategy of offering to refund the excess over the £12 they claim is "recommended" by the Office of Fair Trading.
I think it would be of great benefit to this forum if each of these problems were given a sticky thread of their own so that it would appear at the top of the forum so that we can easily see how people are dealing each issue. I am currently trying to deal with the Microfiche problem and have had to read all the individual claimant threads to figure out nobody has a solution to this yet. I am sure that having a single thread for each problem would speed up our search to figure out how to make a successful claim.
Every bank has their own little stalling techniques,The mf problem is not restricted to Barclaycard......Abbey have used this too.
The mf arguement has indeed been addressed in a number of threads.
Alanfromderby devised an excellent letter to thwart stalling.
I am sure the mods are constantly reviewing information and respond where there is a need.
If you had posted your worries about the mf problem then I have no doubt you would have had some pointers quite quickly.
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The Microfiche problem may be common to a number of organisations but they will not all address it the same way. I have read every thread on the Barclaycard forum; many of them address Microfiche, but none of them report a strategy that has worked! When I check back in a week or so I will no doubt have to read every thread again to see if there has been any progress on this issue! That is why a sticky thread for the key issues would be helpful.
The Microfiche problem may be common to a number of organisations but they will not all address it the same way. I have read every thread on the Barclaycard forum; many of them address Microfiche, but none of them report a strategy that has worked! When I check back in a week or so I will no doubt have to read every thread again to see if there has been any progress on this issue! That is why a sticky thread for the key issues would be helpful.
Whatever I post is just my opinion, no more, no less!
......................... ......................... ................... NatWest=>settled in full, no strings! NatWest creditcard=>settled in full, no strings!
I say again
The Microfiche arguement has been addressed many many times.
There ARE avenues to get Barclaycard to comply.
The means and strategy can be applied in the same way for any organisation putting up this excuse as a means for non compliance......whether it be Barclaycard,Abbey or anyone else.
You should read alanfromderby he makes some good valid suggestions and offers a route to address this.
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I say again
The Microfiche arguement has been addressed many many times.
There ARE avenues to get Barclaycard to comply.
The means and strategy can be applied in the same way for any organisation putting up this excuse as a means for non compliance......whether it be Barclaycard,Abbey or anyone else.
You should read alanfromderby he makes some good valid suggestions and offers a route to address this.
Hello Martin,
yes, alanfromderby is essential reading here, I appreciate his effort a lot.
Kingmint's idea would make searching easier, though, but maybe that's just me being lazy...?
Whatever I post is just my opinion, no more, no less!
......................... ......................... ................... NatWest=>settled in full, no strings! NatWest creditcard=>settled in full, no strings!
At the end of the day the Mods are not going to make changes just to make searching easier unless there would be justification in that.
I am saying that even a lot of people who are NOT Abbey or Barclays claimants have most likely heard of these arguements.
Additionally it is encouraged that people have a good look around the site as its a self help set-up,and all part of the learning process.
Where do you draw the line on having specifics written in to each bank forum ?
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I think that the key issue that is not obvious to many people is that the forum is desinged as a self help forum.
We pay no fees, the mods get no wages and we get all the info for free.
Bottom line is if you want something a suggestion is good start but perhaps a pm to the mods with the offer of some help might see something done.
Otherwise from what i can see they spend a lot of time helping people out, often at very short notice and often as the result of the person receving the help doing somehting stupid.
As much as there are things which would be nice to have sometimes we have to accept what we have or do something to help.
HTH
Glenn
PS the only thing i would add is that looking through all the threads can help you get your head round some of the anlges and issues. it has been helping me.
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Very well written Glenn...........basically what I have said too !
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
I'm claiming for my daughter and before I even started a claim, I spent a week just looking at as many threads as I could. Not just into Abbey, but as many others as well to see if there were other tactics to use.
If it is too easy at the beginning people will become complacent at the end and then may lose.
When I check back in a week or so I will no doubt have to read every thread again to see if there has been any progress on this issue! .
Two suggestions to save trawling through pages and pages each time.
1. Use thread tools at the top of the page to subscribe to a thread. When you log on go to User CP, any new posts to those subscribed threads will be listed
2. Top of Barclaycard forum, use Search This Forum - advanced, type in microfiche and title only option gives several relevant threads.
Two suggestions to save trawling through pages and pages each time.
1. Use thread tools at the top of the page to subscribe to a thread. When you log on go to User CP, any new posts to those subscribed threads will be listed
2. Top of Barclaycard forum, use Search This Forum - advanced, type in microfiche and title only option gives several relevant threads.
Now THAT is what I call a helpful post!
I didn't even know you could search the forum that way!
Thanks, Michael!!!
Whatever I post is just my opinion, no more, no less!
......................... ......................... ................... NatWest=>settled in full, no strings! NatWest creditcard=>settled in full, no strings!
In MOST cases we are going to have to issues court proceedings, at that stage do we really want to have to start doing the research and homework we should have done at the very beginning ? I know that I want to have all the information firmly in my head and understood before I even start claiming back. The last thing I want is a court date tomorrow and not KNOWING what to do. I want everything ready and prepared in advance because it's a sure bet the banks will have it.
I agree finding the information isn't always easy but nobody ever said it would be. If WE dont do the work how can we expect somebody else to do it?
This site and the mods and helpers do a wonderful job and ask nothing (apart from a donation) in return
Well said.
You obviously understand things very well.
Like you say,the site is manned by volunteers who give up their own time to help out.
Sometimes that can have a bearing on other things we need to do,but I have never heard anyone complain.
When you look at the numbers of people who have been here and had claims settled,together with the numbers that are on-going at any one time,then clearly the site is doing the job it was put in place to do.
Over the months many new things come to light and new things need a new approach.
I remember being new here and at first found things overwhelming,but soon enough things start to fall into place.
None moreso than the help that always comes when its asked for.
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Thanks but I just feel that it's going to be ME that has to stand before a judge in court and justify MY claim. The mods and helpers on here do a wonderful job but they are not going to be the one in front of that judge, therefore it's me and me alone that needs to have everything clear and straight in my mind. OK research can be daunting and tedious but having to go through the research is what focuses our minds on the important details. Besides I am a junkie for finding some new little thing that somebody else missed
Theres always the court buddy system.
Besides with 57000+ users you can bet your life IF you did go to court then you would not be there alone !!
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Very true and the company and support would be greatly appreciated But at the end of the day I still have to make my case, the judge wont allow somebody else (other than a solicitor) to make it for me. Consequently I need the research to make sure I have everything in my head and in the paperwork (3 copies of every piece of paper) I take with me to be able to do that.
Oh and if I do have to go to court the drinks are on me after I win
Request to Mods: structure of this forum
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Originally Posted by king mint
