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i currently owe 733.04 to my barclaycard which had a limit of 300 am i still able to apply for a refund of excessive charges now that the banks etc have won in court?
i currently owe 733.04 to my barclaycard which had a limit of 300 am i still able to apply for a refund of excessive charges now that the banks etc have won in court?
Firstly, the banks have not won in court (have a read around the forums).
Secondly, the Supreme Court case was not to do with credit cards but bank charges I believe.
I see you started the reclaiming process long ago but didn't follow it up. If you are going to do this now, stick to your deadlines and follow up any threats with positive action.
Start the process from scratch. Get all your statements together and, if you are missing any, send off a SAR with the £10 to get them from BC.
Use this letter as your Prelim and your lba, adapted as nec'y.
Decide if you just want the charges back, or you want to claim the charges plus interest at BC's contractual rate. Read up on this in the Interest Tutorial in my signature below.
If you just want the charges back, BC will refund them in full without you having to file at court.
If you want contractual interest, you'll have to file a court claim, pay court fees (reclaimable) and prepare your evidence or Court Bundle. The financial rewards can be significant.
It may help you decide if you calculate the contractual interest using the spreadsheet mentioned in the Int't Tutorial (under the heading Credit Cards), so you can see how much more you can claim.
BC will refuse to pay all the way up to a court hearing but will usually back down and cough up.
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.
yeah it kinda got put on the sideline last time as i had a lot of funerals etc to deal with in a short space of time but im fired up and ready to sort this out now
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.
Sorry whipsey, just had a read back through the thread so back up to speed now .
I see Slick said to adapt the letter to use it as your lba, which sounds pretty terminal . (I really should read back further lol) so as the amount is in dispute. There is a letter in the template libraries I believe which should cover this. You OK finding one?
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.
right i'm still gettin no where with this and am ready to send off a claim to the court but cant find the section on how to do this i remember using moneyclaim online but not sure what to write on it any help will be appreciated
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.
barclaycard help needed
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Originally Posted by whipsey
