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 already have statements going to may 2004 but not earlier and am aware
of the microfiche situation. Should I estimate charges for the previous 4 years?
What response have others had when estimating charges against Barclaycard have they offered to refund estimated charges less £12?
I already have statements going to may 2004 but not earlier and am aware
of the microfiche situation. Should I estimate charges for the previous 4 years?
What response have others had when estimating charges against Barclaycard have they offered to refund estimated charges less £12?
i wonder if you could help me???
i have been reading with great interest your account of getting your money back from banks and was seeking your advice.
i have sent a letter to barclaycard asking for details of charges and or bank statements going back the last 6 years! they have sent me details going back to march 2005 and say i will have to pay £3 per statement for the rest as it is stored on a microfich or something like thta. can anyone advise me if they are allowed to do this? and if now what can i do next. please email me on this address (david . seale @ ntlworld . com) withouht spaces as your help and advice would be much appreciated!
thanx
I already have statements going to may 2004 but not earlier and am aware
of the microfiche situation. Should I estimate charges for the previous 4 years?
What response have others had when estimating charges against Barclaycard have they offered to refund estimated charges less £12?
I have just prepared a claim against B/card and have had to estimate a few months, I dont see it as a problem if they dont like it they have the remedy.
The 12 quid has no relevance to whats lawful or not and the charges they have taken from you should be repaid in full so dont worry about it and ask for the lot back.
HTH
Glenn
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
i phoned up and asked the lady who sent my statements what the best thing to do was.....claim for the amount of statements ive got then when i get my refund, use that to fund the purchase of futher statements and then claim for the rest.
OR
Estimate based on the charges i have
She said to do the second and they would have a look at it for me. Basically by estimating I am gonna get Barclaycard to show me my estimation is wrong by sending me the statements as proof (i hope??)
So what I did was take the £840 charges i had received over 25 months divide by 25 and times by the number of months my account has been open. Hey presto, my estimation!
Only just sent my pre-lim so cant comment on whats gonna happen yet but thought the info might help!!
Estimate Barclaycard Charges or Not?
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Originally Posted by EddieP
