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.
Re: Lloyds TSB Battle ongoing, Now its Barclaycards Turn! Hahahahah
I sent my first approach letter (by email) to Barclaycard, within two days thier customer relationship manager replied saying he was looking into it. Now it has only been a week since iI first sent the email and this is what theyve offered me:
" Dear Mr Warren,
I write further to your email of 4th September 2006, your correspondence has been passed to me in order that I may investigate and respond in my capacity as Customer Relationship Manager.
With regard to your request for a refund of charges I am sorry you feel the charges you have incurred are unfair. We believe that our charges are both fair and transparent, and we make them clear in our terms and conditions, and on the reverse of every monthly statement. These charges are avoidable by staying within your limit and making your monthly payment on time.
However, as a goodwill gesture and without any admission of liability Barclaycard is prepared to credit to your account the difference between the charges that you have incurred and the £12 fee recommended by the OFT. In accordance with the charges incurred this would amount to £96.00. The adjustment will be confirmed on your September 2006 statement.
I hope that this now clarifies the situation. Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet with your expectations you may ultimately be eligible to refer to the Financial Ombudsman Service. Further details of this service are available on request.
If I have not heard from you within 8 weeks from the date of this letter, I will close my file in accordance with our usual practice.
Now, should I except this offer? Its only half of what Im claiming back, But seems reasonable in a way. But it has crossed my mind to say something on the line of:
'if you can show me that this is the cost incurred to you by me going over my agreed credit limit, then I will be happy to accept this; If you cannot then I would like to request a full refund' (By attatching the lba letter)
Please please please reply with your opinions, even if you dont normally post. Also if anyone has any ideas of a reply I can send feel free to post it.
Re: Lloyds TSB Battle ongoing, Now its Barclaycards Turn! Hahahahah
Yeah I think thats what I will do, Thankyou for your input.
Does anyone know how easy/hard it is to get all your money back from
Barclaycard? Because I have an ongoing case with Lloyds TSB who are taking it
all the way.
At what point do they give back your money?
Re: Lloyds TSB Battle ongoing, Now its Barclaycards Turn! Hahahahah
Hey! Thankyou for your input...Ive tweeked the offer refusal letter to take on board these points:
"Dear Barry,
Thank you for your letter dated 06/09/06.
I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £200.
I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a county court claim if necessary.
May I also clarify, as you appear to have misunderstood the OFTs recommendations; the OFT does not ‘recommend a £12 fee’, they recommend £12 as the Maximum amount that a financial institution should be allowed to charge a customer.
Therefore your offer to credit my account the difference between the “charges I have icurred” and the “£12 fee recommended by the OFT” is not acceptable.
My letter sent previously indicates that you have until 28/09/06 to respond before Court action commences. You are reminded that there will be no extension to this timescale.
I trust this clarifies my position."
Does everyone think this is ok to send? Feel free to suggest ideas.
Lloyds TSB Battle ongoing, Now its Barclaycards Turn! Hahahahah
TSB ( http://www.consumeractiongroup.c o.uk/forum/lloyds-bank/15260-me-lloyds-tsb-they.html ) I'm now doing the same with Barclaycard who owe me £200.
Mat 8-) 
Reply With Quote
