I have been doing all my threads on general threads. But been advised to go to specific threads to the relevent banks. so here i am. So far this is where i am up to and this was my last reply (see below for letter)!
Sent lbareusting full amount after being offere £72. I have been advised on General thread, to Wait 14 days from the LBA and go for a money claim. If they send the cheque you can ammend your claim accordingly. The letter is a standard response and you don't really need to respond to it. Nothing to worry about stick to your time table.
BARCLAYCARD CUSTOMER SERVICE
ACCOUNT NO **** **** **** ****
I refer to your letter dated 8th Sept 2006.
I note that you are dissatisfied with our offer to refund £72.00, however, our position remains that we believe it is fair when customers' break the terms of their aggreement with us, we recover the costs. Therefore, I am not prepared to consdier your request for any futher refund. However, I can confirm a cheque for £72.00 has been sent directly to you under seperate cover.
As previoulsy advised, when your Barclaycard account was opened, you signed and aggreed to our Terms and Condiions and this included details of our charges. The information provided at application stage clearly explains our obligations to our customers, as well as their obligations to us. If we make any changes to our terms and conditionswe provide details of these to our customers.
I appreciate that this may not be the outcome you expected, however I trust that the informtion I have provided clarified Barclaycard's position.
Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet your expectations you may ultimatly be eligible to refer to the Financial OmbudsmanService. Further details of this service are avaiable on request. If I have mot heard from you within 8 weeks from date of this letter, I will close my complaint file in accordance with our usual practice.
Yours Sincerly
Tracey Burgess
Customer Relationship Manager
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