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I posted off my Prelim letter on the 19th of September claiming back £540 from Barclaycard. Today I received a letter back basically stating 'We hope to resolve your complaint by 18th October'.
I am now waiting to send in my letter before action due to go out on the 3rd of October.
I will update the thread as and when I hear from them or contact them.
Another update, I received an offer from Barclaycard to the tune of £216 the day before I am due to file the claim in court. I will be filing on MoneyClaim over this weekend.
Should I bother to reply to thier offer? I have no intention of accepting it, but should I reply stating that just to make sure?
You can accept there offer but only in part payment of the total sum owed. probably worth checking your balance as they may have credited to your account already. If you do accept of they've already paid you'll need to amend the amount your claiming before you file
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
I filed at 5:30 this morning for the full £540 plus 8% interest. Just read your post, checked account and they have indeed made a payment of £216 to my account.
So there are a few problems here;
1. Throughout, I have requested repayment by cheque due to the fact that my credit limit is £400, my balance prior to todays payment was £390 and my claim exceeds this.
2. I have not accepted in any way either partial or in Full and final, the offer of £216. Therefore, assuming I do not sign and return the documents, this partial offer is null and void and they must remove the £216 credit from my account?
Hi Silky
I havent got to this stage yet myself so my experience is a bit limited so someone else may be able to offer better advice, but here goes anyway
1.You could try calling bcard and ask them to remove the credit from your account and send out a cheque - this would mean altering your MCOL claim and would i believe cost you £35 to do so.
2. Send them back there offer saying you refuse it stating you have issued court proceeding for the full amount, I would then assume they would remove the credit from your account. Probably worth following up with a phone call to make sure they do it.
3. Since you filed for the full amount it will cost £35 to change your claim. This £35 is non refundable and cannot be added to your claim amount so you would be out of pocket if you were to change your claim so in your case your probably better off refusing there offer and sticking to the claim youve just filed - shouldnt be too long now that you get full settlement anyway
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
So I took your advice and sent off a refusal letter to them, to date the amount has not yet been removed from my account.
Furthermore, the crafty idiots have now reduced my credit limit on my account. Guess by how much? Hmmm oh yeah, £220!
So they have given me £216 on account which I don't want and then they have reduced my credit limit by £220 thus meaning they haven't given me anything!
They have stated:
Your Credit Limit
It is part of our responsible lending policy to help our customers manage their current credit commitments effectively. Therefore we have reduced the credit limit on your account.
This is BS, because the account has been paid by direct debit for the past year and I haven`t missed a single payment. Surely this is retaliatory action because I am taking them on?
SilkySmooth vs Barclaycard
due to go out on the 3rd of October.
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