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I've run into the microfiche brick wall like everyone else; am I right in thinking that I can average out the charge per month, apply that through the life of the card, and send in a claim based on that? If I do, then they end up owing me money rather than the other way round. I'm just waiting to hear what people here have to say, just in case I'm heading in the wrong direction.
I Sent in an estimated claim, used the statements provided by barclaycard, then used my online bank statements to see all cheque payments made, Cheque payments were only ever made to Barclaycard, this took me back to mid 2001!
I had a letter offering me approx 15% of the claim, so go for it, estimate.
I noted on the claim form where I got my figures from.
HTH
Barclaycard - Data Protection Act req sent 3rd August, received copy statements and Microfiche garb on 11th Aug.
2nd letter Data Protection Act req sent 15th Aug. 7th Sept recieved "As explained previously"letter. 09th September Req for Repayment sent £628 in charges + £152.90 interest = £780.90
missed something! 19th October, recieved offer of £166, which they paid straight onto account!
Next on the List Lloyds TSB - have to open another Bank account first!
From what i have read on this site you should total up what you think you were charged for each year, then apply interest for the yearly figure from the 15th June for that particular year.
Sounds a good idea, alternatively put the 4 years estimate as a whole as of 1st April 2004. That way being a bit lenient that it will only accrue 8% over 2 years rather than from 2000.
Why go easy on them? I bet you don't remember them going easy on you when they added charge after charge to your account.
The simple fact that they are refusing to give you all your statements means that you have to estimate - so they are probably winning on that front already (they'll be certain to tell you if you have over estimated!). So don't under estimate your 8% interest or they will be winning on that front as well....!
Out of interest (pardon the pun) did they offer you anything already? i.e 50% based on your estimation?
I'm doing Bareclaycard Visa and Barclaycard Mastercard at the same time, so I'll do 2 spreadsheets but 1 court claim and show them as one.
Had an offer from Barclays, £1,000 instead of £2,200. Said no and now its going through Money Claim. It's now nearer £2,900.
Barclaycard stalled me once but it suited me as I was going on holiday a week after the due date, but I expected to come back to an offer this week, only to find they want to stall again for another 3 weeks.
No chance, see you in court and add the 8% and costs now.
Entering details in the 'particular of claims box' in MCOL using suggested text, tried submitting claim and it's rejecting it as it uses 25 lines instead of the allowed 24. Problem is that I have submitted Visa and Mastercard Account numbers (both being 16 numbers long) and that is what's taking it over the line limit I think.
Have tried deleting spaces between number points etc and it still leave the word 'Court' being on the 25th line.
Can anyone suggest what I can do, I don't want to delete any other wording
re : above trying to fit 2 16 number account details into one claim using MCOL, no matter how many times you delete spaces, slightly chage the text etc, for some reason it continues to be 1 line too much.
After just about giving up and going to submit 2 seperate claims, i tried one more thing.
on the last line i deleted the word 'the' and deleted the space and the word 'court' moved up, giving me 24 lines and ok to send.
Phew, I hope this is of use to someone in the future.
I too had the problem with the microfische so I decided to claim only from May 2004 and go back to the earlier years when the MF issue was sorted.
Just after the MCOL was submitted they offered to refund the difference between 20.00 and 12.00 for all charges including those before May 2004
A quick calculation amount of refund divided by 8 = number of charges.
I now know exactly how many charges and dont need to estimate anymore. I dont know the dates but at least I am confident I can show a judge that the amount is correct.
Hi I am at the end of my Barclays claim , they even have temps in going through charges... I estimated my claim having multiplied 1 year charges by 6 . now they have come back and told me exactly what the charges amount too. I said I would only accept if they sent me statements so I could calculate myself and low and behold the very next day they arrive, I made a few amendments and now I am just waiting for offer and money to be paid in.... I am posting incase they ask me to sign anything...... keep going everyone you will get paid.....
Barclaycard estimated claim?
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