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I emailed Barclaycard asking for statements on a closed account here is their response.
Dear Sir/Madam,
Thank you for your e-mail.
In reply to your enquiry, I will be able to order a copy statement for you as per your request. However, I must inform you that we levy a charge of £3.00 per copy.
In order for us to order the copy statements for you, you will need to contact Barclaycard Customer Services on 0870 1540154, or from abroad on ++ 44 1604 230230 even though you do not possess the account number. When calling the Customer Services number, press 0 and you will be transferred to a Customer Account Manager.
I trust this information is of assistance.
Kindest regards
Vineetha N (Miss)
Customer Account Manager
Barclaycard Online Service
Sent 1st letter today after receiving statements dating back to May 04. They are now refusing to send statements past that time because they are not readily available and therefor not covered by the DPA
Utter S*!te!!!!
They did, however, send me a 40 million page print out detailing just about everything that has ever happened, will happen or may have happened on my account. (It was about 30 pages really) Cunningly hidden on page 4/5 was the information i was looking for the number of late payment charges and the number of over limit charges! Simply multiplied those numbers by £20 the current charge for these terrible offences and send a slightly Scottishified version of Bookworms letter (thanks Bookworm).
Got an offer from Barclay card today. The usual stuff to start, we dont agree with your legal analysis, our charges are transparent etc etc. Then they offered me £135 (my claim was for £435) They then went on to say this is the difference between their existing charge and the recommendation of the OFT. Has anyone else seen this?
Woolfie
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
yes the figure tally with them having charged you £35 each time and trying it on so you only feel you have the right to reclaim the difference to the £12 mentioned in the OFT report. I haven't seen this anywhere else, but sort of expected the banks to head down this route at some point. I'm not sure where they stand legally, but many people think the true cost to the banks is only 50p or so, so I would continue with your claim to get the whole lot back.
Also, If they had been charging £12 all along you may not have gotten so many charges in the first place as the charges seem to breed more charges. If you see what I mean !
Well the way I see it is even though they might try to use the OFT's recommendation, they would still have to prove that these charges are justified. And even at 12.00 they charges still seem high. Let them prove that it costs 12.00, before you accept any offers!
Abbey - Prelim sent 17th May £2560.00 + £191.44
LBA sent 1st June
Claim Filed 27th June 3349.90 Inc Interest + Costs
Court Papers Served 3rd July
Claim Acknowledged 10th July
50% Offered 27th July
Settled Out Of Court 1st August £3080.45
Capital One - S.A.R - (Subject Access Request) request 31st July
Have just had exactly the same reply from them about my claim. I think you're right, its another stalling tactic and I was half expecting it.
Just going to carry on with all the steps.
Lolly
American Express - Prelim letter 9/05. Settlement 12/05
Barclaycard - £265. Prelim letter sent 9/05. LBA sent 30/5. Offered partial settlement. Declined.
NatWest Credit Cards - £92 -Prelim letter sent 9/05. LBA sent 30/05.
Natwest Bank account - £950 Prelim letter sent 30/05. LBA sent 15/06.
Yeah I am going to take em to court regardless!! Oooooo its all very exciting innit. To think we could all play apart in bring the Banks to their knees!! I love it
W.
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
I thought this would happen- no doubt a new trick for all companies now. But until the OFT or some one else says a charge is fair- go for it! There not going to claim money back on claims they have already paid out on for the full amount are they?
Barclaycard have on receipt of my lba refunded £208 to my wifes card and offered £100 on mine, both as goodwill gestures neither accepting any liability or admission of guilt. Obviously I am not going to leave it there....
Hi Ho Hi Ho its off to court we go!!
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
I have had an offer of about half from bc. Obviously i have written and told them I accept it as interim payment btut will continue court action untill i get full settlement. They have transferred the half (£135 to my account) can I spend this or would this be as good as accepting their offer of half?
cheers
woolfie
If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.
Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Barclaycard 1- £520 claimed – settled
Barclaycard 2- £435 claimed - sett;ed
RBOS 1 £190 claimed - settled
RBOS 2 £6500 claimed initial letter sent 26/6/6
EGG £300 claimed – LBA sent 22nd June
Capital 1 £200 claimed – settled
If you have agreed to accept it as ain interim payment only then I see no harm in spending it. If you want to err on the side of caution you could give them a week so you know they have received and accepted your letter - if they don't respond then there's nothing to stop you from spending it in my opinion.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Hi, i personally would leave it there until you get the rest of it, then at least you wont get any more charges for the timebeing anyway!!! lol
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Sent 1st letter today after receiving statements dating back to May 04. They are now refusing to send statements past that time because they are not readily available and therefor not covered by the Data Protection Act
Utter S*!te!!!!
They did, however, send me a 40 million page print out detailing just about everything that has ever happened, will happen or may have happened on my account. (It was about 30 pages really) Cunningly hidden on page 4/5 was the information i was looking for the number of late payment charges and the number of over limit charges! Simply multiplied those numbers by £20 the current charge for these terrible offences and send a slightly Scottishified version of Bookworms letter (thanks Bookworm).
Woolfie
I had the same letter except no 40 million page print out lol....I have sent a DPA non-compliance letter. Did you end up doing that atall? Hope i did the right thing...
Abbey - 547.00 settled in full.
Second claim: £204 WON.
Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.
MBNA - Concluded £634.31
Capital One Concluded £148
Kinda disappointed I've no more banks to go after now...
Barclaycard statement request by email
a charge of £3.00 per copy.
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Originally Posted by lolly
