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.
Preliminary request for refund sent recorded delivery on 13/04/06. Deadline for response was 28/04/06.
Sod off letter received today 27/04/06. Copied below for your info.
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Barclaycard House
PO Box 5592
Northampton
NN4 1ZY
20 April 2006
Dear xxxxxxx,
BARCLAYCARD SERVICES
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX
Thank you for contacting Barclaycard.
The terms and conditions of your Barclaycard were varied from the 1st August 2001. Instead of being charged an annual membership fee, your account is now subject to additional charges for late payments, exceeding the credit limit, returned payments and for copy statements and vouchers. Notification of these changes was sent to customers during June 2001.
The Office of Fair Trading (OFT) have made a recommendation to credit card companies of taking action to review their levels of default charges e.g. late payment fees, which they believe to be excessive.
We remain committed to supporting our customers who may be experiencing financial difficulties and believe that our current policy is the fairest way of applying fees to those who break the terms of their agreement.
Confirmation of the charges is shown on the reverse of your monthly statements and also in the Barclaycard Conditions. I can confirm that the charge is correct and as such is non-refundable.
Customer satisfaction is of the utmost importance to Barclaycard. For your information I have enclosed a leaflet detailing how we manage complaints. Should you have any immediate concerns or queries, please do not hesitate to contact our Customer Services Department ob the telephone number shown above.
If I do not hear from you witin 8 weeks from the date of this letter, I will assume that your complaint is resolved.
Yours sincerely
Sharon Woodhouse
Barclaycard Customer Services
ENCLOSURE: we value your your feedback
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There was no enclosure in the letter. Just the sod off letter.
Working from home tomorrow (printer bust), so will be sending off the lba just after the Bank holiday next week when I am back at work.
I'm tired and slightly "peeshed" hic!, so can't think of any witty comments to add
Wish me luck.....think I'm gonna need it with this lot!
Sharon Woodhouse
Barclaycard Customer Services
Barclaycard House
PO Box 5592
Northampton
NN4 1ZY
Dear Ms Woodhouse,
BARCLAYCARD ACCOUNT NUMBER: xxxx xxxx xxxx xxxx
Further to my letter of 13th April 2006 requesting a refund of unlawful charges applied to my account, I am disappointed to see that you have chosen to decline my request in your letter dated 20th April 2006.
I would once again like to draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.
I calculate that you have taken £500.00 from my account on which you have charged additional interest.
I require repayment in full of this money. If you do not comply fully within 14 days, I will write to you with a Final Letter before Action, giving you a further 7 days in which to re-consider your position. At the expiry of these deadlines, if the monies have not been repaid in full, I will begin a claim against you for the full amount plus interest plus my costs and without further notice.
I am giving them an extra 7 days after the 14 days LBA, as I'll have been paid by then and can issue the moneyclaim when they ignore to refund me MY money.
I can't believe they haven't even offered me any kind of settlement! BA****DS
Re: Tinkerbelle vs Barclaycard - 1st Response to Prelim
Good luck with Barclays, they are on my hit list for next month
You and I have a lot in common Tinkerbelle.......we have been ripped off by the same banks....lol
06th April 2006 Statements requested for last 6 yrs:
Bank of Scotland: Current account Breaching DPA
Royal Bank of Scotland: Style Breaching DPA
Capital One: Mastercard Request for £499.23 on the 17th April. £40 refunded to account on 26th April. Small claim hearing 27th June. Full refund and interest 24th May.
Coop: Crashed and burned into giving in Full and final offered 16 days after LBA
Re: Tinkerbelle vs Barclaycard - 1st Response to Prelim
Originally Posted by Tinkerbelle
After a slight delay, while I concentrated on chasing my other "debtors", I am now back onto Barclaycard.
Had already sent prelim and lba, so have now sent them a FINAL LBA today giving them 14 days to pay up.
They haven't even offered me anything so far. Just two letters about "we are investigating your Complaint".
Well you carry on and investigate Mr BarclayCard. I expect you will drag this out until armageddon
I'm watching this thread with greatinterest
I recently sent a letter to Barclaycard asking for a list of all charges to my account and have received a reply of "you can have statements up to 2004 for £10 - additional statements are £3"
You should have a look at the Motley Fool - There's a guy on there called Neil Faulkner (I reailse the names are similar, but I'm no relation!) that highly recommended & pointed me in the direction of this site.
See his article here (with links to other articles on the same subjext)
Tinkerbelle vs Barclaycard
of your Barclaycard were varied from the 1st August 2001. Instead of being charged an annual membership fee, your account is now subject to additional charges for late payments, exceeding the credit limit, returned payments and for copy statements and vouchers. Notification of these changes was sent to customers during June 2001.
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Re: Tinkerbelle vs Barclaycard - 1st Response to Prelim
Originally Posted by Tinkerbelle
