Thread: bobsp v Barclaycard

Hi all,

S.A.R - (Subject access request) sent 14/12/06
They called the Mrs (this is Mrs bobsp v Barclaycard) saying they will send something out by 01/02/07
Nothing recieved so sent lba 05/02/07.

As we have no idea what the charges for Barclaycard are what do I do after LBA expires. MCOL for what though?

I apologise if this is on the forum, i have been reading sooo much over the last few weeks my little brain if frying, I am watching around 10 other cases and trying to keep up.

Thanks in advance

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The lba is to force them to comply with the S.A.R - (Subject access request) as they have not sent anything out. Should I have gone another route? How cab I get them to send the statements out?

S.A.R - (Subject access request) non-compliance

Have a look at the library of documents on the general bank charges forum. There is a template for the non-compliance court claim.

The Badger

OK, letter sent asking for £431 on 26/02/07, on 01/03/07 they just credited £143. I called B/Card to see what the CR was for, and I was told that it was the difference between what I was charged and the £12, that they should have charged, there will be no further credits.

I am sending a letter declining the CR, or that I will take as part payment, but if they dont pay the full amount, and I file MCOL, how much do I claim, and how does the interest side work?

Thanks

Bob

Hi,

We eventually got the statements after hounding Adrian Whalley.

I will write stating the above (no1) and remind them they have xx days left to pay the full amount, after that time an lba, then MCOL.

Thanks

Originally Posted by sallysas

What interest did you state on your prelim?

I stated 8% on my own spreadsheet which I formatted.

Thanks

I have heard more and more banks are trying to refund the difference of what people have been charged and this £12 "As recommended by the OFT". I cant find anywhere that says the OFT recommend £12. Is there any kind of template or referral that can be sent back with the, partial payment/refusal letter that quashes these banks claims.

Thanks

Office of Fair Trading - Credit Card Report Summary
http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf

Bad link, thanks anyway

Try this:
http://www.oft.gov.uk/shared_oft/rep...ts/oft842a.pdf

Originally Posted by bobsp

I stated 8% on my own spreadsheet which I formatted.

Thanks

you dont include the 8% until you raise a court claim.

Thanks, just what I was looking for.

Originally Posted by sallysas

What interest did you state on your prelim? You have to state contractual from the first, if you are happy to go down that way. If like me, you want to ease yourself in gently, claim 8% when you get to court stage. Vamp's spreadsheets do this for you if that is what you are using.

Do lots of reading while you are waiting. We were all new once and there is plently of help out there but you will feel more confident if you have a feel for the next stages in advance. Good luck

i agree with sallysas. just follow the tried and trusted method. after all CAG wouldnt be here a year later otherwise. dont try and fix what aint broken

Is it worth supplying them with a copy of this, which I am sure they are aware of, well is there any harm in supplying a copy?

Originally Posted by bobsp

I stated 8% on my own spreadsheet which I formatted.

Thanks

you do not add 8% until COURT CLAIM!