Thread: MH V's Barclaycard

I have been thinking about this for a while, but I was finally prompted to look into it seriously by the fact that I need a new car (and want to go back to Australia on holiday...)

So, over the years I have had 2 bank accounts with BofS and 3 different CC ( BofS, Barclaycard and Capital One). To say I was amazed after working out the charges would be an understatement.

Barclaycard:
Charges interest Total
440.00 173.74 613.74

I was figuring interest at 15%, granted more than the standard 8%, but then they were charging me more than that too...

I was lucky enough to have all my statements for the past 5 years, and so saved myself the time and fee for a S.A.R - (Subject access request).

Today I sent the following letter as 'Special Delivery'

Dear Sir or Madam,

Re. Account number: xxxxxxxxxxxxxx

I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to Barclaycard of Late payments and going over limit.

The charges total £440.00 , plus as I believe I have been unlawfully deprived of the money I have calculated £173.74interest at the statutory rate, the amount the court will award.

I therefore ask that you repay me the full amount of £613.74. I have attached a full schedule of the charges and interest with this document.

If, however, you are willing to settle this in a timely manner I may be willing to consider a settlement that does not include this interest, and therefore will accept a repayment of £440.00



I look forward for a full response to this letter within 14 days.


Yours faithfully,

Fingers now Crossed.....


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Thanks for the advice - ill keep it in mind for my next letter

And of course keep you updated on how I get on

Well, today I recieved a letter stating that they would, as a goodwill gesture credit my account a total of £176 (this being the difference between the 12 'recommended' by the OFT and what they actually charged me).

Of course I want to pursue for the full ammount, so it will be back to the post office on Monday for me.