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Hi guys i ve received the statement from barclaycard today and had a glance through.
What am i looking for? i ve highlighted the late payment charges and the exceeded limit charges(£24 a shot for both) anything else i need to look for? What about interest? Thanks
Hiya totaleed up the various charges and i was thinking which interest to go for?
The compounded interest or the contractual interest(when you file a court)?
is it easy to calculate the compounded? Many thanks
Hi, unless you can find anything like unpaid DD charges or bounced cheque charges (as in you paid them and it bounced) I don't think there's much else.
As regards interest if you know the rates that were levied on the charges have a look at the advanced spreadsheets for credit cards, which should help you with the sums. I've not been down that route myself so can't help you there. The statutory 8% is easy to deal with.
Thanks advoc8 i ve spent the last 2 hours trying to figure it out the compounded interest and my brain is hurting
i think i ll settle for the 8% after i file.
UPDATE
sent a lba yesterday to barclaycard and this time the missus in claiming the PPI insurance that she never signed for... she is a housewife and the only income she gets is child benefit... classic example of mis-sold ppi.
i am now waiting the end of 14 days to file at court...
I don't think they will make an offer.
Oh BTW i am claiming contractual interest.
Don't forget to send the rejection letter accepting the GOGW as a partial settlement only, This letter is in the template library .Then you can deduct the amount you have received from your spreadsheet as I take it they would have paid it into your account by now, it is certainly worth checking up.
When you re-print your spreadsheet it would have updated with more interest, so print of several copies of the one you are going to use for the courts as you will need to send one to the courts one to Barclays and keep one for you.
In time you will need several more copies when it comes to doing your bundles for court.
Just shout if you need help.
DS
Thanks dsilverstein
I will be sending the rejection letter tuesday morning...
the account is now with Mercers who are threating court action although they default on my CCA request...but thats another story...
Thanks dsilverstein
I will be sending the rejection letter tuesday morning...
the account is now with Mercers who are threating court action although they default on my CCA request...but thats another story...
Just a thought did you check your balance that they have actually paid you the GOGW. Don't send the letter untill you have confirmation that it has been credited to your account. IMHO
DS
well i have no way of checking if that happens as this account is now with mercers the in house DCA from barclaycard... and i don't feel like phoning them to check
No more offers from barclaycard and so i take it i will have to file at court on wednesday morning.
Question time:
Name status and address where to send N1?
on a diffrent issue i will be filing tomorrow a different N1 for DPA non compliance so could anyone tell me
Name status and address for the defendant?
MRS PS VS Barclaycard
? Thanks
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Originally Posted by Phonesurgeon
