Started the reclaim process with Barclaycard last Sep.

Had 2 years of statements but usual crap, £3 a statement etc for the rest. Made a complaint to the IOC etc but nevertheless decided to get on and sue them statements or not.

So I worked out the average charges for 2 years divided by 2 and then used this figure X the 4 years I didn't have statements for.

So it went something like this.

2001 - No statements
2002 - No statements
2003 - No statements
2004 - No statements
2005 - £200 in charges
2006 - £400 in charges

Therefore the average was £300 so came up with a claim for -

4 x £300 estimated
1 x £200 actual
1 x £400 actual

Total = £1,800

So how to handle the interesticon?

Simple, Barclaycard's statement was always around the 10th of the month. I therefore split the £300 into 12 months (£25) and placed a £25 in the interest spreadsheet on the 10th of every month.

I then came up with a figure of around £2,610 (£1800 charges + £810 interest).

So that's the amount I sued them for.

2 weeks before the court date I sent them a letter trying to force them to settle and it worked (do a search on my name and you'll see the post).

But the girl from Barclaysicon said to me on the phone that 'we don't agree with your figures'. I said that's because BCard wanted £3 which is illegal so I had to estmate them.

She agreed to send me the statements in order to work everything out properly.

1.5 weeks later I got the statements, entered the correct figure into the spreadsheet and came out with a figure about £1,000 less. Not as good but nevertheless correct. When I emailed this to them I received a cheque in about a week.

Hope this strategy helps some of you.

PS. When I received the statements from BCard they put in the letter that they would still cost me £3 and it would be taken off my next statement!

But I cancelled my BCard account a long time ago. I phoned the girl at Barclays and told her that this was against the IOCs ruling, she apologised and said it was a misunderstanding!

Whatever the case if they try this make sure you kick up a real fuss.