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Have been pursuing just 2 late payment charges from Bcard. Totalling 60 pounds. After Initial letter and lba have now received a letter telling me they will settle this amount but their explanation as follows:
"...Putting aside the fact that we disagree with your leagal analysis, as a gesture of goodwill and without admission of liability. I am prepared to credit your account with the difference between the charges that you have incurred and the 12 pound fee recommended by the OFT. This would amount to 24 pounds. However given the amount involved I have authorised a refund of the full amount."
I am course pleased that b.card have taken this action and for the help from CAG. I will accept the offer. But I am not sure that the OFT recommended any specific sum. Did they ? Not sure I want them to get away with this interpretation if it is incorrect.
Awaiting now HSBC response and RBS initial in the post on Tuesday .....
Similar situation to above, me and my mum have both claimed from both Barclays Bank and Barclaycard.
We both got the full amount requested minus interest from Barclays Bank, but have both today heard that Barclaycard have refunded only the difference between the charges made and £12. No letter has come to explain this, mind, the money has just been put in our account last week with no explanation.
I don't understand why Barclays will give the full amount yet a credit card from the same company will only give the difference. And what do people recommend to do next, accept this and be grateful, or press for the full amount? In both our cases, the amount given is less than half what we have requested.
- I would accept their offer in partial settlement (use one of the templates on this site) and pursue them for the full amount. - see the step by stwp instructions.
I have looked at the OFT document and it does not "recommend" a 12 pound charge as Barclaycard suggest. It states "we (OFT) do not propose at present to consider legal action where charges are set below 12 pounds". It goes on " a default charge is not fair simply because it is below 12 pounds.
So Bcard certainly need to be challenged on their use of the word "recommended". As soon as i see the credit to my account I shall accept it but will be challenging their interpretation of the OFT report.
Barclaycard - small success
have now received a letter telling me they will settle this amount but their explanation as follows:
and without admission of liability. I am prepared to credit your account with the difference between the charges that you have incurred and the 12 pound fee recommended by the OFT. This would amount to 24 pounds. However given the amount involved I have authorised a refund of the full amount."
. I will accept the offer. But I am not sure that the OFT recommended any specific sum. Did they ? Not sure I want them to get away with this interpretation if it is incorrect.
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