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Hi all,
I've got all my statments from Barclaycard and am trying to fill in the spreadsheet with all the charges, however it occured to me that I should be charging Barclaycard 26% as that is what they charged me. I was fairly happy with this plan, until I noticed that I have 4 charges on my account that were on a reduced interest rate of 12%.
Any tips/advice on what I should do here? I really don't want them to get away with not paying the interest, because they have ripped me off over the years and left me with a lovley default (which I also plan to have removed)
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
You could do everything at 26% and let them point out the error, or just amend the interest on those 4 charges.
Out of interest, as I have never seen this before - what sort of charge was it that incurred the "lower" rate?
If you think my advice has been helpful, please click on the scales to the left thank you!
Non illegitimi carborundum
I wish I was a glow worm, A glow worm's never glum!
How can you be grumpy, when the sun shines out yer bum?!
Amex * 2 *** WON *** Settled
Marbles ****WON*** In full settlement
Capital 1 ***WON*** In full settlement
MBNA ***WON**** In full settlement
Barclaycard ***WON*** In full settlement
Barclays Bank - ***WON*** In full settlement
Abbey ***WON*** In full settlement
Abbey (Mrs Chorlton) ***WON*** In full settlement
Abbey (Mr and Mrs C) - MCOL submitted 16/5/07
Thanks for the reply!
I was thinking about firing everything through at 26%, as its up to them to dispute it anyway isn't it?
The interest rate dropped last year as I had to set up a payment plan on the card because I couldnt pay it due to their charges. I also have a default on my credit file due to this card, which I will hopefully get removed. I am putting in the paragraph about the default removal in the Prelim letter anyway, see how it all pans out.
Thanks for the help!
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
Barclaycard Interest
rate of 12%.
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thank you!
