Thread: The Light Brigade V's Barclaycard "WON"

Sent SAR on 8th Aug for both Visa (defaulted) and Mastercard. Received 6 years of statements for the mastercard this morning with a letter saying that they have no previous information to send. Is this correct??
I have totted up the charges to be £788. Do I ask for the interest too? and if so, which rate, I know the 8% comes later, but their own rate, do I put that on my soc? Any advice appreciated.

I am all confused now, where I'm at...

• I have sent SAR
• I have received statements
• I have added up the charges without interest

What is a CCA, should I have requested this already with the SAR request?
With my prelim, what do i need to send? can I ask for the CCA withthe prelim? What spreadsheet should I be using for my SOC?

Thanks Moneyhelp, I know I should not add the 8% at this stage but not sure on the Barclacard rate i.e.27.9% or something. The prelim letter mentions overdraft interest in addition to the charges. Should I just omit all reference to interest or claim the BC rate?
I have been emailed a SOC spreadsheet to calc the interest and it really bumps it up!!

No word from BCard so lba ready to go tomorrow for the mastercard. Claiming CI on both BC and VISA.

Spoke too soon.......... got home to find a letter from BC regarding the mastercard account offering the difference between charges rates plus 8% as a good will gesture. I checked my balance and they have already credited the account. Why can't they always be this efficient?

Update - lba for mastercards sent, reply due by 25th. Checked my mastercard account the other day and they have credited another 2 amounts, 1 for charges and 1 for interest. These amounts are exactly the same as they applied to the balance in response to my prelim. I have not received a letter concerning these second set of reunds so I reckon they have blipped here. I have received a letter lowering my credit limit and removing the cash facility.(so sad....not)
I intend to do my N1 on 26th for the mastercard and capitol one.
Is there a specific POC for credit cards? I am claiming charges + DI(as it is being referred to) + 8% at the discretion of the court.
I have not heard anything on the visa account, prelim sent, LBA due next week. Looking forward to it.

Thanks Slick, that'll do nicely. I am going to wait until deadline has passed as BC go to the wire with replies.

Received a letter this morning 24th telling me about the refund. The letter is dated the 17th and is identical apart form the customer service agent who sent it. Still nothing on the visa. N1 due tomorrow for the mastercard.
I called them today to let them know that I think they have gotten a bit confused, supposed to be called back. HA!!
Busy day on wednesday, 3 lba's and 2 N1's unless postie brings a surprise in the morning!

Barclaycard have admitted they made an error crediting my account twice.I emailed them offering the chance to provide a response to my notice of court action and if they wished to avoid wasting court time they can make me a realistic offer. I expect to be ignored so it's off to the filing office tomorrow.

Visa - lba gone today - have not heard a peep..........
Mastercard - N1

do i calculate the 8% on charges + interest, i.e, charges £788+ interest @27.9% £1066=£1854 * 8% ???

If you have used the spread sheets from this site, it will work it out automatically for you.

Mastercard: N1 done, just waiting for the confirmation etc.
Visa: received a final response letter this morning, (I havent had an initial response) offering the charges £120 as they cant access the account due to it being closed. They managed to access the account for the SAR though??
I called them this morning to query what was going on but their systems are down and supposed to get a call back. If they cant access the information then they got the £120 figure from my SOC, so they can also get the interest figure from my SOC. I will call them again to see if the IT guy has been(reboot, unplug, clean the screen)

I called them back and spoke to someone dealing with my visa claim, they are offering the charges, no interest either 8% or the 27.9% I had on my SOC, and no default removal. She said they don't pay interest??
Looking for advice please, if I N1 them, how likely are they to pay the interest of £300+ ?? I am not that bothered about the default and forgot about it in my prelim but included it in the lba.

Hi Slick, I know I shouldnt ring them, but my patience seems to be running out, I have about 6 claims in progress and it just seems to be dragging on, I wish they had offered to pay the mastercard charges in full, could have paid the bills then!
I think I just need to re focus...................