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I submitted my claim to Barclaycard. They have offered refund of charges back to £12 charge. Their latest letter states that I have broken terms and conditions and that this is their position. They suggest FSO and give me 8 weeks for response. So wondering what to do next?
What sort of responses has everyone else had with Barclaycard? I assume that my only move is another court claim but having two in process already possibly I'll have to wait a while before doing this
It is a standard response, I have carried on with my claim, they will also put the amount they think is right onto your account and then you have to send rejection letter.
I submitted my claim to Barclaycard. They have offered refund of charges back to £12 charge. Their latest letter states that I have broken terms and conditions and that this is their position. They suggest FSO and give me 8 weeks for response. So wondering what to do next?
What sort of responses has everyone else had with Barclaycard? I assume that my only move is another court claim but having two in process already possibly I'll have to wait a while before doing this
Do you have an outstanding balance? If so send them a CCA request;
Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.
Can you elaborate on the CCA request abit for me please? I have an outstanding balance on my account and I'm about to request a big refund from them, so if there's something here thats applicable to me...........
It boils down to the Consumer Credit Act 1974 and the obligation of a creditor to supply a copy agreement, for the princely sum of £1.00. If they can't (and it looks like most can't), it would appear that the agreement is not enforceable.
Edit I must be getting old, too quick for me noomill060
Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.
Ok, thanks. I've read that thread a while ago, your post just made it sound like there was a high probability that that they wouldn't have a record and that by CCAing them they're more likely to sort things quickly and in your favour.
I'll probably re-read that thread next week when my exams are over, but in the meantime, if you could help me out a bit that would be fantastic:
Should I claim my charges + interest back first, then disown the debt, will disowning the debt over-complicate my claim?
Are Barclaycard likely to use my repayment to pay off my debt without my permission, thus making it harder to disown the debt?
Are they likely to have a copy of my application form, given that I signed up for a student credit card on campus 6 years ago?
Oh yeah, and if I walk away from the debt and they try to enforce it what are the hoops that me and them would have to jump through and can they adversely affect my credit rating and cause me to have to fight back?
Oh yeah, and another thing, while I'm on a roll lol..... If on the one hand I'm saying I don't own the debt while on the other I'm saying give me all my charges back, how does that one sit?
Is the standard process of court action by myself, following the guidlines on here still appropriate under these cicrumstances? It sounds to me that if I say it's not my debt then I'd be looking at some sort of theft case to recover payments to their company, though most of these payments have been sent by myself by..........erm........mi stake I guess??
SHould probably read the thread really I guess............
Barclaycard - their response to me
and that this is their position. They suggest FSO and give me 8 weeks for response. So wondering what to do next?
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Originally Posted by 100mel
