Its CI up until you issue a claim, from then its s69 @ 8% if granted by the judge

If I ask for the card balance to be reduced - can I also request they reissue a new valid card?

Well you coukd ask but knowing Barclays they are unlikely to

Hi Mum,

If they haven't mentioned reducing any balance you owe, say nothing for now. If they repay you direct, you can make a pay't to reduce the a/c balance or not. That's up to you.

Personally, I'd be focusing on getting the sol'rs to refund the best amount you can get, regardless of CI, Tomlin Orders or anything else !!

Happy Christmas everyone ;-)

Peace and Goodwill came earlier than expected this year.....

Happy Christmas to you too HP, glad you you hed a "peaceful" expereince LOL. I am still waiting for mine, courtesy of Nastywest, as you know. Now over 3 months since "full and final" payment made, and solics' still chasing for it!

Have a good new year.

Regards

t

Hi Mum,

From experience here, I assume you have reached an acceptable settlement with BC but you're tied by confidentiality so can't confirm the existence or terms of a settlement agreement.

Unless you say anything to the contrary, I'll change your thread title to reflect your "probable" win with compound interest.

Thanks Tedney & Slick. Wishing everyone a similarly Happy New Year...

hello

Just a quick question: during the year long legal process of making a claim against barc for reclaim of penalty charges and CI barc continued to add penalty charges to my card if ever I over-stepped the payment date by a day or two. There weren't many times this happened. But these charges have added up, not by much, but they have added up. Should I write to barc again and remind them that they shouldn't be adding £12 charges to my account and could they please refund them??

Is it possible that barc can kind of accept that they shouldn't/must not add late payment charges to customer's accounts and yet if the customer retains a card that barc still continue to add the same disputed charges every month....

Be interested to hear feedback on this

Hi Mum,

I would certainly claim back any further penalty fees added to the a/c that weren't included in the earlier claim.

Tell them you have reclaimed the fees in court action before and will do so again unless they refund the charges but, if they refund the charges without court action, you will not seek any interest from them.

As regards your query, your earlier court action will NOT alter the imposition of penalty charges if you fail to pay on time what is due.