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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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Woolfie v's Barclaycard


woolfie
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I emailed Barclaycard asking for statements on a closed account here is their response.

 

Dear Sir/Madam,

 

Thank you for your e-mail.

In reply to your enquiry, I will be able to order a copy statement for you as per your request. However, I must inform you that we levy a charge of £3.00 per copy.

In order for us to order the copy statements for you, you will need to contact Barclaycard Customer Services on 0870 1540154, or from abroad on ++ 44 1604 230230 even though you do not possess the account number. When calling the Customer Services number, press 0 and you will be transferred to a Customer Account Manager.

I trust this information is of assistance.

 

 

Kindest regards

 

Vineetha N (Miss)

Customer Account Manager

Barclaycard Online Service

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

Here we go, here we go, here we go!!!!

 

Sent 1st letter today after receiving statements dating back to May 04. They are now refusing to send statements past that time because they are not readily available and therefor not covered by the DPA

 

Utter S*!te!!!!

 

They did, however, send me a 40 million page print out detailing just about everything that has ever happened, will happen or may have happened on my account. (It was about 30 pages really) Cunningly hidden on page 4/5 was the information i was looking for the number of late payment charges and the number of over limit charges! Simply multiplied those numbers by £20 the current charge for these terrible offences and send a slightly Scottishified version of Bookworms letter (thanks Bookworm).

 

Will keep you all posted

 

Woolfie

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Got an offer from Barclay card today. The usual stuff to start, we dont agree with your legal analysis, our charges are transparent etc etc. Then they offered me £135 (my claim was for £435) They then went on to say this is the difference between their existing charge and the recommendation of the OFT. Has anyone else seen this?

 

 

Woolfie

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Not seen it personally but it was bound to happen. Stick to your guns, they will pay up.

 

Good luck

 

Natalie

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Well the way I see it is even though they might try to use the OFT's recommendation, they would still have to prove that these charges are justified. And even at 12.00 they charges still seem high. Let them prove that it costs 12.00, before you accept any offers!

Abbey - Prelim sent 17th May £2560.00 + £191.44

LBA sent 1st June

Claim Filed 27th June 3349.90 Inc Interest + Costs

Court Papers Served 3rd July

Claim Acknowledged 10th July

50% Offered 27th July

Settled Out Of Court 1st August £3080.45

Capital One - S.A.R - (Subject Access Request) request 31st July

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Hi Woolfie,

 

Have just had exactly the same reply from them about my claim. I think you're right, its another stalling tactic and I was half expecting it.

 

Just going to carry on with all the steps.

 

Lolly

American Express - Prelim letter 9/05. Settlement 12/05 :)

Barclaycard - £265. Prelim letter sent 9/05. LBA sent 30/5. Offered partial settlement. Declined.

NatWest Credit Cards - £92 -Prelim letter sent 9/05. LBA sent 30/05.

Natwest Bank account - £950 Prelim letter sent 30/05. LBA sent 15/06.

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Yeah I am going to take em to court regardless!! Oooooo its all very exciting innit. To think we could all play apart in bring the Banks to their knees!! I love it

 

W.

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I thought this would happen- no doubt a new trick for all companies now. But until the OFT or some one else says a charge is fair- go for it! There not going to claim money back on claims they have already paid out on for the full amount are they?

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Barclaycard have on receipt of my LBA refunded £208 to my wifes card and offered £100 on mine, both as goodwill gestures neither accepting any liability or admission of guilt. Obviously I am not going to leave it there....

 

Hi Ho Hi Ho its off to court we go!!

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I have had an offer of about half from bc. Obviously i have written and told them I accept it as interim payment btut will continue court action untill i get full settlement. They have transferred the half (£135 to my account) can I spend this or would this be as good as accepting their offer of half?

 

 

cheers

 

woolfie

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Threads merged - please stick to one thread

 

If you have agreed to accept it as ain interim payment only then I see no harm in spending it. If you want to err on the side of caution you could give them a week so you know they have received and accepted your letter - if they don't respond then there's nothing to stop you from spending it in my opinion.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Sent 1st letter today after receiving statements dating back to May 04. They are now refusing to send statements past that time because they are not readily available and therefor not covered by the Data Protection Act

 

Utter S*!te!!!!

 

They did, however, send me a 40 million page print out detailing just about everything that has ever happened, will happen or may have happened on my account. (It was about 30 pages really) Cunningly hidden on page 4/5 was the information i was looking for the number of late payment charges and the number of over limit charges! Simply multiplied those numbers by £20 the current charge for these terrible offences and send a slightly Scottishified version of Bookworms letter (thanks Bookworm).

 

 

Woolfie

 

I had the same letter except no 40 million page print out lol....I have sent a DPA non-compliance letter. Did you end up doing that atall? Hope i did the right thing...

 

:)

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  • 4 weeks later...

Hi Woolfie. How's the Barclaycard story going..?

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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