UPDATE: Just had a voicemail message left by the FOS. Barclays have agreed to wipe off the remaining fees. Just have small balance of 1 outstanding payment to make. In all very happy with the result, very easy, no costs and only taken about 10 weeks to sort. Very please. Would recommend going down this route for anyone else.

Received a letter from the FOS about my claim. They are apparently very busy but will hopefully look into my claim in the next 8 week.

No sorry SLick, I just needed 30 posts to send Joncow a PM lol

bump

Im not to bothered about the time scale, I have been waiting long enough to sort it out. Another couple of months wont hurt.

Just putting my FOS complaint together now.

Update: Im looking to go down the FOS route with my claim. I have just been reading through my most recent letter and have noticed somthing. On the letter I sent to them I mentioned about the office of fair trading statement of charges being unlawfull. In there reply the have said "I would like to point out that the Office of Fair Trading statement produced, regarding charges, applied to Club accounts only. As you do not have a Club account, this would not apply to you" ANyone know what a Club account is?

Just checked my account and it look like I may have 1 more payment of £26.86 outstanding. Which I am happy to pay. so the £696.90 is £655 worth of charges 1x £26.86 (oustanding) and 1x £15.04 which I dont know what is for. Going to send a letter back refusing there offer and will add 8% to the claim. Hopefully this will then get them to clear the balance.

I originally asked for £630 looks like another £25 charge has been added lol I didnt ask for any interest. If I send them another letter saying pay in full or I will add the 8% interest and take it to court, do you think this will help? This adds another £92.55 on top. I was sure that I had paid upto date as I stopped paying them. I will have to double check my statements.

UPDATE: Not been on the site for a while and not kept upto date with my claim. () Anyway, sent a new letter asking for charges to be repaid again. Got the usuall no go. Then sent a legal letter. Received a letter over the weekend saying as a "gesture of goodwill" they will deduct £392.90 from my charges. Which is nice. Since my original first dealings with Barclays, I was under the impression that my account was up to date and all that was outstanding was the charges. I have now been told that my balance is £696.90 and £655 is for charges. I have no problem in paying the £41.90 diff but am not sure what my next move is clear the remaning balance of charges. I have read a couple of post about people going through the FOS instead of the courts. How does this work? Any help would be appreciated.

UPDATE: Just had a phone call from Barclays, they have received my letter and are looking into my claim. She has passed my details onto a diff department at she can’t deal with it?? She also said that it could take up to 8 weeks to look into my claim. I said that my letter said they have 14 days to deal with my case before action of which she said we are entitled to take up to 8 weeks in line with the ombudsman or something??? I just said Ill look into it and await a reply. Not sure what to do now, do I wait till my 14 days are up or wait to see what they come back with.

Thats what I thought. Will give them the option to pay with no interest, if they dont I can then add it after. Letter in the post today. Thanks for all the help & advice.

At 8% it goes upto £733.52 and at 24.9% is goes to £869.80. I dont really want to go down the route of taking it to court. The extra couple of pounds would be nice but hopefully they will just accept this and write off the balance??

Right, Just done my calculation of charges and it comes to £672.50. I am not going to add any interest on to my claim as I was never charged any with the finance. Just about to send the Letter Before action letter out, is there anything I have forgoton to do?

I have recieved all my paperwork yes. Have not sent out my request for the charges to be dropped yet, have been mad busy again lol Letters from BPF & Mercers have now stopped, other than a letter saying there looking into my complaint??

Looks like the letters worked. Nice pile of paperwork for me to look through came in the post today.

Letter in the post for Mercers. Thx Slick

7 Day letter sent on Monday 25th. I have also had a letter from Mercers Debt collections, should I send them a copy too as the accout in under query.

UPDATE: I have let this matter get away from me, so i decided to send a letter on the 5th July giving them 14 days to provided the information I requested in the SAR letter. The deadline for this is tommorrow. What is the next step as I am still yet to recieve anything??

Update. The cheque cleared on Wed (Typical) so I though cool will get my statements in a couple of days. This Saturday I get a letter saying unfortunatly we can not action your request as NO cheque was enclosed!!! WTF!!! I am now thinking of getting a copy of the banked cheque from my bank to send to them, any other suggestions?? Or is this just delay tactics?

Just about to send 2nd letter and the cheque has cleared today. WIll wait and see then.

Cheque has not been cashed. Will wait till Wed then send 2nd letter. Thanks.

Still no respone and the 40 days is up. What is my next course of action or shall I give them till the end of the week? ANy advice?

Still no sign of the Statement. The cheque I sent is still outstanding, How long do they usually take to send the info? if at all they do?