Barclaycard Late Payment charges - Over 6 years ago... in Barclaycard Posted January 11, 2013 · Edited January 11, 2013 by slick132 added correct link in first quote Howdo, Hi Blagton, Allocation is down to the judge but, if both parties agree to SCT, that would be influential. However, the bank's sol'rs will be happy to see the case go to the Fast Track so you're exposed to a greater costs risk if you lost. See more here - http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part26#IDA5GTBB ....don't seem to have approval to view that page If you were just to claim back the late fees without interest in restitution, Barclays will refuse to pay on the basis that the charges are Statute Barred. You will therefore be forced to take court action............... .............. and, if you're taking court action, you may as well make it worth your while by claiming the Int't in Rest'n. Mmm...argh....what to do ! I don't (can't afford) really want to risk facing the chance of increased costs if I were to "loose" if I don't have the where with all to finish the job of successfully (in my favour) especially of the odds of success are reduced due to the relatively small amount being charged within the last 6 years. S.32 doesn't seem to be something a non legal person can always make much sense of - other than not having all my original Statements until recently I wasn't really aware of the total charges going back over 6 years – I guess that alone wouldn't stand up as a reason for extending the “6 years timer” ? Unanswerable question I know but what chances of Barclaycard actually putting up strong defence rather than making an offer at some point before it gets to that point or indeed a judge favouring their defence. Thats the call I know ! As an additional thought do Barclaycard take a stance against customers who recover charges by closing their accounts and/or reducing credit available ? Many thanks again Slick Blagton.