I'd appreciate it if someone could advise on the following issue with my reclaim for unfair charges against Barclaycard. After sending Barclaycard a letter before action in November 2009, they wrote to me on 9th December 2009 agreeing to refund charges of £400.76 but stating that they had notified the agency responsible for the account and the balance would be amended accordingly. I don't have an outstanding balance with Barclaycard as I settled the account with the debt recovery agency (HFO Services) in July 2007. I was expecting to receive a cheque from the agency but they haven't contacted me and I've been unable to get in contact with them. I don't really know what to do about this. This is probably a tactic by Barclaycard to distract me from claiming. Should I just go ahead and make a claim in the small claims court? Given that I sent the letter before action around 3 months ago would I need to send a new letter before action?

I'd appreciate it if someone could advise on the following issue. I sent Barclaycard a Letter Before Action on 3rd November 2009. Barclaycard then wrote to me on 9th December 2009 agreeing to refund charges of £400.76 but stating that they had notified the agency responsible for the account and the balance would be amended accordingly. I settled the debt in July 2007 so there is no outstanding balance. I was expecting to receive a cheque from the agency (HFO Services) but I haven't received anything and I've been unable to get through to them. I'm unsure about what action to take now. I suspect this is a tactic by Barclaycard to distract my claim. Should I just go ahead and issue a court claim? Given that I sent the letter before action more than 4 months ago would I need to send a new letter before action?

I have a query about the calculation of interest for credit card charges. I am using the Complex Credit Card spreadsheet and I can see that the monthly interest is calculated as: Interest Charged x (Penalties Chargeable to Interest / Remaining Balance) I can understand the rest of the spreadsheet but I'm struggling to make sense of this formula. For the Interest Charged, am I supposed to use the APR or the monthly rate? Do I use the Cash Balance Rate or the Standard Balance Rate? Is there a section on the website which explains this calculation in more detail? I hope someone can shed some light or point me in the right direction...

Dear All, Please see the following information: Abbey National Bank Account - Defaulted on 15/12/06 - Charges of £901 Halifax Current Account - Defaulted on 09/04/05 - Charges of £272 Halifax Credit Card - Default removed - Charges of £745 Egg Credit Card - Defaulted on 07/07/05 - Charges of £120 Natwest Current Account - Defaulted on 05/11/05 - Charges of £288.85 Barclaycard - Defaulted on 08/11/06 - Charges of £300 I settled all of these debts in July 2007. I've calculated the unfair charges without any addition of interest. My primary objective is to attempt to have the defaults removed and then to recover the unfair charges. I've read through a number of threads on the forum and I'm a bit confused about the best course of action I should take. I have prepared an initial Default notice request letter to send to each of these lenders but I'm unsure whether this is the best course of action. Perhaps some people would be willing to share their experiences with these companies. Any advice or help would be very much appreciated. Thanks, Peter

Vampiress, I send emailed you for this but you havent replied?

Vampiress, did you manage to compile a spreadsheet for interest on credit cards?

I'm wondering how everyone is treating interest on Credit Cards. I have the idea that we should be claiming the charges PLUS the interest they have charged us (i.e. their typical APR for each period) PLUS the standard 8%. Would anyone else agree with this?

I'm still relatively new to this but from what I understand all penalties such as late fess, overlimit charges, fees for paying standing orders while overdrawn etc. are all unjustified.

Just spoke to Barclaycard over the phone and they told me they charge £3 for every bank statement! There is no way I'm willing to pay that. Is there anyone else here who has experience of dealing with Barclaycad?

Hi, just registered with the site today and read a couple of the sections incl. FAQ. Feeling a bit overwhelmed with all the information but quite excited by the prospect of finally getting one over all these banks that have made my life rather difficult these past couple of years. I'm now gonna begin the task of requesting all the information and calculating all the charges I've received from several banks and credit companies....