This topic was closed on 09 March 2019. 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

This topic was closed on 2019-03-08. 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

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Ron, I have contacted them (again) and am awaiting an explanation from the dealer principle This should be today, well that is what they promised. You are right in the fact that they neither gave me the doc fee back in cash or knocked the price off the car. I may have been a bit gullable for agreeing to 8% flat (i thought flat = apr!) but I think they did all these deliberate shenanigans to stick me with the fee in the end, if you see what i mean. Any normal person would have knocked it off the cost of the car, apart from these cowboys. As for the actual amount borrowed, I do not have the docs to hand but will post it up when I get home. I even paid a deposit to the finance company that isn't shown on the docs. Again will post what I have when I get home. Ta BH

Hi Everyone. I am in need of a bit of help. I bought a car from a dealership, overpriced for what it is, and plagued with problems. However the major problem is this It was agreed that the dealership would pay the document fees for the loan, which totalled around £150. On the invoice it states "Dealership to pay doc fees - 150" 8% Flat, payments equal £150 per month Now the payments are coming out at £154 per month. Not only that, the finance, with a seperate company, is over 37 months instead of 36. So we ended up paying more than if we had just paid the document fees in the first place. Any reasonable person would have deducted the doc fees from the final invoice, but no one is sure how it was calculated. I think they just did it to stich me with doc fees to be honest. What are my rights in this situation ? Cheers Barclays Hater

Just to keep you up to date, I did phone up and threaten them, letting them know they would be the latest in a long line so to speak. They basically told me to p off. However I got a letter yesterday saying that they will refund all the charges, minus £12, which the OFT considered reasonable. So I am not going to launch an MCOL against them for the sake of £12! So thats £44 back in the bank. I only went over by a couple of quid too!

Im in the process of claiming against A&L for the last month. Long story short, I was approx £5-8 short on a direct debit that bounced. They charged me a £34 fee for this. (I actually put money in the bank the day it bounced to try and rescue the situation). Then to add insult to injury they wacked me with a £20 over limit fee (although at no time was I over because they DD bounced!!!) Anyhow. Sent first initial letter asking for charges back, the reply I got back wasn't what I expected. It basically stated that as far as they are concerned the charges stand because the information commisioners report into bank charges refered specifically to credit cards. Now I know they are pulling a fast one and the charges are still excessive (obscene in my opinion) but do I just send the standard LBA without refering to their letter or do I address the fact and come back with a reply to their letter (basically you thievin barstewards give me my money back!) Cheers Barclays Hater (Now AL hater! )

I rang them up and at first they claimed they only hold records for 6 years, but after a bit of a discussion it was 12 years. I just rang up and asked, so no need for a SAR. They are sending me all the statements in the post, free of charge (again after first lot pre 6 years, you would think they would learn ). Try it, if it doesnt work, go with a SAR.

I just phoned Barclays up to ask for my statements from the year dot, as it where. I spoke to a nice helpful chap called Ian, he said "Sorry Sir, we only go back 6 years!" I said that I believed they went back over 12, after reading on this forum. He put me on hold to check and his actual words where "I'm sorry Sir, you are right, we go back over 12 years!" So they are sending the statements, all 12 years of them to me, free of charge. ! That must cost them £20 alone in postage, judging by the previous 6 years. I actually feel quite bad though, the amount of energy and power that has gone into printing all that paper is a complete waste environmentally as it were. Perhaps they should ship them on CDs !

Hi Everyone Got my statements after 40days! Talk about taking it to the wire. So anyhow I have totalled it all up (£160 in charges in two days !!! as a bad example) However they have also charged me excessivly punitive interest (amounting to more or less a fiver a day in some cases) I don't think I can claim this back. Am I correct?

Hi everyone, Now I am getting the hang of all this, can anyone tell me (and yes I have used search) has anyone made a successful (or unsuccessful) claim for money owed prior to 6 years? I know there was talk of it a while back, but I cannot seem to find the links today. I know for sure that I didn't question the charges as such, being a student and needing cash! If I honestly think how much the charges for prior to 6 years would be, it would total at least a few thousand. Better in my hands than in theirs.

Its ok waynedear, I actually look forward to annoying barclays and costing them money as they the biggest bunch of crooks around. Just the act of them sending someone to court aint gonna come cheap And I cant wait to see the outcome of my asking the judge to ask Barclays for a breakdown of costs. Ive got the biggest cheesyest grin as im typing this

Well it would be interesting to see the defence refusing to give the judge the information I requested. It just ooozzzes arrogance on Barclays part and we all KNOW they aint going to give the judge the information Poor Barclays, a no win situation lol When I win Bankfodder et all will be getting 5% of my winnings and a bottle of fizz bought with Barclays cash lol Am I bitter and twisted and bent on getting my (edit)cash back, u betcha Monkeymoots, if your friend wants any info, id be happy to help, cause its not like she can raid my account because Barclays took it all ROFL. Barclays Hater moderated: please do not post what may be seen as libelous comments on this forum please ,this is to protect the site

just to keep you up to speed. Had my Court date today (The barstewards filed at the very very last second) I completed the allocation questionaire and asked the judge to ask them to provide a break down of the charges Court Date is 17th August 2006....