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citybloke

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About citybloke

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  1. 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
  2. This topic was closed on 03/06/19. 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 their. 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
  3. This topic was closed on 03/06/19. 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 their. 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
  4. Cheers ims....will study that. I think the only option open to me is court action as they are adamant about not having to consider charges older than 6 yrs old. I'm just trying to get some older statement information from them, but they are saying they don't have it. Citybloke
  5. Hi ims I'm unsure how to word the fact i'm claiming charges over 6 yrs old using the S32(1)© limitations act and the case law you mentioned. Are there any example wordings for tihs? as it's probably a generic statement for this scenario. I've had a look on CAG, but don't seem to be able to find what i'm looking for....maybe just my poor searching!! Cheers Citybloke
  6. Hi carcar No developments at the moment, as i'm waiting to see if I can get statements going back further than I have already. Either way, I will have to take this to court to get what i'm claiming as they won't budge on charges over 6yrs old. Citybloke
  7. Cheers dx What if they say 'you already accepted a full and final settlement offier'? I will write to them and say that although i signed their full and final offer, that decision was based on what they had written that turns out to be misleading and wrong! Thanks for links to the latest calc spreadsheets Citybloke
  8. I had a PPI credit card complaint that I ended up accepting the offer made to me in 2010 which only refunded 2 years of what i was claiming because of what was stated below :- "Based on your understanding of the policy and your recollection of the sale, I am prepared to offer, as a gesture of goodwill, a full refund of the premiums paid, the interest applied to the premiums, and an additional 8% interest on these amounts from January 2004. This is because, under statute, we have the right to refuse any claim for damages where the cause of the loss alleged was more than six years ago, or where you were aware, or should reasonably have been aware, of any loss, more than 3 years ago." So i signed the acceptance form for full and final settlement which paid me premiums plus interest for 2004-2006 (account closed in 2006). They wouldn't pay back the years before 2004 for the reasons they mention above. I feel I was misled into accepting their offer, although I do realise I didn't have to accept the offer and will live with it if i have to, but I just wondered as I was misled, would it be worth raising this again? If not i'll accept it's dead in the water. Cheers Citybloke
  9. I was pondering what to do about this non payment of refund from Barclaycard and found the email address for their CEO, so dropped him a polite but firm email stating how long I had been waiting since I returned the offer acceptance letter and that I would have little option other than to go to the county court process as Barclaycard have stated they are not willing/unable to give me any indication of when i would receive the refund. 2 days later.....money paid direct to my bank account!! a coincedence i wonder or did they get told by the CEOs office to sort it!
  10. Still no payment from Barclaycard and they still insist that they cannot give any date or approximate timescale for making my refund when I phoned them again. So as it's now been 2 months since they received my acceptance form, I think it's time to send a LBA. It's not a path i really wanted to or expected to have to go down, but i can't wait indefinitely with their arrogance of not giving me any indication of when i'm likely to receive my refund...not even a rough indication. Citybloke
  11. Hi ims...was thinking of the LBA route, but I would then have to follow through with the court action if they didn't pay up by the LBA date or would look weak if i didn't go through with my 'threat' of court action. Do you happen to know how long a case takes to be heard once it has been submitted to the county court? It's not like they can dispute the money is owed lol as they have made the offer and i think 2 months is more than ample time to process the refund. Cheers Citybloke
  12. Had my Goldfish credit card PPI mis-selling complaint upheld by Barclaycard last December and returned signed acceptance form 1st week of December 2011 but still no money! I've phoned Barclaycard a few times now and they say the exact same thing every time, which is they cannot give me any idea on timescales and they have a big backlog. I called the FOS and they said I could make a complaint about this to the FOS, but the FOS would have to give Barclaycard 8 weeks to deal with my complaint. It seems Barclaycard can just take as long as they want! Anyone else had recent issues getting refunds from Barclaycard? Thanks - Citybloke
  13. I phoned the FOS today and explained the scenario of missing statements and the FOS person told me that an adjudicator would decide on a case by case basis as to how the customer should be refunded regarding any periods of missing statements.
  14. If the FOS are taking the approach candyapple1 suggests from his/her phone conversation with them, then I think this is wrong and we have a fair argument to challenge this. I'm going to write to the FOS to get their take on this scenario we're discussing in writing.
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