Hi I've got 4 catalogues with late charges but thought i would start very claim first, I've sent my sar letter its came back with all sar information for all catalogue 4 accounts. So my questions are, Do i do one claim letter for very, littlewoods, choice, kays. What address do i send letter too. Also should i put interset rate at 24.9% thanks amy29

I m trying to claim back charges on my barclay card. I found the prelim letter to use, but not sure if i should include an soc. If this needs to be included with letter, is there sample / template of this on cag site that can help me prepare my soc. Thank you A S

Hi Guys Can I request a company remove an Overlimit Fee of £12 if the account is still running? If so, what do i need to exactly quote them to get them to remove it?

http://metro.co.uk/2014/10/01/holidaymaker-charged-12500-for-downloading-my-family-while-in-turkey-4888919/

Barclays has gone to shareholders to raise £5.8bn after the bank revealed it faced a capital shortfall of £12.8bn to hit a new Bank of England-imposed safety buffer. In a statement this morning, the bank said it would launch a deeply discounted rights issue to help close the gap between its current so-called leverage ratio and the one being imposed on British banks by regulators. The announcement came as Barclays unveiled its results for the first half of the year, which revealed larger than expected provisions against the cost of compensating customers mis-sold payment protection insurance and interest rate hedging products. The bank set aside £1.35bn against further PPI claims, taking its total compensation fund to just under £4bn, and a further £650m for interest rate swap redress, increasing its provision to £1.5bn Barclays' statutory pre-tax profits for the first six months of 2103 increased by £806m yearon-year to £1.67bn, while its adjusted profits, which strip out the mis-selling provisions, as well as changes in the value of the lender's own debt, fell by 17pc to £3.6bn. The rights issue will allow existing investors to buy one new share for every four they currently own at a price of 185p, a discount of 40pc to they bank's closing share price yesterday. Antony Jenkins, chief executive of Barclays, said the bank had taken the decision to raise they money after "careful consideration of the options". "The Board and I are aware of the implications of a rights issue for shareholders. We hope to balance this with reduced uncertainty in the outlook for Barclays and with enhancement of our dividend payout from 2014," said Mr Jenkins. More: http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10210317/Barclays-calls-on-investors-for-5.8bn-to-help-fill-12.8bn-capital-hole.html

Hi all, I'm looking for some advise from you guys. In December I made a purchase from Littlewoods for £650 interest free over 20 weeks. Since then I have ordered a few more items interest free for 20 weeks on the same account. My bills are usually around £90 a month, which is fine that isn't the issue I'm having. However, the problem I'm having is my first bill from Littlewoods after December was around the 2nd of January, which I paid on time in full, then my next months bill was the end of January, around the 30th. Again this was after my payday so it was fine I paid it. From there, my bill dates went to Feb 27th, Mar 28th, which were both suitable for me. Then the problems began, Aprils bill was due on the 24th which was before my pay date, so I incurred a £12 charge. I emailed them mentioning this is going to be an issue for me as my pay day is usually 27th/28th of each month, they said there's nothing they can do for me. Mays bill came on the 22nd, so I received another £12 charge. June's bill was then on the 17th, so again I got another charge from them. Bearing in mind that I still paid them in full what was owed, some months I paid an extra £20-30. However Julys bill has came through now (I've just paid Junes) and is now due on July 12th. Which is almost two weeks before my next pay day, so I'm going to incur yet another charge from them. They've previously been advised by me that this is an issue, and they were unwilling to help me regarding this. Is there any action I can take in regards to reclaiming these charges or having the payment date changed that you guys are aware of? I consider myself a pretty decent customer of Littlewoods, however it's disappointing knowing I'm paying higher prices than the high street as well as being charged £12 per month by them. Any help would be greatly appreciated. Thanks, B