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Total refusal from Bcard, help!


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I recently wrote to B'card asking them for a total of £240 which was made up of the £10 access cheque, 180-ish in charges 2001-2007, and the rest in 8% stat interest. They wrote back with a total refusal. What do I do now? Do i have to court to go or does a second letter do any good?


I have been through the procedure several times before with HSBC, Cap one, Halifax and Egg, but they all offered at least SOMETHING on the initial letter.


Any advice would be gratefully received!





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Follow the steps on the sticky - wait for the 14 days from the first letter and then send the LBA.


14 Days after that, if no joy, proceed with court claim.


You can't actually claim the interest until you ahve filed your claim - would really suggest going through the beginners guide to claiming back bank charges and make sure you've understood everything and followed it step by step.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Have you sent them the LBA if not then do so :) Barclays/Barclaycard are reknowned for taking everything to the limit have a read through some of the threads in this forum it will give you a good idea of what you are in for :)


If you have sent them the LBA and their time is up then its time to proceed to court action


Hope this helps


Saint :)

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)


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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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