Me-V-Barclaycard

[Pen]

Hi everyone. I have finally received my S.A.R - (Subject Access Request) from Barclaycard/Mastercard although they have only supplied me with statements not the letters and copy's of all telephone conversations i have asked for.

 

I had a lot of problems from 2002 with BC due to a Mobil vodafone I took out which was on offer to BC customers. However vodafone were debiting ridiculous amounts to my card that I decided to cancel my contract with them. I called vodafone numerous times to do this even put my request in writing but they said since the contract was with B/C I had to cancel it through them. I phoned B/C and requested that they stop paying vodafone however they continued to pay them as with vodafone i wrote numorouse letters to B/C asking them to stop all payments to vodafone they refused so I stopped making payments to my account! the only way i managed to do it was by entering into a new contract with another mobil company and requesting that my Mobil number be passed over. in may 2004 Vodafone offered me a £186, 00 good will payment, this was the finaly amount Vodafone debited from my card because B/C finally contacted vodafone and asked for our mobil account to be disconnected. I refused this offer.

 

when all this started my B/C balance was £800 my credit limit at the time was £1000. The balance is now £2,800 the only transactions on the statements are for vodafone, missed payments and late payments, going over my credit limit plus of course interest.

 

The going over the credit limit was something I could not control as BC kept making these payments which were sometimes anything upto £150 a month. I'm sure if it was me making a purchase they would not have authorised the payment.

 

i am going to rewrite to B/C asking for the rest of my SAR also I am going to send a SAR request to Vodafone. I have to add that B/C have not ask for me to repay this money since they received a letter from CAB on my behalf a couple of years ago. but obviously the bill is still hanging over me and I would like to sort it once and for all.

 

Could anyone advise me what my next step should be, and other then the late payment chargers etc etc which are considerable can i claim for all the vodafone payments which were debited since i wrote asking for them to cancel the contract which they ignored.

 

Thanks in advance

 

Pen

[slick132]

Hi Pen,

 

Clearly, you should have told BC not to pay any more to VP when you were in dispute about the phone charges. VP wouldn't take you seriously when the pay'ts just kept coming in from BC.

 

And, since your dispute with VP was settled in May 2004, you'll get nowhere complaining over 4 years later.

 

Your best option now is to reclaim the penalty charges on the BC a/c, plus interest on those charges. This will add considerably to the amount you will claim.

 

The downside of this is that BC will not agree to settle (because of the additional interest you are claiming) and you WILL have to file your claim at court. They are unlikely to negotiate until you get a court date so you will probably have to prepare 3 copies of the Court Bundle. Only then are BC likely to negotiate and settle.

 

Read here from post #91 onwards for an insight - http://www.consumeractiongroup.co.uk/forum/barclaycard/92123-alphageek-barclaycard-5.html#post1511015

 

If you're not sure you want the hassle, you could add up your charges using the Simple Spreadsheet and see what that comes to. If you DON'T claim interest on the charges, BC will probably repay this amount without you even having to file at court.

[Pen]

Hi Slick,

 

thanks for that. I know the basis of making a claim as i have reclaimed over 14k from Lloyd's however i have heard CCs are a bit different, are they???? that's whats put me off claiming so far but now i have started the ball rolling i am going to carry through with it.

 

I will read that link you kindly accessed for me thanks. I did not settle with VF as i said i did not except their offer and i do have it in writing the letters i sent to BC requested the stop making payments to them. I think I need to write back to both companies and ask BC for the rest of my S.A.R - (Subject Access Request) details not just the statements that they have sent also i will send of a SAR request to VF. Could you tell me how i would work out the interest on this claim, with the banks you just add the 8% to each charge but with CCs not only do you have the charges you also have the interest amounts relating to them charges is the a link explaining all this you could direct me too.

 

Also when i claimed against LTSB i with a lot of hassle managed to get my statements for the past 10 yrs BC have only sent the ones from 2002 ok it is the 6 yrs however they have only done this as a GW gesture according to them ( I've read the sticky relating to this ) so is it likely they will supply me with a copy of all the letters they have sent me in the past and phones calls!!!

Once again thanks for your help

 

Pen x

PS sorry I have just noticed you have highlighted this thread thanks i will have a good read of it. Alphageek Vs Barclaycard

[slick132]

Hi Pen,

 

If you decide to pursue the matter re Vodafone, could you do this on a Telecoms thread - if it's on here too, it'll confuse the BC charges reclaim case.

 

Read this about claiming the interest on your penalty chgs - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/145027-interest-tutorial.html

[Pen]

yes of course i will thanks. but before i do that could you tell me who i would recliam them from, it's my opinion that since i wrote to BC requesting that they make no more payments to VF then it's their at fault and should be responcible for returning them or are they ???? once i know the anwser to this i can start working out all the chargers. thanks Slick.

 

Pen x

[slick132]

Hi Pen,

 

To get better advice about the VF charges, can you just confirm how or why the VF chgs were in dispute.