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looking to reclaim barclaycard and mastercard charges


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hi all, i am intending to reclaim my (extortional) barclaycard and mastercard charges, i thought i could send one letter with a payment of £10 to get statements for both accounts but since searching through here, theres lots of talk of microfiches which have individual prices

 

is that currently how its done or can the £10 cheque still work?

 

i know they can go back 6 years, but i have ten years worth, is there anything that can be done about older charges?

 

theres lots of addresses listed for barclaycard, is pavillion drive or churchill place the best to send to?

 

sorry for the idiot questions, but this forum has so much info and my eyes cant manage pc monitors for too long and the 90 minutes ive spent are giving me a headache!

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And you ask for all data they hold on you that covers all accounts they hold on you.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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  • 4 months later...

some progress

 

i finally got around to sending my letter!

 

i sent it on friday 13th march recorded delivery

 

just checking my internet banking and i saw they had cashed my £10 cheque, so my statements should be here anytime soon

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  • 1 month later...

so ive gone through my statements, i'll categorize the charges to each account (matercard+barclaycard) but my question is, what can i claim for and how i go about wording it

 

there are late payment charges,over credit limit charges,exceeded limit charges,returned DD fee charges

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I sent mine to northampton, one letter with two seperate figures (one mc on visa) and i cant believe it but i got a letter back agreeing to repay the charges as a gesture of goodwill! They wont accept that they were unfair in the first place though. total of £400+

 

they still have yet to produce a cca and are insisting that the t&c'sthey sent fulfill my request.

 

Good result but it wont do me any good as they are applying it to my account-but it is my first victory!!

cas

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my charges come to £1580, which is about what ive owed on the cards for years

 

it will be good to pay them off as i havent used the cards in 4 years and only got into debt with them as i was off work as i was in plaster for 8 weeks

 

i've wrote my letter using the template and i'm writing up a list of charges

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