Grenville v barclaycard visa

[grenville353]

Hi everyone

having read lots of posts i am starting my own, lots of assistance required

 

 

I have sent the cca request which they signed as received 11/10/09

[maroondevo52]

Hi, Grenville.

 

How old is the card and are there any charges you could re-claim ?

 

Regards.

 

Scott.

[grenville353]

the card was started around 1990 i think.

[maroondevo52]

Are there any charges worth re-claiming.

[grenville353]

there most definatly will be , ill be sendind subject access requestson monday, for this one , and 5 others

[grenville353]

reference sar do i need to send a request for each account seperatly (£10 each) or can i bundle all 3 together (£10 total)

[rebel11]

I've only sent £10 for however many accounts. I'm sure the credit card company store the various documents for each account in the same building

[grenville353]

do i send the sar to triton / mercers or mint/barclardcard direct

[grenville353]

update for my previous question

should i send the sar to the dca firm or the original lenders ?

[maroondevo52]

Hi,

 

Send the SAR to the original creditors.

[grenville353]

ta

[slick132]

Hi Grenville,

 

Send the SAR to the BC address on your statement. Use Rec'd Del'y and keep copies of all letters.

 

Mention each of the credit card accounts and any other Barclays bank a/c which you have now, or held over the past 6 years.

 

[grenville353]

just received the T&C and a photocopied blank agreement on this card, I am very pleased with their quick response. lol

[slick132]

Hi Grenville,

 

Use one of the letters (posts 2 or 4, I think) here to tell BC you consider the a/c to be in dispute - http://www.consumeractiongroup.co.uk/forum/barclaycard/167584-barclaycard-no-cca.html

[grenville353]

thanks for that i will use letter no 4,

I am in a arangement with mercers, paying a low amount that i can afford, would it be easier to continue paying this whilst my claim goes on ???

[slick132]

If you can, and want to, maintain the payments, do so and avoid the hassle of numerous phone calls from BC and then Mercers.

 

If you can't afford them or don't want to pay while the a/c is in dispute, stop.

 

When the SAR reponse comes back and you have data about penalty charges, you can then decide what to do, as you'll have an idea of what impact reclaiming the charges will have on the a/c balance.

[grenville353]

sar delivered (signed for) 18/11/09

[grenville353]

can anyone direct me to a budget planner please, computer crashed , i need to start again (very frustrated)

[slick132]

Sorry to hear about the crashed 'puter.

 

Look in the Bank Templates forum. At the foot of the Hardship Letter - http://www.consumerforums.com/resources/templates-library/48-bank-templates/117-letter-for-an-application-for-consideration-for-hardship

 

[grenville353]

thank you slick

[grenville353]

Re: Grenville v Natwest

i have read on the forum that there is a different spreadsheet for credit cards , but i cannot open it , can someone advise,

also looking on my Subject Access Request list i only appear to have been charged for late payment and over limit fees , is this claimable ?????

.......can someone please repond.......

[slick132]

Hi Grenville,

 

Late payment and over limit fees are reclaimable in full.

 

Are you looking to reclaim interest at the contractual rate.

 

Does this link work for the CCard spreadsheet - http://www.consumeractiongroup.co.uk/Spreadsheets/England/Complex-credit-card-charges-calc.xls

 

Some users prefer to use the spreadsheet in the Interest Tutorial linked in my signature. It's under the heading for Credit Cards.

[grenville353]

thank you slick