barclaycard/mercers

[dx100uk]

not if you arranged a short payment amount each month

id send BC an sar and get all the statements.

[dx100uk]

is this your marbles card or your Barclaycard?

or are they the same one?

[walkinthepark]

It's Barclaycard ... my last remaining credit card debt ☺. I've been paying the debt off for years so it seemed strange that all of a sudden they've stopped sending me statements. I've got all my statements apart from the last few months.

[dx100uk]

ive merged an old thread here for you too

[walkinthepark]

Sorry thank you

[slick132]

Hi WITP,

 

You could send BC a CCA request because it's just £1 and they should send you a Statement of Account - ie they'll tell you the remaining balance.

 

They'll also supply, or not, the credit agreement or their usual documents. However, due to the age of the debt it should no longer be showing against your CRA files. Plus you say it's nearly paid off anyway.

 

The SAR is £10 but I'm not so sure it'll tell you anything you need to know at this stage.

 

[walkinthepark]

Hi thank you.

I've got all my statements up until a few months ago.

I think I will pay it off and get a statement of account.

It would be nice to see 0.00 at last!

[slick132]

If it's 6 years or more since you defaulted on payments, the a/c should no longer be showing on your CRA files.

 

Have you checked the CRA's recently.

 

[walkinthepark]

Hi I sent a SAR to Barclays using a template for information on all charges on my credit card account plus £10.

 

Years ago, I had to come to a mutually agreed amount to pay off my credit card bill as I was struggling to pay the minimum amount.

 

Of course, until they accepted this amount they kept piling on the interest and charging me for not paying all of the minimum payment.

 

I used to pay what I could.

There's also some late payment charges on there as well.

 

I've now received copies of all my statements which I've already got.

 

I'm not great with figures so I wanted a breakdown of all charges, not all of the statements. Am I asking too much?

[Bazooka Boo]

On those statements it will tell you any late payment, or over limit fees they have added.

 

Can't help feeling that you've been cash cowed for the last five years and all of this should have been done on 2012 when you first asked for advice.

 

Whatever you're paying them, is simply profit now, you paid what you owed years ago.

[walkinthepark]

I'm not in debt with them any more - not been for awhile. Unfortunately, life gets in the way and other things take over.

[dx100uk]

well the charges should easily be seen in the statements.

late/over limit fees [fixed sum like £25 or £12 etc etc]

[slick132]

There's no shortcut to doing what you need to do yourself - namely, going through every statement to identify each and every late fee, missed fee, over limit fee, bounced payment fee.

 

BC will not provide this for you - you have to extract the data yourself.

 

Once you've done this you should enter the figures on a spreadsheet. If you want to take BC on for the maximum you can get back from them, use a compound interest spready and an interest rate of 19.9%, 24.9% or 29.9%.

 

The amount you can reclaim may surprise you if the charges go back a few years.

 

See examples of *WON* claims against BC here - https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

You'll have to take court action against Barclays Bank PLC t/a Barclaycard and the bank WILL defend. But if you do your homework, you have a good chance of success.

 

Read through a few of the *WON* threads - everything you need to know is there. We can help you through the process but we can't do it for you. If you want to get your money back with interest, you'll have to do the work.