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Moi Vs Barclaycard

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Hi All,


Im after a little advice... About four/five years ago I was lucky enough to make the bank claims successfully. Recently I have managed to pay off my credit cards and want to claim back all their charges!


I have sent the statement request letter and received back my statements.


All charges are £12 for either late payment or over credit limit.


They range from between August 2006 and May 2009 and total a little over £400.


I have a couple of questions...


Firstly can i claim these back???


And on the calculator spreadsheet it has calculated 8% interest.... can i also request this interest back????


And finally ....the next step is to complete either the credit/store card template or the New POC Barclaycard form.....which would you recomend to use?


All advice/information is greatly appreciated.


Thanks in advance for your advice/help



Edited by richardostreet

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Hi Richardostreet,


Yes, the charges can be reclaimed in full.


If you just want them back, BC will repay these with very little trouble. They will also usually add on a flat 8% bonus which they don't have to pay.


You can't ask for the 8% as shown on your spreadsheet until you file at court so, if BC repay voluntarily, you'll only get the flat 8% if you're lucky.


However, if the charges go back a few years and you're up for a fight, claim restitutionary interest on the charges. You'll have to file a court claim, AQ and Court Bundle and pay the court fees, because BC will refuse to repay this. If you do it correctly, BC will only pay up just before the final court hearing. However the rewards financially can be significant.


The Prelim letter is in the Bank Templates Library - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm But you'll have to decide what you want to claim first. If you want the higher interest, you must claim it from the outset.


Read the Interest Tutorial linked in my signature. This will give you an easier spreadsheet to use. Fill it in to see how much extra you could get by claiming the higher interest.


Threads to read - http://www.consumeractiongroup.co.uk/forum/barclaycard/209989-gobsmacked-ease-getting-charges.html#post2297726







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