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Paaske Vs Barclaycard + a bit more :)


Paaske
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Hi there.

 

Hope You can help me and give me advise on this.

As i have been searching and been reading different threads and also forums regarding all this with claiming back charges etc...

 

I am hoping this will be possible in my case, allthough i have got confused if its only old charges when they were a lot more than £12?

 

I took out a Barclaycard back in April last year 2009, it was ment for me to be a kind of reserve and also good to have. If i was going on holiday and needed a bit extra cash.

But things changed from that and turned into nightmare for me, because i moved from Denmark around 2 years ago, my credit score is very bad etc.

Despite i have good full time work now and have been since march 2008.

But i used my fionces bank account for my wage salery etc.. and didnt open a bank account until April with Barclays.

And also tried different companies for a creditcard, and Barclaycard accepted me.

Since then i overspent, and didnt really think to well. So suddenly my Barclaycard reached the 260 pound limit.

I paid in full, but then spent it up to limit almost.

I continue paying the minimum as i should, but problem also is that the payment date is 15th, and i get paid 26th from work.

So i ended up getting late payments fees also had direct debit rejected etc..

Long story ill keep it short ;)

I also tried contacting Barclaycard several times regarding this, that i wanted to change payment to around where i get paid to avoid all this.

But because of different things i havent followed up on it.

And now my account keeps going over limit because of charges etc..Also had months i havent even paid minimum.

My other problem has also been that ive gone into the payday jungle :( because of my credit score, i coudlnt get any low interest loans. As i really wanted to try get a transport for myself to work, as i am using bus, and that is horrible here in UK. You cant count on anything, and ive ended up spending lots of money on taxies :(

So my situation is quite bad right now, also fighting with Vodafone because of a stupid expensive mobile contract i took out with them at 45£ a month, because the phones i really wished for, could not be taken out at lower tarif with any other mobile companies, as they all rejected me back then.

 

Sorry for this long text, i will answer any questions, as its a bit hard for me to explain proper and keep it together :)

 

To cut it short, please help me and answer if i can claim back charges for my barclaycard? they are all 12£ charges i have mad charges list here, not including last couple of months.

 

Over credit limit charge :

12£ 19th may 2009

12£ 16th june 2009

12£ 16th july 2009

12£ 18th august 2009

12£ 16th september 2009

12£ 16th october 2009

12£ 17th november 2009

12£ 16th december 2009

 

 

Late payment charge :

12£ 16th july 2009

12£ 16th october 2009

12£ 17th november 2009

 

 

 

 

Payment returned debit charge :

12£ 17th july 2009

12£ 16th october 2009

 

 

Total 156 pounds.

 

 

What can i do and what should i do? :)

 

I see this is a brilliant forum, please help me get sorted and get back on track, also if anyone can help me regarding the paydayloans and phone contract.

I have been thinking about going to Barclays (my bank), and see if they can help me with a loan or overdraft of 1000 pounds.

And then i will clear the paydayloans, and also get back on track with Barclaycard and also phone. Allthough i have low credit score, and also not best credit worthiness , then i somehow hope they might be able to help anyway, if i am honest and put all things on the table?

 

But most important as this is mainly what the thread is about, can i and what should i do regarding the 12£ charges?? as if i could clear them, then i would easily be able to maintain the card again with proper payments every month.

 

Thank You all, please do not comment and tell that ive been stupid, and why take out payday loans.. etc.. i know that!! that i was stupid, and i am regretting all that now :( I just want to learn from this and get back on track ;)

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Please anyone able to give me a hand? As im really confused what to do, i have some ideas, but dont want to get off to a bad start. Want to make sure i do everything from now in correct order, to make proper action, for the best possible chance of getting refund and get my balance up to date.

 

Thanks Guys, hoping for answers soon ;) :-|

Sorry im just a bit impatience, because i need to action asap, before it gets worse.

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Hi Paaske and welcome to CAG.

 

No one (I hope) will tell you you're stupid. You've come here for help and you'll get it.

 

Your case with BC is simple. All of the above charges are unlawful penalties and you can reclaim them in full.

 

Read the Reclaiming Guide at Link No1 in my signature below. A lot of it refers to reclaiming bank charges but some of it is still relevant to your credit card charges case.

 

Complete a site spreadsheet listing your charges - this will be your Schedule of Charges or SOC.

 

Send the SOC to BC with this letter to reclaim the charges - http://www.consumerforums.com/resources/templates-library/48-bank-templates/121-bookworm

 

Let us know what they say, or ask any questions you may have.

 

Read other threads and you will learn plenty.

 

:)

We could do with some help from you

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Thank You so much Slick ;) just what i need to get going, im gonna look into this tomorrow morning.

Can i send Barclaycard an email from my secured account page, and ask them to stop keep calling my work and sending texts etc on my mobile?

I allready spoke to them months ago, that i was furious that a automatic voice called up to my work phone, and saying this is barclay card....asking for me.

Also ask them to stop adding charges etc, because my account / barclaycard is in dispute?

But they have done it again last week.

If anyone have a suggestion what to write them, then i would be gratefull.

I have an idea and will try making that in the morning.

But it is possible for me to put my account in dispute? ive read that other places, but not sure if its correct in my case, as i somehow have missed out on payments.

Thanks again :)

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Hi Paaske,

 

You should follow my advice and send off the Preliminary Claim letter and the SOC. This will place the a/c clearly In Dispute but don't expect BC to stop chasing for payments. Use Recorded Delivery or get a free Certificate of Posting from the Post Office when you send it.

 

You can email them if you want, but we try and keep everything in writing so you have copy letters if you take BC to court.

 

I suggest you send them the following letter separately about their phone calls:-

 

Dear sir or madam,

Account No xxx xxxx

I refer to the phone calls which you have made to contact me.

Despite previous requests, you have again called me at my place of work where I cannot take personal calls. This is a clear breach of the OFT Debt Collection Guidelines and Sections 2.6(a) and 2.6(j) refer.

Any further attempt to call me at work will be reported to the OFT for investigation. You may write to me if you wish, but no further contact is to be made by phone.

Because of unlawful penalty charges, take note that the account is IN DISPUTE. Until this matter is resolved, you must refrain from any further collection activity.

Yours faithfully,

You should also see here - The Consumer Forums - Debt collectors There is a letter to use when the a/c is in dispute about charges, but that should only be used after you have written asking for the refund. There are also other good letters to look through.

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Hi

Again thank You for taking the time to help me out :)

 

Because of lot of work from morning to late night, ive not had any time almost.

But i have managed to get all the charges of 12 pounds set up on the spreadsheet together with dates and total amount.

And i have also removed the interest calculation, as this is only needed if ends in court. Hope i am right here :)

I am off work friday, and i am going to send the spreadsheet and also the other letter trough recorded delivery with royal mail.

 

But i have one last question, as im still in doubt if there is more i can claim or if its only the late payment and over limit plus direct debit charges of 12 pounds.

 

Here is the last statement from my barclaycard online

 

-----------------------------------------------------------------------------------------------------------

Date

Description

Cardholder

Category

In (£)

Out (£)

Expand all

19 Jan 10

Interest On Your Standard Balance

INTEREST 2.075% Mr x 4.91

19 Jan 10

Interest On Your Cash Balance

INTEREST 2.075% Mr x 1.13

19 Jan 10

Interest On Your Default Sum Balance

Default Sum Interest Rate 2.075% Mr x 0.39

19 Jan 10

Late Payment Charge Mr x 12.00

19 Jan 10

Over Credit Limit Charge Mr x 12.00

19 Jan 10

Plan B Payment Protection Mr x 2.81

Total 0.00 33.24

Last statement balance 325.18

Current balance 358.42

-----------------------------------------------------------------------------------------------------

My credit limit is 260.00 pounds

 

Can i claim anything else there or back?

 

Also last question, As i have not paid some of the months and not paid last month, will this give problems in me claiming? as im afraid if im in dispute with the contract rules, as i have not kept minimum payment? But main reason for this, has been because i have been furious with Barclaycard, as they are really p... me off, especially one woman that is hard to understand, who i have spoken to lot of times, both when she has phoned me at work, also my mobile. Even when i contacted them a couple of times way back, i went trough to her...call it luck hehe :)

When she phoned, she kept saying You need to pay , what will You pay now, and she kept repeating herself... i ended up most times screaming in the phone, that i am not paying until Barclaycard contacts me proper so i can understand, or someone that will listen to me.... Your charges are unlawfull GRRR....

Sorry had to have this out :) exhausted after work again!!!

 

Well hope i am not to enoying.....will be the last from me, hopefully i can get last thing on place, so i can post letter (letters) on friday :)

 

Regards

Paaske

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From what I can see, there are two £12 penalty charges to be reclaimed.

 

I'm not sure what you mean by " .....plus direct debitlink8.gif charges". :confused:

 

If there is mis-sold PPI on the a/c this can also be reclaimed but should be dealt with separately just now.

 

It makes no difference whether you have made the right monthly payments on time or not. Their penalty charges are unlawful and they must repay them in full.

 

If this annoying woman calls to pester you for payments, the answer is simple. Tell her, or anyone else who calls from BC, "This call is being recorded, I will not answer any security questions and, if you have anything to tell me, put it in writing."

 

Then hang up. No need for screaming or rudeness and, in the end, they will realise they cannot bully you. :)

We could do with some help from you

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Hi Paaske,

 

Returned DD charges can be reclaimed if they are at the same rate as the other penalties.

 

:)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Thank You again :)

Hope i can have a quick answer :)

Because im off to post office to do a recorded delivery :)

I have completed the pre letter, with addreses and account number etc. Also done the charges letter.

What about signature.....ive read i shouldnt used my real signature?

Or is that in different cases? :)

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Also sorry >> this text in the letter >>>

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX

 

So i have to delte "plus £XXX" ?

And i put total amount of charges in "taken £XXXXX"

and of course Totatl £XXXX

 

?

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I suggest you use the statement address at this stage.

 

Sign the letter as normal if you are not disputing whether the a/c is enforceable. Or just write your name.

 

Your Prelim Reclaim letter should just ask for the amount of charges you are reclaiming. Include the SOC but don't show the 8% interest column at this stage - you only claim the 8% when you file a claim at court.

 

You only mention "plus interest of ....." if you are claiming compound interest, which I assume you are not.

 

:)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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