Bookworm v Barclaycard ***she's only been and won it! :-D***

[Bookworm]

I've done it!!!

 

After refining, changing, twisting, recalculating and changing my mind about different types of interest, I have finally filed my N1 today.

 

Unfortunately, things are so tight that I had to apply for remission on my court fee, which annoys me no end, as it means the taxpayer will be paying the fee instead of B/card. I really wish there was a way I could ask the court to award themselves the court fees back on settlement.

[joneshousehold]

Bookie, I am amazed. This page alone started over a year ago with a conversation between the two of us. You have obviously spent too much time messing about since then!

[Bookworm]

Tell me about it... if you call sorting out other people's claims messing about, that is.

 

It really taps at the heart of my ways of doing things as well. I wasn't happy at going in gung-ho with an estimated amount, I wasn't going to go in with CI when it was such a dodgy argument, etc... I always remember WHO I am taking on, and these people have sooo much money to spare on legal advice, even Barclays who so far have always settled, you just never know, do you... Be prepared, and be ready for the fact that one day, they may change tactics. Now, I know my claim is as accurate as can be, therefore less chances for them to choose that one to pick on. Simple, really.

[Bookworm]

FINALLY, after wrangles and tussles with the Court, I have received this morning confirmation that my claim has been issued! dated 27th July, things are moving at last.

[Bookworm]

Defence & AQ received today, to be sent back by Sept 10th.

 

Standard defence from B/card, in fact, identical to the bank one, even though this relates to a credit card. It even contains the "statute-barred" line for charges prior to July 2001, even though according to B/card, they only introduced charges in June 01, and none of my charges are over 6 years. :-?

 

Bless their hearts.

[SamaraSea]

Hi Bookworm,

 

Am loving the thread and watching with great interest as I have just filed a claim against Barclays too.

 

All the best and kick some booty!!

 

Sam

[kennythecelt]

Good news. Justice will follow!!

[pjdavies2000]

Hi BW.

 

My T&Cs from BCard don;t have any mention of charges (I CCA'd them) does this have any actual meaning to my case do you think? My BCard was opened in 2000.

 

Cheers

 

Peter

[Bookworm]

Well, B/card have always maintained that they only started charging mid 01, which is quite possible, as we got ours in 1995, and I remember that we used to pay an annual fee when we first got it. I have had a couple of people gettign charged prior to that, but never managed to find out if these were "normal" B/card or maybe they were different types with a different charging regime. Not sure what you mean by any meaning to your case, though.

[Bookworm]

AQ due back in today. Got the flu, feel like cr*p, yet am going to have to drag myself into town to hand it in.

 

It's days like these where I REALLY REALLY hate them.

.

.

.

[Bookworm]

Court has written back, prelim hearing on Nov 26th. Judge obviously no longer bothering with full hearing dates, since they expect them to apply for stay.

[noomill060]

A month late, but, yes Sharkleycard started penalty fees in August 2001.

 

Or should I say "resumed charging penalty fees".

 

They charged a £5 fee for late payments and exceeding credit limit overlimit in the 1980s, dropping them in 1989 and reintroduced them in 2001.

[slick132]

Hi Bookie,

 

Re your post #84, I have in front of me my BC Mastercard state't showing

 

21st June 1999 Out of Order Fee £20.00

 

Slick

 

PS This is on original state's which I've kept.

[Bookworm]

Ah now, this is weird, compare your post with Noomill's, and see what I mean? :-?

 

Was your B/card a "normal" card? Not a student or something different about it?

[slick132]

Bookie,

 

Haha, in 1999, I was no student!

 

It was a bog standard Barclaycard Mastercard.

 

You don't think................ no, surely not................. Barclaycard telling

porky pies. Ce n'est pas possible.

 

Slick

[Bookworm]

Well, the thought had crossed my mind.

 

Noomill, where did you get your info from? Do you have your statements?

[noomill060]

Bookie-

 

Currently taking Sharkycard to court over a S.A.R - (Subject Access Request) for data 1985-86.

 

They didnt defend, I applied for judgement by default. I have an assesment hearing before the District Judge on 25 October.

 

I got charged the £5 loads of times in 1985-86 as a student. I discovered that that they abolished the £5 penalty in 1989 from the history page of Sharkleycards own website. (This was down to competition- when the number of credit card providers increased dramatically from the big three of the time.

 

(Access, Barclaycard/Visa and American Express)

 

into the plethora that litter today's providers.

 

I'll see if I can find the link to the page.

[noomill060]

From- Product Categories, Financial, Banks, credit cards, loans from WARC.com

 

Barclaycard - 'Put it away Bough'

Paul Feldwick, Louise Cook and Sarah Carter, Institute of Practitioners in Advertising, Charles Channon, IPA Effectiveness Awards, 1996

 

1991-5 campaign for Barclaycard (with Rowan Atkinson). Gold and Charles Channon Award winner. After the relaunch of the card in 1990 (which introduced an annual fee), the problem was how to maintain s ...

 

Summary | Full Text | More Like This

 

From: http://emeraldinsight.com/Insight/viewContentItem.do?contentType=Article&hdAction=lnkhtml&contentId=857141&history=false

 

Emerald FullText Article : The cashless societyCredit cards were first issued in the UK in 1966, when Barclaycard began issuing as a ... The introduction of annual fees for some bank credit cards in 1990 ...

 

Some interesting stuff here-

 

http://www.mmc.gov.uk/rep_pub/reports/1989/fulltext/255a5.1.pdf

 

 

Barclaycard seem to have removed the reference to 1989 in their history now, I rememer it being there and also remember having this confirmed by the above references to the American banks moving into to the UK credit card market the next year.

 

This was the competion which lead to the annual fee replacing penalty charges.

[noomill060]

Barclaycard history

[Bookworm]

Hmm, guess what?

 

Got a phone call from Litigation tonight to discuss SETTLEMENT!!!

 

Long story short, she'll "have to check the figures with B/card" and get back to me. Take your time, luv, I'm in no hurry, as long as it's 100% of my charges + interest charged + 8% Stat APR, thank you very much!

[noomill060]

[caro]

Good luck on Monday Bookie. If you need any help preparing (as if, lol) I'd be happy to chat with you on Saturday when we are at the CAG meet. Mind you, I was rather hoping you'd have your money by then so you could buy the drinks, lol. Maybe Barclays will send a representative to bring it to you personally.

[Bookworm]

Well, they did say they were sending a barrister, so... ok, so they're not sending a barrister just for me, he's got other things to do that day... (presumably all those stays... I wonder if it will be the same chap I got on my Barclays stay, nice chap!), if it is, I hope he'll be better prepared than last time, if the judge hadn't had her orders from higher on up, he wasn't prepared at all for my other arguments!

 

Anyway, another day, another court case, hey... Quite looking forward to it if they don't cave in full before, especially as the bulk of their argument seems to be "we don't agree with your interest calculations"... but don't seem to be able to provide me with what they deem to be the correct numbers... I can see the judge being impressed with that one!

[caro]

Well as long as you're claiming all the charges, the interest on the charges, and section 69 interest on both for all the time you've been out of pocket, I really can't see the problem. I know you've checked your figures and wouldn't submit anything you weren't 1000% sure was correct to the court. Enough of the courts time has been wasted already. And yours.

[Bookworm]

Yeah, and wasting valuable drinking time too!