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Hi....Barclaycard charges...

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Hi short story,

i have a barclaycard fell behind on payments..they made an arrangement to pay it back.i thought stopping charges..they didnt really stop in the end..what with interest as well..its way to much,

 

my limit is 300

there interest added over a few months comes to 127..so my account is now at 427

 

i stopped paying because its outrageous...i had a plan..when it came to pay so i was back on equal footing i found theyd added another 30 pounds on..so i asked to make a complaint.

he said it was noted.......yeah i dont think so

 

so 427 later..im asking for advice what to do..surely they cant keep adding

 

how do i reclaim or get them removed..i dont work to pay for there charges

 

Thanks for reading.appreciate the advice.

 

a

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Hi i have a barclaycard..which ive had for around 4 years..i kept getting charges and im still over the balance by around 127 because of there charges being added on all the time.

my question is what the procedure to win these back.i reckon itd clear the account itself..its only three hundred balance..so the amount thye have charged over the years will probably cover that alone.

so whats the first step followed by second etc

 

any help greatly appreciated.thanks

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Hi Exec,

 

You can reclaim the charges in full and, if you're up for the fight, claim compound interest on top. If you have charges going back a few years, you can probably clear the a/c and get a refund in cash for the balance they owe you.

 

Read other threads for the procedure. Here for example - http://www.consumeractiongroup.co.uk/forum/showthread.php?271291-Barclaycard-4-cards

 

Starting point is statements - if you don't have them all for the last 6 years, send a SAR to BC.

 

If you have the statements, start putting the charges into a dedicated spreadsheet.

 

There's a Prelim Claim letter for credit card a/c's in the Bank Templates Library.

 

:-)

Edited by slick132
typo

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Hi i recieved a letter from barclays (dont worry i still intend to reclaim much as possible :-) just waited till after xmas at least before i get into hassles)

anyway they sent me a letter saying they had charged me to much interest and 51 pounds will be refunded to my account. Strange this occurs when i last spoke to them i hinted i was fairly unimpressed about the charges and way the account was dealt with. then they send this to me...is it not odd. My question is,is it worth threatning to rather than doing,probably not but have to ask i anyones ever tried it before.

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Hi EI,

 

I've not heard of BC refunding interest unless it's related to refunding penalty charges.

 

You should seek a full refund of all penalty charges and seek interest in restitution on top. BC don't respond to threats usually - you have to show them you are determined to get back from them whatever they owe you. This may be mis-sold PPI or penalty charges.

 

Read other threads here about reclaiming penalty charges, then get onto it. :-)


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i asked this in another thread as well but in relation to s.a.r,ill skip the cca as im faily sure bc and capital one will sort that out! but with the s.a.r template where do i put my information,and the sir and madam bit do i put the company in?

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Hi EI,

 

Use this template - http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Put your address at the top, then their name and address. You can use this one :-

 

Barclays Bank PLC

Privacy and Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

 

Dear sir or madam,

 

Your account number

 

Please supply, etc, etc.............

 

Yours faithfully,

 

Executed Inapt

 

8-)


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Could you give me the address again for barclaycard please slick?

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HI Exe,

 

You can use the address shown on your statements.

 

How far have you got with this, or have things not moved on yet.

 

:-)


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Hi slick,sorry for the late reply,yeah its moving,the s.a.r is in,also with a cover letter saying basically you have one oppurtunity to refund me these or i move with an offical course of action type,they did respond a couple of days later,by 7th of july they will let me know there answer on my 'unofficial demands lol' to be fair,im not out to dodge what i owe,im out to dodge there excessive charges

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