@barclaycard BC Goldfish a/c mercers/debt managers/ call serve - now arrows

[francoe]

I am trying to access the letter template link that CB left me in my hillesden/mbna post but it keeps throwing back that i do not have the privilege ??????????

 

I need to get to the reclaim charge template letter.

 

Any ideas??

 

Thanks R

[dx100uk]

you must be logged in

[francoe]

Yes DX i know.

 

I am & have just tried it again,same message.There are 2 links in this post & the one that i want wont work for me.Can you give me a link to the reclaim charge temp letter.I went to this post as i knew it was there,cant find it in letter templates.

 

Cheers R

[dx100uk]

Quote:

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

letter before action (Delete if this is your Prelim Letter)

 

 

Dear Sir/Madam,

 

CARD/ACCOUNT NUMBER: xxxxxxxxx

 

I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

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

Additionally, you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you, or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.

 

Yours faithfully,

 

 

[signature]

 

 

[print name]

 

.

.

© Reclaim the Right Ltd.

Categories:

• Debt Collection Library
  

 

[francoe]

dx

 

Thanks for that

R

[francoe]

Hi

 

A few questions before i proceed.Thanks DX for the temp.

 

I am sending this claim to the DCA,is this correct?

 

If so do i remove from the letter wording in regards to the default notice & default entry as regards to my CRA file as this would have already been done by Goldfish????

 

Thanks

[francoe]

I have drafted letter which includes CRA stuff.

 

How does this read????

 

Also i have put the end date on the CIS spread as the 12/06/2012.This was the date which gold sold the debt.

 

Is this correct.

 

Be good if someone could view and advise!!!!

 

Thanks R

[dx100uk]

spreadsheet runs until the date its settled.

 

PENALTY charges reclaims ALWAYS go to the Original Creditor.

 

i'll read it later.

 

dx

[francoe]

Thanks DX

 

I will have to amend back to your original copy as i wrote it as though going to DCA.

 

This seems to be conflicting advice as per my MBNA post or is that because there are court papers involved with that??

 

Cheers R

[dx100uk]

no reclaim ever goes to a dca court claim or otherwise.

 

you might be 'using' the claim in a court fight against a DCa

but the sums always come from the original creditor.

 

dx

[francoe]

Ok

 

Will amend & post up later.

 

Thanks R

[slick132]

Hi Francoe,

 

If you haven't amended it yet, this sentence is now left off the new template as it is considered to be unnecessary :-

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

If it's already done, no matter but leave it off the next one which will be the LBA.

 

[francoe]

Hello again Slick.

 

Thanks for that.I have just sat down to do it.

[francoe]

Ok Letter & CIS

 

Suppose letter is standard.

 

So i am right in saying that this claim is going to Barclaycard Goldfish, the original creditor?

 

The claim will make a significant difference to the balance that arrow claim i owe.

Edited October 25, 2013 by francoe

[slick132]

Hi Francoe,

 

The letter and spready look good.

 

Wait for BC's refusal and then send the LBA.

 

[francoe]

ok.will do

 

Thanks

[francoe]

Hi

 

Ok.Just printed out letter & proceeded to do likewise with spread!

 

I am printing out loads of paper.

 

This may seem basic to others.How do i just print out the spread on 1 sheet of A4?

 

Thanks

[dx100uk]

are you using excel?

if so

 

simply click and hold your left mouse button

sos you make a BOXaround just the width of the spreadsheet colms

and the depththat your rows go down too

[in other words box/capture all the data

 

then go up the top left to the icons.

 

page layout

print area

set print area

 

 

job done.

[francoe]

Thanks DX

 

All done

[francoe]

Letter away yesterday.

 

Lets see what happens!

 

Cheers R

[francoe]

I have sent out prelim letter as mentioned above.

 

As quoted on letter its 14 days to respond.Can i clarify its 14 days flat from the date of my letter or is there any allowance for posting.

 

For example my letter was dates & sent on the 29/10/2013.

So on the 13/11/2013 i will post LBA.

 

Taking into account they do not respond or disagree.

 

Thanks

[slick132]

Hi Francoe,

 

Send the LBA 14 days after you sent the Prelim unless they have by then agreed to refund what you asked for.

 

[francoe]

Thanks for clarifying slick

[francoe]

Hi Slick & others

 

Can i just check a postal address,as i have received no response from Goldfish.

 

I want to send out LBA.

 

I used this address

 

Barclaycard

1234 Pavilion Drive

Northampton

NN4 1SG

 

Just to say also that this debt is with Arrow Global should i have sent it there?

 

Any advice?Thanks

[Desperate Daniella]

Hi francoe,

 

I think that is the right address - it certainly is for Barclaycard. However, I've seen somewhere on the site before that LBAs should be sent to their Head Office in London.

 

I'm sure Slick will advise later.

 

DD