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Skydancin -v- Barclaycard


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we are with Payplan, its came to the end of term, so they asked barclay for uptodate figure, we still owe 700+ interest and charges l feel this is what it is.. We would like to ask can they add more interest and charges to the figure of above.. same with other creditor RBS, can they do the same. How would we know what is fair...on charges and interests... would it be possible to ask them for break down on these figures, to work out when they applied them against a payment going in... after seven years, we found another 24 months to go.. we are very upset that it was not waivered, as we never missed a payment to all creditors in the seven years... all the very best for the season... ty x sky

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Hi Skydancing,


I've started your own thread for this to avoid resurrecting the old thread that you posted on.


Have you asked Payplan if it was agreed that BC would continue to add interest while you were, I assume, in a DMP.


Do you know what the "charges" were for.


You may need to send off a SAR to BC to get data for the a/c for the last 6 years. Any penalty charges can be reclaimed in full plus interest.



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we asked barclay card to freeze payment and interest, but it was in the middle of the dmp, we sorry to say niave we did not understand that there is a penalty for being in a dmp, that interest and charges we will ask Payplan after christmas as the office is now closed.


Am l right l need ten pound postal order to send to barclay card and any other creditor, for the six years facts and figures..


We would not know what is fair or not, can you give me a brief idea what we could claim for..

thank you for the help


merry christmas

Edited by skydancing
missed information out
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yep sar is £10 po


that'll give you all they have


anything that is a 'fee/charge' ie late/non/limit etc can be reclaimed + int at THEIR rate compounded from the date of EACH charge to the date of your claim.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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