@barclaycard Barclaycard SAR Response

[bobster316]

Hi Slick,

 

I've received the SAR response from Barclaycard, still waiting the Egg details. I've extracted all the charges

and they come out as below. What should i do next?

 

Barclaycard Visa

 

8th Mar 2006 Late Payment Charge £20.00

8th Feb 2007 Late Payment Charge £12.00

10th Oct 2011 Late Payment Charge £12.00

10th Oct 2011 Over Credit Limit Charge £12.00

10th Oct 2011 Return Direct Debit Fee £12.00

8th Nov 2011 Over Credit Limit Charge £12.00

 

 

Barclaycard Sky

 

19th Feb 2009 Unpaid Payment Fee £12.00

21st Dec 2009 Return Direct Debit Fee £12.00

21st Dec 2009 Late Payment Charge £12.00

21st Oct 2011 Return Direct Debit Fee £12.00

21st Nov 2011 Late Payment Charge £12.00

21st Nov 2011 Over Credit Limit Charge £12.00

 

Thanks

[rebel11]

Hi bob

 

Use this spreadsheet to work out the interest, the interest rate can be found on your statements :- http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

Use one spreadsheet per account.

[bobster316]

Thanks rebel, the statements I have only shows standard balance interest of 1.527% how does that translate to Interest Rate (% APR) which is needed in the spreadsheet for the calculation?

[citizenB]

The apr will be 19.9%

 

I have attached the programme that calculates that for you.. so you can check for yourself

 

[ATTACH]32343[/ATTACH]

[slick132]

Hi Bobster,

 

Without wishing to tread on anyone's toes, I suggest you use the spready which was linked in post #2 and use a nominal rate of 24.9% to claim interest in restitution.

 

BC will usually pay this once you've started court proceedings.