Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Barclaycard Over-limit charges


joncow75
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4271 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

In 2010 I succesfully claimed back over-limit and late payment fee's from barclaycard. So far so good. They refunded to the card, which I was happy for them to do, and it left me with an available balance of quite a few hundred pounds on the account. I used some of this to book a hotel for a short break then paid for a couple of other itmes before chopping the card up. I didn't think anything more about it untill a letter came from BC telling me they were reducing my credit limit. Not a problem I thought, until the bill came in and I was more than £100 over the new limit. It seems i'd used the card and the payment hadn't cleared through, and they reduced the balance before i'd received the letter!

 

That was Aug 2010 and ever single month I have been hit with a £12 charge for over-limit fee's. I've paid each month (late twice) and am still £99 over the limit, but with £240 of over-limit charges added (and the couple of late payment fees)

 

Does anyone think BC are likely to pay this back bearing in mind they have already refunded me? I'd even be happy for them to refund and reduce the limit as I dont intend to use the card

 

Many thanks in advance

Link to post
Share on other sites

Go for it, credit card charges are still very much worth going for, the test case only addressed overdraft charges, don't let them tell you otherwise. Just be ready for a long slog (but you'll know that if you've already tackled them once).

Link to post
Share on other sites

TBH, Barclaycard were pretty easy at first go, no hassle at all, just wondered if they would view as "we've paid you once, get lost" I've amended the letter to include why I've gone over the limit as i wasn't even aware they were reducing it untill after it had been reduced

 

No harm in trying, just wondered if anyone had any similar success

 

Thanks for the quick response though

Link to post
Share on other sites

PENALTY charges are PENALTY charges regardless

 

until they detail their exact costs you'll win everytime

 

dx

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... 

Link to post
Share on other sites

Hi JC,

 

Yes, BC are likely to repay the charges in full.

 

Before you do your Prelim Claim letter, decide if you want just the charges back, or compound interest in restitution on top.

 

If you want the latter, make sure you request this from the outset.

 

Otherwise, they'll just refund the charges and you'll lose out on the higher interest.

 

Having said that, the benefits of claiming compound interest are reduced when addressing more recent charges.

 

To decide how best to proceed, see how much extra you'll get in compound interest at 24.9% using the CI calculating spreadsheet.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks guys, letter is drafted and will be off in the post today. I'm happy to claim stat interest as they are all recent charges and don't see the point of a lengthy fight for a couple of pounds

Link to post
Share on other sites

Noted but you can't claim s.69 Int't until you file a court claim.

 

BC will offer to repay the full amount of charges (sooner or later) and, if you are lucky, they may offer to add a flat 8% bonus. Any such int't will not be related back to the charge date.

 

In any event, you will get the full amount of charges back without the need for any court action.

 

:wink:

Edited by slick132
typo

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Slick, many thanks. I've simply sent a letter explaining why i'm over my limit, highlighting how many over-limit charges are on and asking for a refund. They did add the 8% last time, so thats fine by me if that is what I get. Card is chopped up anyway, so it should hopefully be back below its limit soon

 

I'll update once i've had a response

Link to post
Share on other sites

  • 2 weeks later...

Did you send them a spreadsheet showing the charges you're reclaiming.

 

Unless you look like you mean business, they may only offer to refund any amount in excess of the £12 OFT recommended limit.

 

However, if you're happy to wait for their next letter, let us know what they say.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

If you letter was dated 2nd May, you should send them a LBA before the end of this week, giving them a final 14 days to pay up.

 

Don't wait for their timescale - stick to yours.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 1 month later...

Well,

I got what I should have expected which was a fob off for another 4 weeks (the 8 allowed by the FOS)

 

Didn't get letter till well after the 1st, even though it was dated the 1st.

 

I spoke to someone on that day and they said as it was the 1st they had the day to send something out.

If I ordered something to be delivered on the 1st of the month and they decided to send it on the 1st and it turned up on the 6th I'd be pretty unhappy,

so why do BC think that they can say I'll have a response by a particular date,

but what they actually mean is they will send a letter by 4th class post on that day.

Total joke.

 

thought about an LBA but as thats a 14 days letter and I have 14 days till they have "promised" a response then i'm just going to have to sit put

Link to post
Share on other sites

I'd send them a LBA anyway, enclosing an updated Schedule of Charges showing revised (increased) s.69 interest.

 

Don't let them feel they're dictating the timescale.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...
Did you send them a spreadsheet showing the charges you're reclaiming.

 

Unless you look like you mean business, they may only offer to refund any amount in excess of the £12 OFT recommended limit.

 

 

 

However, if you're happy to wait for their next letter, let us know what they say.

 

:-)

 

 

slick132 - Are they allowed to charge the £12 - I thought all charges for overthelimit and late payments were penalty charges and could be claimed back? I successfully claimed these back before but now Barclaycard are ignoring my letters and continue to add charges - has anything changed?

Link to post
Share on other sites

I should know the answer to this in a couple of days. I don't see any issue with trying to get these back, and as someone said earlier in the thread they paid out once, so no reason why they wouldn't do it again. Untill BC prove the cost of managing an account that is paid late or over the limit is £12 per month then i'm not sure how they can defend themselves. I've even heard that BC are refunding all new £12 charges on old Egg cards, but won't refund anything when Egg were charging £16. Very strange!

Link to post
Share on other sites

Hi Seaquest (and apologies to JC for the hijack),

 

Nothing has changed. Late payment, bounced payment and over-limit fees are unlawful penalties and should be reclaimed in full.

 

If you don't look serious in your dealings with BC, they will see this as weakness and perhaps only offer to repay what they think they'll get away with.

 

If you're being ignored, BC clearly aren't taking you seriously. Did you follow the advice I gave on your own thread on 2nd October 2011 - http://www.consumeractiongroup.co.uk/forum/showthread.php?322090-Sequest-Problem-with-BC-default-charges&p=3574906&viewfull=1#post3574906

 

The strategy is simple. Prelim letter with compound interest spreadsheet giving 14 days. Then LBA giving final 14 days. Then file a court claim.

 

BC will repay all penalty charges plus compound interest if you follow the basic steps. Please use you own thread to discuss this further and I'll comment there shortly.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Rang today to find out what was in my 8 week letter and was told they still haven't resolved my complaint. Unbelievable!! I was told on the phone I could go to the FOS now, I informed the girl on the phone that I find it unbelievable that Barclaycard take 8 weeks to do nothing with a complaint and that yes I will be going to the FOS which will cost BC £750 for an investigation which is considerably more than I was complaining about. No wonder the banks are in a total mess.

 

FOS form will be off in post today, so disappointed with the service from BC as my last complaint was dealt with in time. One guy I spoke to claimed that they were dealing with more charge complaints than they were PPI complaints at the moment. I'm starting to understand why!

 

BC will also get an LBA letter of 1 days to hurry them along and I think i'll be considering court

Link to post
Share on other sites

I'm afraid the reality is, unless you are prepared to take court action to sort the matter promptly, you're at the mercy of BC who may still refuse to refund even after their lengthy deliberations.

 

There's no certainty that the FOS will order a full refund either. However, time will tell.

 

Don't send BC the LBA unless you are willing to follow it with prompt court action. If you do, you are not helping other claimants who seek refunds from BC in the future.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Good point Slick. I'll wait til the end of the month, when I can afford a court fee. In the meantime i'll send my letter to the FOS so at least BC get their "fine" and see what comes in the next couple of weeks. I don't have a card for the account and just make sure I make my payment every month, so not a massive difference if sorted today or next week. Its just slightly more interest added so BC's loss not mine. I've taken Cap One to court so know the process. The threat to MBNA worked without me having to go that for, so fingers crossed

Link to post
Share on other sites

I hoped that this was going to be quite straight forward,

but after ringing today I have been told that no-one has looked at my complaint,

its not even allocated to someone and yes I can go to the FOS.

 

The guy on the phone was pretty candid with me, was very aware that BC would get a fine for an investigation,

but told me I wouldn't hear anything more until their investigation was complete

- whenever that may happen to be!!

 

As they had complied with the FOS 8 week time limit, but were no further forward,

they were under no obligation at all to contact me again until any work they were doing was complete.

 

Whether 2 days or 10 years.

9 weeks of waiting to be told this!

 

Based on that, no bank need ever respond to any complaint and just let everyone go to the FOS after 8 weeks.

It would be carnage!

 

The FOS would be under a deluge of complaints, and nothing would either get investigated correctly or within years.

 

Surely this is all a bit wrong?

Link to post
Share on other sites

You started your thread on May 2nd.

 

It's now July 9th and they're still giving you the runaround.

 

You've been told by just about everyone on this thread that the only way they'll pay up is if you take them to court, yet you're shocked at their response?

 

The way I see it, you have 2 choices: Let them keep on leading you by the nose until you give up or take the initiative and make them pay you back. No-one but you can do that though.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...