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Barclaycard statement has word 'penalties' on it


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Anyone else noticed this??

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The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

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yes

 

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... 

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I didn't think that they had the legal status to use such a term.

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Hi SS,

 

Are you referring to recent BC statements ?

 

They can call the default charges whatever they wish. But the important fact is that they repay them when challenged.

 

:-)

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Surely if they call a default charge a penalty then it is no recoverable thus making it invalid?

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Hi SS,

 

They can call it whatever they want - Default Charge, Penalty Charge, Additional Charge, Admin Charge - it makes absolutely no difference.

 

If you are penalised for a transgression on a credit card, a bank loan or a catalogue a/c, you can and should reclaim the full amount of any such charge. It is a charge against you for breaching the terms of your agreement and does not necessarily reflect the true cost to them caused by your transgression.

 

I asked above, "Are you referring to recent BC statements ?"

 

:wink:

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I've only noticed the word 'penalties' on my latest one. I've already got a complaint lodged with the FSO about a PPI claim!

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Hi again,

 

I've been over recent statements and can't find any mention of "penalties". :???:

 

Is yours a BC Visa or a BC Mastercard and where does "penalties" appear please.

 

:wink:

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BC Visa. On page 3 It says "Please read this urgent information about penalties and charges on your account" then it tells me that I have been charged £12 for being over my limit.

Please Note

 

The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.

 

I would always urge to seek face to face professional advice for clarification prior to taking any action.

 

Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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Thanks SS.

 

That explains it - I didn't keep page #3 when I got hit with a charge recently.

 

Needless to say, they refunded it for me promptly, plus interest that they charged on the a/c.

 

:wink:

We could do with some help from you

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                                            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 !:-)

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