Barclaycard claim

[Jedicris]

Hi,

 

I'm looking for some clarification for a claim I'm putting together against Barclaycard.

 

Background:

Took out CC in 2000, ran into problems in 2008 and ended up setting up a DMA (Free One) and been making payments since.

 

Position so far.

Have found all possible statements (still a couple of years missing) and using them have added up all PPI payments made. = £2534.20.

Using one of the spreadsheets available on here (thank you) have calculated interest. =£7905.55. Does that sound right?

Have also worked out that not paying the PPI would have meant that I would not have exceeded my credit limit, so have claimed back overlimit charges. = £132.00

Have calculated interest on overlimit charges. =£184.82

Have also roughly calculated how much extra interest I paid by having the PPI. =£1358.94.

Have calculated interest on the extra interest paid. =£2796.54.

 

Also, I have calculated that at the time my CC was transferred to a DMP, my balance would be a lot lower. Should I also seek reduction of the DMP by the difference in the balance.

 

Does this sound right?

Many thanks for you help.

If not for this forum, I would not have been able to do this.

 

Info in table format below.

 

Reclaim of PPI £ 2,534.20

Interest on Reclaimed PPI £ 7,909.55

Reclaim Incorrectly Applied Overlimit Charges £ 132.00

Interest on Reclaimed Overlimit Charges £ 184.82

Reclaim of Excess Interest Charged £ 1,358.94

Interest on Excess Interest Charged £ 2,756.94

Total of Claim £ 14,876.44

[Jedicris]

Supplemental Question.

 

Do I claim until the debt went to DMP or to date I send claim in.

 

Thanks.

Jedicris.

[dx100uk]

claim to date of claim

 

and i hope your dmp is not fee paying fleecers [seen it s not now]

and that all the debts SHOW on your cra file?

[dx100uk]

penalty charges and ppi should be separate claims and soc's use the runningfos one from here

 

for both

 

unless you want to claim CI then use that one.

 

BC do pay CI at 24.9 i think

 

see the BC forum

 

dx

[Jedicris]

Hi dx,

 

Thanks for that.

 

So seperate claims for PPI and Penalty Charges. OK

 

I did use the runningfos spreadsheet to calculate some of the figures but was concerned that the figures seemed OK.

 

Many thanks,

 

Jedicris

[Jedicris]

Hi,

 

Have now been able to check, they are showing on my CRA file. Can you please explain why and if this is crucial.

 

Many thanks,

Jedicris

SITTB

[dx100uk]

only that the reclaims will most prob go off the outstanding balance of the card then

unless its been sold on

 

dx

[Jedicris]

OK, Thanks for that.

[Jedicris]

Advice Please:

Well, my SAR arrived from Barclaysharks today by Recorded Delivery. Problem is, they sent it to my previous address, despite me informing them of my present address two years ago and my present address being very clearly displayed on the SAR request that I sent them.

 

Now my query is; Do I write to them and point this out or do a formal complaint to the ICO or do both?

 

To really pea me off and to add insult to injury, the have only sent; "Letters and Reports", no statements or transaction history. Nothing really useful except that one of the reports does show my present address but with the previous Post Code. What a load of incompetent idiots!

 

They still have 10 days before the 40 days runs out but suppose I'd better think about preparing a "Failed SAR" letter.

 

Any thoughts gratefully received.

 

Jedicris.

[Jedicris]

Hi,

 

Latest Update on my Barclaycard claim.

 

Had a letter from them saying:

"Not currently in a position to provide you with a final response".

"We are waiting for records relating to the sale of your PPI so we can reach a resolution".

"We are currently investigating your complaint and are yet to reach a resolution".

"The delay is due to the high volume of cases we are dealing with".

 

Ummm! Perm any one or two from four.

 

Perhaps the poor dears are just sooooo overworked with all the nasty ickle people claiming their money back.

 

Power to the People.

 

Jedi(Wolfie)cris

[Jedicris]

Hi Everybody,

 

Well, Well, Well!

 

Further to my previous post. A letter today from Barclaycard upholding my claim and offering just over £9500.

 

I am WELL CHUFFED.:-)

 

Once I get some of the cash in the Bank Account, a nice donation on its way to CAG.

 

Perhaps a change of title is in order?

 

Jedicris

[cbd13]

Congratulations!!!