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le_bonn

Help with Barclay card.

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Hi all.

 

I was hoping one of you guys could give me a hand with this,

 

I have been Having prolonged wrangling's with Bcard and their DCA's for a good few year, I have perhaps let things lie for a bit to long but with no contact from any of them I just forgot all about it.

 

I sent the SAR request and received back all the statements from the account, I have compiled a spread sheet of transactions. Detailing money in and out, any charges applied and of course and PPI payments made.

 

I would be grateful in anyone could give me any indication as to the best course of action with these figures.

 

Not counting the interest, the money spent when compared to the money paid when combined with the fees and the PPI are about the same.

 

Should I send of a dispute notice to Bcard? I can PM any of you guys with the figures if you think it would help?

 

I am a bit at a loss with what to do with this information.

 

Any help will be gratefully received.

 

Cheers

 

Le_bonn

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info is in my sig below

 

i've moved your thread to the BC forum

 

have a llok at shelleys threads and others for what to do

 

the PENALTY charges & PPI will

be two sep claims

 

dont forget you can use 24.9% as the int rate on the spreadsheets

 

do two spreadsheets [CISHEET]

 

one of PENALTY charges [£12 etc etc]

 

one for PPI.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Le Bonn,

 

This reply is about reclaiming penalty charges only. Use a separate thread in the PPI forum to deal with that issue.

 

Read the Interest Tutorial here about reclaiming penalty charges plus interest in restitution - http://www.consumerwiki.co.uk/index.php/Interest_Tutorial

 

Use this spreadsheet but change the interest rate to 24.9% - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

If you choose to claim interest in restitution, you will have to file a claim against Barclays Bank PLC t/a Barclaycard. See other **WON with int't in rest'n** cases here for guidance - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Do the reading and then shout for further advice if you need it.

 

:wink:


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