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Additions Fee Claim - Help please!


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Hello all

 

I used to have an additions account which I closed several years ago. I have had my account since 1998 and in 2000 I had ODI added to the account. I can't remember whether the Additions was upgraded or applied around the same time as the ODI or whether I had it from the start?!?

 

I am complaining about the ODI but want to see if I an get my Additions fees paid back also. How would you approach this? Should I request a SAR to see the account activity or is it too far back to even have a chance of getting them refunded? As mentioned I can't remember whether it was just upgraded as some have pointed out or I had it from the start! I know I cancelled the Additions several years ago, but again I'm not sure which year..Probably around 2004!

 

Also I want to try and reclaim the bank charges that I have had since having this account which I know there are quite a few! Again do I have any chance of getting them refunded?

 

 

Many thanks in advance

 

Sean

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I also had a loan that I took out with Barclays in 2002 and I have the agreement paperwork; however in the repayment schedule it doesn't say anything about PPI! Would this be included in here if I was paying PPI or would it have been separate? I can't remember if I did have PPI on this! It's broken down as follows:

 

Amount of Loan

Total Charge of credit

Total Amount payable

Monthly repayment

Number of repayments

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Hi Seana and thanks for starting this new Additions thread.

 

I'll stick to only commenting on the Additions issue here.

 

Do you have old statements for the a/c to show what was paid in Additions fees. If not then I think this'll be a non-starter.

 

Barclays will normally supply data for the past 6 years when you send an SAR. If you're lucky, you may get an extra few years' data, perhaps back to 2005. You'd be unusually lucky to get data before then.

 

Also, reclaiming Additions fees is different to PPI, ODI or credit card penalty charges. You don't have a strong "Cause of Action" to take court action. So the bank have no reason to offer much of a refund.

 

If the Additions charges were recent, Barclays might offer to refund a proportion of the fees as a goodwill gesture. If you complain about charges any older than 6 years, the bank will probably deny the claim entirely, on the basis that the charges are Statute Barred. They'd be right to argue that any complaint should have been made years ago.

 

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Hi

 

No I don't have any statements that far back :(

 

I read in another thread that a guy requested a SAR from Barclays and got back account info dating back to 1998!

 

But I guess it would be pointless based on your comments?

 

What are your thoughts on the loan?

 

Many thanks

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Hi Seana,

 

Even if Barclays sent you the data, they will NOT be refunding Additions fees from that far back, not even a proportion of them.

 

Re the loan, the agreement would show PPI clearly if it was included so I think you can assume there was none on it.

 

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

 

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