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PPI refund from barclaycard


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I received a letter regarding a successful PPI claim from barclaycard.

 

It's for 197.67 PPI premiums and 612.61 interest which is inclusive of 8% interest after tax .

 

Now this debt has been bought by a Dca and is for approx 2400 which includes lots of charges .

 

Now barclaycard reckon they are sending me the money .

 

But I am going to claim back or try to claim unfair charges on this account

 

can I still do this .

 

They did once give me some charges refund of approx 300 which they refunded back into my account

 

I at no point wrote and accepted this they just did it .

 

So not sure if I can still claim the charges .

 

I thought the money would go straight to the Dca

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If the debt has been passed to a DCA then BC have sold it, they cannot offset any refund unless they buy the debt back.

 

I'm also trying to reclaim charges on an old credit card that BC now administer, had to do a SAR and could only find so many duff charges, over £12 as it was pre-2006 when the OFT made their ruling.

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Well they paid the PPI refund into my account today .can I still claim the charges ?

 

Yes, why not. Have you got all the details of what you are claiming ? If you have all the statements, and know what was repaid previously, you should be able to fill in a spreadsheet and send it to them. If not you would have to do a SAR and get the old statements copied.

 

Be warned, they don't just roll over and cough up like they do with PPI. You would need to take them to court, they tend to settle before a hearing but won't even reply before that stage :-(

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