claiming £12 Barclaycard charges - help

[asalique]

I m trying to claim back charges on my barclay card.

I found the prelim letter to use, but not sure if i should include an soc. If this needs to be included with letter, is there sample / template of this on cag site that can help me prepare my soc.

Thank you

A S

[fkofilee]

Do a SAR Request first - £10 Postal Order etc...

[asalique]

thanks for the reply fkofilee, sar already done, have worked out total amount i need to claim.

not sure if i need to include schedule of charges with prelim letter

thanks

[dx100uk]

yes and charge 24.9% compounded int on each charge

 

 

I've moved you to the Barclaycard forum

 

 

have a read of a few threads here

 

 

you'll soon get the idea

 

 

dx

[fkofilee]

Sorry you didnt make that clear , Yes send a summary of the charges you wish to reclaim... Send it to the Execs office

They have more power and will more likely help you...

 

[email protected] - Mr John McFarlane - Acting Chief Executive

[email protected] - Mr Michael Roemer - Head of Compliance

[email protected] - Ms Valerie Soranno Keating - CEO Barclaycard

[slick132]

Hi Asalique,

 

We encourage BC reclaimers to seek compound restitutionary int't as DX says above.

 

What's the earliest chg you're reclaiming.

 

Enter you charges data on this spready and let us know the approx totals for chgs and for int't - http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=34010&d=1330899255

 

Read some of the **WON** threads in the Barclays successes forum here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Go through them and make notes to use as your own case progresses.

 

[asalique]

Thanks for the link for the spready.

 

Earliest charge march 2010, and totals £624 excluding interest.

I think I would be happy if BC refund full charges only, guessing for the interest i would have to involve the courts.

 

I was thinking I would include the schedule of charges but without interest and add a sentence on the prelim letter that unless they refund charges in full within 14 days, I will take them to court and not only claim full charges but also interest and costs.

 

Does that sound sensible?

 

Thanks again to all.

[slick132]

Have you put the charges on the spreadsheet to see how much the interest comes to using 24.9%. You may be surprised.

 

What you suggest may sound sensible but ONLY if you are prepared to take court action as threatened.

 

They will not be worried by the prospect of court action, interest or costs.

 

[asalique]

yes very surprised at 24.9% gives me £685.

 

i just thought they would be more inclined to settle fast without the interest, trying not to be greedy ONLY want back what they taken off me

[asalique]

is this spreadsheet ONLY for interest calculation purpose? Or can i print off as is and attach with letter?

thanks

[JoeyJoeC]

How did you get £685 from £624 + Interest? Am I missing something?

[asalique]

that's what the spreadsheet calculated at 24.9%, see below -

 

 

CLAIM CALCULATION

 

Total of Charges £636.00

 

 

Compound Interest £685.18

 

 

Total £1,321.18

[slick132]

How did you get £685 from £624 + Interest? Am I missing something?

 

Compound interest

[asalique]

Claim From: 18/03/2010 Claim To: 02/11/2015

 

Interest Rate (APR): 24.90%

[JoeyJoeC]

Oops thought that was including the original amount.

[slick132]

Hi Asalique,

 

You can print off the spreadsheet to send with letters. Every time you open the spready, it will give you an up-to-date interest figure using the date you open it. So, whenever you send a spready with your Prelim, LBA or court claim, print off a copy for you to keep showing the figure of int't claimed at the time.

 

BC may possibly decide to refund the £12 charges voluntarily, rather than let you proceed and claim 24.9% compound restitutionary int't. It's your prerogative to accept that offer or not.

 

However, you cannot rely on this happening.

 

I'd send the standard Prelim Letter, enclose the printed compound int't spready and see how they respond.

 

[asalique]

thank you slick132, i will do that

 

do i change spreadsheet heading to schedule of charges or leave everything as is?

 

[ATTACH]60120[/ATTACH]

 

thanks

[slick132]

Hi Asalique,

 

Change the heading to show "Your name" and Schedule of Charges".