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    • I see on November 8 I suggested that you read around all the stories especially the Hermes stories on the sub- forum. Yet you just have reported that you wrote them and suggested that you go to some kind of ADR. Why is that? Have you seen that mentioned in any of the stories on the sub- forum? What ADR did you have in mind? Do you think that such a scheme exists anywhere? We would love to know. If you want to move on with this then you need broadly to follow the advice here and that begins with reading all the stories and then taking the same path. Sorry to say but you've wasted three weeks. If you want to take control of this then you need to read the stories, take the suggested action. My site team colleague above has suggested the next step although that was clear from many stories which are already on this sub- forum
    • Update:  Apologies, it's a bit of a lengthy read.  I’ve been back and forward with Virgin Media after requesting a SAR using their online request form.    I didn’t wish to provide proof of my current address.  The SAR is in relation to my Virgin Media account at my previous address.   I don’t have any utility bills from my previous address so I sent alternative documents with my address in an attempt to prove my identity.  These were not accepted.  In addition, I’ve provided a copy of my driving licence with my old address details and am currently awaiting a response.   Time is ticking so after taking advice to support a mortgage application  in an attempt to improve my credit file I ended up phoning Virgin Media (recorded the call) .  The outcome of which was that I paid but this has not been positive for my credit file.    I spoke to an advisor and was asked if I wished to pay the £75.15.  I explained as per original post, said I didn't owe the outstanding amount etc.   I can enter details if it would be helpful.  I was told that it is not in their hands now, that I don’t owe virgin media, it’s been written off now.  Again, I was told that I don’t owe Virgin media anything.     I explained that my credit file went from 0 missed payments to a default of £75 after raising a complaint and that I received no information as to what the outstanding amount was for.  I stated that my post had been subject to re-direction with Royal Mail.  I re-iterated my complaint and what I wanted to resolve it.  I was advised that Virgin media don’t deal with that, so I asked if there was a department who does deal with that?   I was then transferred to the collection team where I explained everything again.  I was advised that the last bill was already generated on their system.  On reflection, I don’t understand how it was the last bill if they’re saying they did not receive confirmation that I cancelled.  I re-iterated through out the call that I was not aware of what the £75.15 outstanding charge was for, that it was different to my usual monthly bill and that my credit file was marked as up to date until I raised a complaint.  Then a default appeared and I don’t know what it’s for?   I was told that if I paid today that Virgin Media would remove the default.  They would accept payment today and it would be removed from my credit file.  I went back and forward re-iterating my issues.      I was told it  had already been through the process, it was final and so the money has to be settled. I was also advised that my account had gone through valid processes.  I said that there were issues with processing requiring an explanation as I’d not been advised of any charges and re-iterated the issues; credit file, DCA’s requesting differing amounts, correspondence, complaint responses, lack of compliant responses;cancellation, lack of response to 2 deadlock request letters.     The advisor then gave me her word that the default would be removed from my credit file if I was willing to pay today. She said I have her word. I asked for clarity that if I paid that she was stating that the default would be removed and not marked as satisfied.   She assured me it would be removed.    The advisor acknowledged there was still an open complaint.  I asked if she was saying the best she could offer me today to resolve my complaint was that I pay and the default be removed with no other explanation to the issues raised. She said she guaranteed that if I Pay 75.15. you have my word it will be removed when we receive payment.  They could not tell me what the bill was for nor provide a breakdown only that it had been generated.   I said it didn’t resolve my complaint, but I would pay based on what I’d been advised regarding my credit file.  I asked for the complaint be kept open as it was not yet resolved.  I asked for an email address for customer service, complaints, or the person dealing with my complaint.   I was told they don’t have a customer service e-mail address and that they are the complaints team as well.   Again, I stated the compliant was not resolved.    I asked how it could be resolved and  I requested an e-mail address/contact number for customer service/complaints/phone number.    She did offer for an advisor to call me back.    It’s been two weeks since I paid.  I remained on the phone while she said she was requesting the removal of the default.  However, the default remains outstanding on my credit file.  I didn't  receive a receipt as advised.  The money has been taken from my bank account. I have not received any correspondence either.   I'm awaiting the SAR still. 
    • Thank you. As there doesn't seem to be an address in their website, is the Companies House  address the correct place to send the letter of claim? https://find-and-update.company-information.service.gov.uk/company/01421773        
    • you do a letter of claim for DPD and send it to their registered UK address.
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how do i start trying to claim barclaycard charges


tibawo
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Hi all,

 

 

Bit of a background of me,

came out of iva but in the mean time got a good job on a zero hours contract which in hindsight is bad for someone learning to budget.

 

 

hours feel drastically in June and despite company saying work will pick up never has.

I am now in a continual cycle of charges.

I have written to Nationwide but am stuck over Barclays both bank and cc.

 

bank charge £8 sometimes when a couple pounds over and sometimes more than once a week.

 

 

bcard charge me for late payment and then again for going over.

 

 

I have had to borrow to meet rent and council tax.

leccy bill is rising so started to research into charges.

 

really not sure how to approach Barclays.

I have list of charges but have no idea about how to structure letter.

 

 

want to tackle bcard first as this is spiralling and causing most stress.

 

charges are £12 a pop.

 

any pointers would be gratefully received.

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Hello and Welcome tibawo,

 

Until someone more knowledgeable comes along to help you have a look at some of the 'won' threads here.............

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

 

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

 

...............

 

 

quite honestly you REALLY should be getting your income OUT OF THEIR HANDS and into a parachute bank account.

 

 

drop everything bar priority debts down to

 

 

you should not be borrowing to pay rent etc!!

 

 

these card debts etc are BOTTOM of the list

 

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Tibawo and welcome to CAG

 

You can reclaim all BC penalty charges plus compound interest from them. Check out the *WON* threads in the BARCLAYS SUCCESSES forum as linked above.

 

Re bank charges you're suffering, you may need to contact Barclays and seek help on the basis of Financial Difficulty. If their charges are putting you into unauthorised overdraft, see here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

 

:-)

  • Confused 1

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Thank you for your replies so far and for being non judgemental of my situation. I have used step change to build a budget based on the minimum hours I have been working with so I can move forward but anything 'extra' to throw at the arrears/debts would be a god send to my health.

 

 

to be honest I am not up with all the laws and processes to do with bank charges but know that to go through a company who charge is daft.

 

 

I can't get the spreadsheet link to work at the moment, on the ipad I can see it but not enter text and can't even open it on the laptop. I am going to get a coffee and try again.

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its an excel spreadsheet wont work on ipad

have you a PC?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Still had fun and games as the download was php formatted,

in the end I downloaded open office as used to have this on the old laptop and it worked straight away.

 

I have put in all the late payment and over limit charges.

Total for charges was £108 and with a compound interest of 24.9% it is a total of £117.52 [can't remember where I got this % figure from but am assuming it is the right one].

The charges come from April 2015 onwards at £12 each. The limit on my card is £150.

 

other bank account is sorted.

I don't have any overdraft on the bank account just £8 fees for bouncing dd etc.

 

I am going to focus on credit card charges first otherwise I might get myself confused.

 

I presume I am now ready for the next step which is the letter?

is there a template?

 

 

I have seen one or two letters on other peoples success threads but not sure if I can just adapt these?

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Hi Tib,

 

The figure for compound interest is low because the charges are relatively recent. In your case, I would use a Simple Interest spreadsheet using 8%. See here - http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=34009&d=1330899219

 

Use the Prelim Claim letter from the Library for now.

 

You should start a new thread in the Barclays forum to deal with the issue of their default charges. It's worth doing if there's any unauthorised borrowing involved. You may be able to get them to stop adding charges and/or interest.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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the ink ran out on the printer so I have not had chance to continue with my claim. I can't seem to find the template letter. could I use the one I sent to the bank or is there some legal reference for credit cards that needs to be in it?

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Hi Tib,

 

Prelim Letter is here and the same letter can be adapted and sent as the LBA - http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-LEGAL-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

This is only for the CCard chgs, not for dealing with the bank a/c and their chgs.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 3 weeks later...

I am really confused now. Bit of a background

 

 

I used to have a barclaycard.

Struggled with debt and ended up in IVA.

This was completed a few years back and I started to rebuild credit.

Eventually got a new card.

 

 

I wrote the current letter based on this new card.

The reply I got today says they think charges are fair as per previous response

but the copy of the letter refers to the other card I had in 2012 not this one.

 

They have included an ombudsman leaflet so what do I do next?

Write to them I intend to take action or just go to ombudsman?

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Hi Tib,

 

Have you read other *WON* threads as suggested in post #4 above. They will give you good guidance on how to proceed.

 

The next move after they refuse to refund in response to the Prelim Claim letter is to update the spready and send the LBA.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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