how do i start trying to claim barclaycard charges

[tibawo]

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.

[maroondevo52]

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.

[dx100uk]

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 fos 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 restitution 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

[slick132]

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

 

[tibawo]

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.

[dx100uk]

its an excel spreadsheet wont work on ipad

have you a PC?

[tibawo]

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?

[slick132]

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.

 

[tibawo]

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?

[slick132]

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.

 

[tibawo]

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?

[slick132]

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.