Chorlton vs Barclaycard ** WON **

[paulrockliffe]

Hello, well done with your success, I'm about to start my own claim against barclaycard and have a quick question:

 

Did you claim a refund on your charges only, or did you claim back the interest you've paid on those charges? I'm asking because when i claimed against Natwest on my current accounts I didn't add any interest, because the loss to myself wasn't enough for it to be worth my while, however, with the credit cards, not only have I lost the charges, I've had to pay interest on the debt they created at almost 25%, which amounts to a fair whack that I've had to fork out unlawfully.

 

As it stands, I have a balance of £470 owed to barclaycard, of this debt £732 is accounted for by their charges and a further £429 by interest, so you can see that my debt is practically entirely composed of interest that I've been charged on their unlawful charges!

 

Once I get that all back I'm free off that debt and can knock a good chunk off my debt with Egg before I pursue them for a further £894.

 

Happy hunting!

[chorlton1]

I claimed for charges plus interest at the prevailing interest rate on my account - they didnt query the rate I applied but I did clearly state in my LBA and on the spreadsheets what the rate represented.

Good luck!

[chorlton1]

Hi Chorlton1

 

Did they raise the argument of just refunding the charges minus the £12 "reccommended" by OFT, or just refund the full whack withiut any bartering?

 

 

The only firms that used the OFT argument were Barclaycard (they quoted it incorrectly so I sent them the entire text back - they paid after that) and Amex (who also paid).

 

I would have a copy of the April 2006 OFT statement ready to send to them - it is spurious to argue the £12 and they know it.

 

The banks have not quoted it as they, in my experience, used the OFT ruling to say that it only applied to credit cards and that there was nothing unlawful about bank charges - they cannot then argue that it does apply for the £12 threshold - kind of having their cake and eating it!

[chorlton1]

Or it was the 9 calls you made to remind them - congratulations another satisfied CAG member.

 

 

Rather bizarrely, Barclaycard cashed the "missing" £10 SAR cheque last week, nearly 6 months after I sent it!!

 

I had a look at the phone calls I made to Barclaycard, out of curiosity - I made in total 16 calls which took over 3 hours in total!!!!!

 

If it hadnt been a "cheap" rate I would be making another claim!