Monument Credit Card

[richmulch]

Has anyone actually successfully claimed all teh money back that they aree owed from Monument which is part of Barclays!! Ive seen plenty of people accept offers but no one who has got the full amount im currently chasing them for £1100 they offered £497 as final response!!!! Just about to do MCOl but would like to hear from other who have claimed back from them??

[Tonya77]

I just received a letter from monument this morning offering me half of the money they owe.

 

I have read on this forum that some companies do that and that we shouldn't accept it as ful repayment, but part.

 

I intend to reply and accept as part payment and will be looking for the letter to send that is in this forum. I suggest you do the same.

[Innocenti]

I am taking Monument to court. I have never received a letter of them. Not one. I am up in court at 2.00pm on Monday the 26th and I still haven't heard anything from there. It is only for £500 aswell!!!

[innocent]

Take it from somebody who WENT to court yesterday (monday) after a successful conclusion to a barclaycard claim (on friday)....

 

you will win

 

innocent vs barclaycard

 

 

(Days away from submitting MONUMENT contractual interest claim, after LBA deadline)

 

 

Innocent

[Innocenti]

Take it from somebody who WENT to court yesterday (monday) after a successful conclusion to a barclaycard claim (on friday)....

 

you will win

 

innocent vs barclaycard

 

 

(Days away from submitting MONUMENT contractual interest claim, after LBA deadline)

 

 

Innocent

 

I dont have to go to court now, I got a letter on Saturday saying that it is not cost affective blah blah blah and they will pay up.

[Brad Smith]

excellent...just about to start with monument.

[lickthewallfatboy]

do any of you claiming from monument have charges actually showing on your statements with a figure?

 

My wife has a monument card,and was overlimit for

a while,and although there were letters referring to "further" charges,she could never see any in the first place!!

[richmulch]

all my charges are listed as either late payments or overlimit fees, i am also claiming back this credit card repayment that they kept charging me a £5 a month for and i never asked for it

[Innocenti]

Mine also said late payments or overlimit fees.

[innocent]

Agreed...

 

 

late and overlimit fees

 

 

all shown on the statements

 

 

Innocent

[Brad Smith]

Was it easy for you to get your statements back Innocent?

 

I've not used my card in nearly 3 years and have no statements at all.

 

Cheers

[innocent]

Very easy....

 

I used the template letter here and did enclose £10 which they kept and ultimately is unrecoverable....

 

 

And all my statements (or "subject access requests": see template) have been provided within the 40day maximum period....

 

 

Hope this helps

 

Innocent

[Brad Smith]

that's great, cheers

 

I was a bit worried as I haven't used the card in so long that it might cause problems. I've got a letter they sent me in January (I haven't had a statement or used the card in years) tellng me that they've cut my limit from £6,000 to £250.

 

I'll post the SAR off to there.

 

Thanks for your help

[innocent]

If you claim between 3 years ago and 6 years ago this is fine...(there are some threads here that suggest that you can probably go beyond this 6 year max too)

 

 

They probably cut your limit because you haven't used it or something...

 

 

Have fun

[runnycustard]

I never got any statements for a year! and when I rang each month to check the balance it always said I was under and I had a DD... came as a bit of a shock to find £165 added to my account over the £500 limit! it took two years to find out that they had added a annual charge - obviously didn't know as they ignored my 15+ letters sent to them and numerous phone calls. why didn't my DD increase for the extra amount... and why not tell me when I called them???

I asked to set up a payment plan and they said no and put the phone down!

I've been making regular payments (£65 for 8 months then lower amounts as I dont' see why I should pay this - I don't mind paying what I owe but not an 'imaginary' amount) AND in two years it has not gone down from £835!

sending 2nd letter today by registered post. glad to hear that people are getting the full amount back when going to court or a week before.

 

good luck all and let me know how you get on!

[beckz27]

Does anyone have an E-mail address for Monument, or know were i can get one from.

[Laney65]

I've waited 8 weeks now and they have not provided any statements at all they have however took the £10 I sent for the SAR and then offered me £131.

 

I have now sent a very stongly worded letter giving them 7 days to send my statements or I will report and take to court to force a compliance.

 

Foolishly I thought I would play along with them but not anymore if they want a fight they can damn well have one.

 

These guys are a complete joke and by the looks think that wasting time will discourage people from pursuing them.

[Brad Smith]

i didn't get statements, but i got a list of charges within a couple of weeks. And they haven't cashed my SAR cheque.

 

Strange bunch

[Dotty111]

I have had the same problem with monument. I sent a S.A.R. request and all they sent me about a week ago was a sheet of paper with about 7 charges dated from 2000 to 2007 nothing else. I have written back to them re non-compliance and they have about another week left to send the correct info. You will see from reading other Monument threads that they seem to be burying their heads particularly with CCA requests you just have to keep on at them because as I have told them I am right and they are 100% wrong and see you in court Monument if I have to

[Brad Smith]

sorry Dotty, I could be missing the point, but isn't that all you need?

[runnycustard]

What did you guys write on your court claim... I'll be using my claim online and it asks for info -

 

what sort of info in 'particulars of claim'. do I just put:

 

Illegal Charges on Monument Credit Card. This company never sent statements for a year, ignored phone calls and terminated calls when asked why charges of £180 added to account, I asked can I pay installments, they said no and added more charges. sent 22 letters no response to any.

 

or is is more technical stuff! new to court stuff so rather nervous!

[Dotty111]

sorry Dotty, I could be missing the point, but isn't that all you need?

 

No the S.A.R. specifically requests a "list of transactions and charges" now I know that on my account they have been charging me around £20/25 per month "payment break" I know for a fact that I never signed/agreed to this and want to claim it back. It should also show the interest paid and I know for a fact that my account has now been transfered to a DCA the request asks for details of any manual intervention this has not been shown. Finally the list of charges they have sent me ends in Decemver 2006 and i know for a fact (they have still been sending me statements) further charges have been added since then. Be very careful to check the details that they send you because from reading round on the forum some CCC have been missing of information and charges that people know have been added ie they have kept some old statements. They need to comply fully with your request not just send you what they want you to see. You are entitled to see ALL information about your account.

[PaulW922]

What did you guys write on your court claim... I'll be using my claim online and it asks for info -

 

what sort of info in 'particulars of claim'. do I just put:

 

Illegal Charges on Monument Credit Card. This company never sent statements for a year, ignored phone calls and terminated calls when asked why charges of £180 added to account, I asked can I pay installments, they said no and added more charges. sent 22 letters no response to any.

 

or is is more technical stuff! new to court stuff so rather nervous!

 

There is full guidance elsewhere here but all that is relevant is that they charged you. Nothing else.

 

You should say that charges of £180 have been applied which you believe are in excess of the true cost to Monument for managing the breach of your agreement with them, contrary to the Unfair Terms in Consumer Credit Regulations 1999.

 

The charges are not illegal, they are unlawful.

[runnycustard]

Hi

I've sent this now... not the wording in my earlier post but I finally found a template to use which had far better wording than me!!

 

I got a letter yesterday and it does list the court as Nottingham but I've heard on the grapevine that if I do have to attend court I can apply for one in London.

 

thanks for your help