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barcalycard issue, help please.


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my initial claim for a refund to barclaycard was £1069,70 (penalty charges of £397.70 and interest of £672)

 

i received reply from barclaycard telling me that their charges are fair but nevertheless, as a good will gesture they are crediting a refund of £336.

 

i sent them a letter telling them the following :

 

"Thank you for your letter dated 15/03/07 I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account totalling £1069.70

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My Request for Repayment letter dated 24 FEBRUARY 2007 indicates that you have 7 days to respond before I proceed to the next stage of my request . My deadline remains the same despite this offer.

 

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position."

 

 

they replied to me that their position remains the same and that they are not willing to settle for the full amount refund i am requesting.

 

i want to open a small claim, however i do not have a clue of how to do it.

 

Which amount do i enter in my claim : the full amount (penalties amount + interest ie £397.70 + £672 or only the penalties amount ie £397.70).

 

Help would be very much appreciated.

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If you've asked for the interest from the start then include it, if not then just claim the charges.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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since they refunded me £336 and my initial request was 1069,70, then when i go to court, i should claim for the remaining amount, ie 733.7.

 

Is that the right course to follow ?

 

advice appreciated.

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I'd say so, yes. Accept the smaller amount as partial settlement and pursue the rest.

Natwest - DPA sent / prelim sent http://www.consumeractiongroup.co.uk/forum/natwest-bank/75363-bump-crapwest.html#post656651

Barclaycard - DPA sent

MSDW - DPA sent

GE Capital - Prelim sent http://www.consumeractiongroup.co.uk/forum/store-cards/72853-mr-bump-frasercard.html#post629618

RBS bank - DPA sent

RBS card - DPA sent

Student Loans Co - pending

Egg - DPA pending http://www.consumeractiongroup.co.uk/forum/egg/79992-bump-humpty-dumpty.html#post707138

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