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butwhy vs Barclaycard **WON**


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Hi All,

 

I have sent my prelim letter, received a partial settlement of £91, where my claim is for £247.

 

I then sent a rejection of settlement offer letter dated June 15th. Have just opened my statement yesterday (28/08/07) and it appears they have already credited the £91.

 

It is now 13 calendar days since I sent this rejection letter so what do i do now? send an LBA or go straight to filing a court claim?

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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okey doke, thanks!!

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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  • 2 weeks later...

Ok, so i sent my LBA to Barclaycard, after they had refunded me £91 out of a total of £247 which is owed to me and they have basically said they refuse to refund any more.

 

The response letter seems fairly generic and doesn't say much else other than the fact that I agreed to the terms and conditions and that the fees were charged to cover their costs.

 

SO... my next step is to file a claim. I have read on some of the sticky's that it isn't advised to complete this form online and instead to fill out a paper form and post this.

 

Can someone please advise me where to start with this, obtain the form etc. I'm a bit nervous about this part of the process as I didn't think it would really get to this point but still feel in principle that I should follow through.

 

Would really appreciate any pointers??

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Ok, thats great, thanks!

Another qq though, do i HAVE to claim for the Overdraft Interest and

Interest under s.69 County Courts Act 1984?

 

I'm not too fussed about this amount and would be more than happy to just receive the initial amount back. But in order to have a strong claim do I need to claim for this aswell?

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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As soon as you file a court claim, you automatically entitled to it.

 

If you filled the spreadsheet from this site, then it adds the 8% for you.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 1 year later...

Finally!!!

 

Over a year later and I have had all my credit card charges refunded! PLUS the interest.

 

I decided to go with the FOS and let them deal with all the hassle!

 

So in total i had approx £306 refunded back which is a result!

 

Thanks to all who helped!

 

(YAY!)

Edited by butwhy
incorrct amount

LLoyds TSB: £954.09 Sent LBA, refused to refund.

Lloyds TSB Credit Card: £392 - THEY REFUSE TO CANCEL THE CHARGES!!

 

Mis-sold PPI. Current figure is £814 including 8% interest.

 

BarclayCard: £306.12 - SETTLED IN FULL VIA FOS!

Abbey: £52 - No response yet. Sent LBA

NatWest: £30 - SETTLED IN FULL!

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Congratulations. :D

 

welldone.gif

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi ButWhy,

 

Great to hear you got it back, even after all this time.

 

Congratulations%5B1%5D.jpg

 

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