Hootie19 -v- Barclaycard

[Hootie19]

This is me taking on the might of Barclaycard on behalf of my husband.

 

We've got all the statements from June 2001 to date.

 

We've drawn up a list of the charges (£531.00)

 

And I know that the next step is to do the letter asking them to refund the charges, but I also have a feeling that there is a specific template letter for credit card companies as opposed to bank accounts.

 

I am, I'm afraid to admit, hopeless at finding stuff anywhere - in the house, in the car, online, in forums etc - and so I was wondering if someone could be kind enough to point me in the right direction, and if possible, mention the right address to write to. I've had a look at the addresses thread and my eyes glazed!

 

Many thanks (hoping this fight will be much easier than my own against Capital One - my god I've made that one hard for myself lol)

[Mamie]

Hi I think you just amend the letter for the banks but I found this link so try there.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

[Hootie19]

Thank you so much rae may. It's amazing to me just how helpful people will be on this forum - even to a klutz like me!

 

Letter done. I've just addressed it to the place I sent off for the statements. Does that sound right, or should I be using the Barclays Bank address in London that I saw mentioned in the addresses thread?

[moneyhelp]

I sent everything to Northhampton address.

[Hootie19]

Well, things are trotting along.

 

Prelim letter sent 6th July

 

Reply (dated 13th July) received 23rd July, offering the difference between what we claimed and the current £12 fee (183.00). (Due to no ink for the printer, we haven't written back yet).

 

Barclaycard statement received today with a credit of £183 on it.

 

Now, we haven't accepted this as a conclusion to the claim, so I suppose we now just write (having got ink cartridges today - yay!) and say thank you, we accept the £183 in part payment, but we still quite like the idea of claiming the remaining £384, thank you very much.

 

Cheeky beggars - suppose they thought we'd be grateful for any little thing.

 

(It was nice to see the Barclaycard balance below £1,000 though )

 

Watch this space

 

 

 

 

ETA: This is the letter we received

 

thank you for your recent letter, your details have been passed to me in order that I may respond in my capacity as Customer Relations Manager.

 

I am sorry you feel that charges you have incurred are unfair. We believe that our charges are both fair and transparent, and we make them clear in our Terms and Conditions, and on the reverse of every monthly statement.

 

In your correspondence you have outlined a legal argument which you say supports your view. As I am sure you will appreciate Barclaycard is aware of all the information you have drawn to our attention. I must inform you, however, that we disagree with your legal analysis.

 

Putting the above to one side, as a good will gesture, and without any admission of liability, I am prepared to credit your account with the difference between the charges that you have incurred and the current £12 fee. This would amount to £183.00.

 

The adjustment will be confirmed on your next statement.

 

May I take this opportunity to remind you that the best way to avoid similar charges in the future is to remain within you credit limit and ensure that your monthly payment reaches us with the required timeframe.

 

Should you have any further questions regarding this matter please do not hesitate to contact me. If my reply does not meet with your expectations you may ultimately be eligible to refer to the Financial Ombudsman Service. Further details of this service are available on request. If I have not heard from you within 8 weeks from the date of this letter, I will close my complaint file in accordance with our usual practice.

 

Yours sincerely

 

Leigh Hollas

Barclaycard Customer Services

 

 

 

Now - the offer isn't made in FULL AND FINAL settlement, nor are there conditions attached. So which of the rejection letters templated here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

should I used to write back.

 

I thought Letter 4, but will wait and hope to hear for sure, before sending it.

[moneyhelp]

Yes I would got for #4 as you want the whole lot, plus you give them permission to take it back and replace with a FULL settlement.

 

Don't be grateful for a 'little thing' go get it ALL back

 

Good luck!

[Hootie19]

Yes I would got for #4 as you want the whole lot, plus you give them permission to take it back and replace with a FULL settlement.

 

Don't be grateful for a 'little thing' go get it ALL back

 

Good luck!

 

Thanks moneyhelp. I sent the letter off recorded delivery this morning, but having now read the news about all current claims being put on hold, my heart's in my boots

 

Guess we can only keep our fingers crossed and wait until we hear the outcome.

[Hootie19]

Right, having accepted that all these claims were on hold until after the test case, I have now been told that it doesn't apply to credit cards.

 

In that case, we are in a position to be able to file the court stuff against Barclaycard.

 

Further to my last post, we got a letter back basically saying that the £183 is all you're getting, like it or lump it.

 

We've decided to lump it!!

 

However, I read on here somewhere that *some* institutions were having success in challenging the claims as there isn't enough information given on the printed out version of the court papers on MCOL, and that the papers now ought to be delivered to the court in person, as more information can be put on the printed out form.

 

Is this right, or am I misremembering stuff.

 

I really want to try and get this done today - too much procrastination already.

 

We are both off work this week, so can get to the nearest court (next town along) have just been paid (so can afford the £80 fee) and don't want to lose momentum.

 

Can anyone offer any advice please?

 

 

Edited to add: - what do I do on the court form about the £183 they've credited back to the account already?

 

Plus - in the help to fill out forms post

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

I'm a bit confused about the "value" section. I have so far put:

 

Charges - £531.00

Interest under s.69 of the County Courts Act 1984 - £135.99 (this is what is shown on the spreadsheet I downloaded from here and entered all the charges onto)

Court Fee - £80

 

so that's ok, I think. But it's the next bit I can't "get". Plus interest etc.

 

But interest is already added above! So is this to continue charging interest until the claim is settled? If so, can someone please spell out in really really little words how to work it out, as that post says something about overdraft interest, which obviously you don't have on a credit card.

 

Sorry to

(a) be so dim

and

(b) ramble on so much!

[moneyhelp]

Seems no one has been able to help you so far.

 

Did you manage to get this sorted? if not post back and I'll see if I can help ok.