Barclays AND barlaycard claim?

WeaselOfFury

Hi all..

I've been meaning to get around to doing something about this for some time. I'm currently a full time student and finances aren't really brilliant!

I've Probbaly been getting chraged silly fees for the last decade by both, hovering around the limit, being a student and/or unemployed through this period.

But what can I claim for? how long back can I claim? Where do I start?

I gather a letter to each one requesting all transactions is the first thing but how far back should I ask? (is there some limit to the period in which you can claim?)

Should I also open a bank account and an interest free card account in case they decide to close either or both?

Being barclays bank and barclaycard just how awkward are they going to be? what sort of underhand deviousness can I expect to deal with? Is there anything anyone can suggest to save time and hassle?

Time is not really an issue, I'd like to clear as much of my overdraft and card debt with this as possible, currently i barely manage to pay for fuel and living and pay off charges as well.

Thanks for reading!

natweststaffmember

On Barclaycard, try this link for a 9 day settlement
http://www.legalbeagles.info/forums/showthread.php?t=17444

With regards to Barclays current account there is the usual fees plus the £22.00 reserve fees and £8.00 fees. Please read the guide to reclaiming charges with regards to the bank account before your proceed. The Credit card claim will be easier.

Premier_2

WeaselOfFury wrote: »

...But what can I claim for? how long back can I claim? Where do I start?...

Hi WeaselOfFury and welcome to MSE. :hello:

If you've not already done so, have a read of the MSE guides to reclaiming credit card charges
http://www.moneysavingexpert.com/reclaim/credit-card-charges

and bank charges
http://www.moneysavingexpert.com/reclaim/bank-charges

Lots of good advice in there together with some sample/template letters.

WeaselOfFury

Hi,

Thanks for the replys
I did look through the stickys but will check them again..

The credit card letter looks very promising! I'll definitely give that a try.. does seem to be from last year.. hopefully they react the same way now.
I could probably really improve my situation by dumping the lot on a 0% credit card.

I'm happy to take my time with it, the more I can clear the better.

Bumear

natweststaffmember wrote: »

On Barclaycard, try this link for a 9 day settlement
http://www.legalbeagles.info/forums/showthread.php?t=17444


Has anyone else done this and got the same result?

I sent my first letter asking for charges at the begining of the month. I may just send this leter!

Bumear

Bumear wrote: »

natweststaffmember wrote: »

On Barclaycard, try this link for a 9 day settlement
http://www.legalbeagles.info/forums/showthread.php?t=17444


Has anyone else done this and got the same result?

I sent my first letter asking for charges at the begining of the month. I may just send this leter!

Im about to send off asking for my charges. Has anyone else succeeded through this letter?

natweststaffmember

Bumear wrote: »

Bumear wrote: »

Im about to send off asking for my charges. Has anyone else succeeded through this letter?

There are a few that went 9 days but a few that was more than 9 days but they did get it back.