Barclaycard

kerri_gt

Same thing here - have just drafted letter to say I will accept the £219 as part payment and will accpet the remaining to total my claim without interest - otherwise i will go to court to persue full claim amount... fingers crossed!

Norfolk_Shot

Another question, i have this morning recieved my statements from old Barclaycard accounts, Visa and Mastercard.

I have noticed on each of them an "Out Of Order" Charge can anyone tell me what this is and is it reclaimable?

Interesting to note they also say in their letter that they are not obliged to give out information held on Microfiche....but they have in my case as a "Goodwill Gesture":rotfl:

Edinburghlass_2

Maybe you have been "out of order" and gone over your limit? :rotfl:

You can claim back late payment fees and overlimit fees!

I'll pop this into the Barclaycard thread in a minute and you might find the answer there.

ripski

Norfolk_Shot wrote: »

Another question, i have this morning recieved my statements from old Barclaycard accounts, Visa and Mastercard.

I have noticed on each of them an "Out Of Order" Charge can anyone tell me what this is and is it reclaimable?

Interesting to note they also say in their letter that they are not obliged to give out information held on Microfiche....but they have in my case as a "Goodwill Gesture":rotfl:

I would definately say it is a 'penalty charge for being Overlimit. It is an old fashioned term.
Many years ago I went into Nat west to take out money and was refused The elderly cashier very politely , coughed and whispered- 'Your account is out of order ' I looked bemused ' your account is not in order maam'
Still puzzled and obviuosly thick ( this was because I was sure that wage should have gone in etc.
'You are overdrawn and have no money' I got the point

Norfolk_Shot

Cheers Guys

mum2one

Norfolk_Shot wrote: »

Another question, i have this morning recieved my statements from old Barclaycard accounts, Visa and Mastercard.

I have noticed on each of them an "Out Of Order" Charge can anyone tell me what this is and is it reclaimable?

Interesting to note they also say in their letter that they are not obliged to give out information held on Microfiche....but they have in my case as a "Goodwill Gesture":rotfl:

Hi.

if its any help "out of order" charge, means its another excuse for the institute to charge you more money, could be youve gone over your limit, usually these charges are more expensive, but YES:j they are reclaimable, good luck with the claiming x

chrisbee_2

ripski wrote: »

Same position. Offer of £396 against a claim of £864. I think that you can only get the interest if you get to the Court stage
My letter sent
" I refer to the charges on my account of £864. I thank you for your prompt response and note your offer of crediting my account with £396
I am willing to accept this without predudice as a part payment only.
I write to inform you that I intend to pursue my claim for the remaining amount of £468
Should I have to commence litigation then I shall also claim this outstanding amount +statutory interest =£615 together with
the Court fees of £120 + Self litigation fees of £230. Thus a total of £965 will be incurred in the County Court
This is based on the Unfair Terms in the Consumer Contracts Regulations as I believe that these costs are unfair and not proportionate to your costs and therefore the Court will rule in my favour
I look forward to your response in 14 days as at this stage I am prepared to accept £468.
If this is not acceptable then I shall commence litigation for the amount of £ 965

Obviously your figures are slightly different but hopes this helps Dont forget to keep copies just in case To show that you have been reasonable and tried to negotiate

how did you work out the statutory interest ?? outstanding amount 468 + statutory interest = 615

Norfolk_Shot

Well having won against Lloyds and with a Nationwide Claim in at MCOL....i'm now sending off a letter asking Barclaycard for £800...i'll probably get the same stalling letters as everyone else.

This time i'm going to bring up Litigation fees as Ripski as done...firstly because they wound me up with their letter saying that they didn't have to give me the info off Microfiche it was down to their 'Goodwill'

Secondly because i'm fed up with the banking industry and all their stalling.

Thirdly because i'm bored pumping out the same letters and fancy a slightly different challenge

we_are_always_skint

ok - i am new to this so appologise now if this has been asked before...

i sent the letter to barclaycard to apply for my statements on thursday and received the statements today (tuesday) - wow i am amased after the trouble some of you have had, anyway...

i have worked out they owe me £460 but i still have a balance with them of just under £600... i have closed my account with barclaycard about a year ago as i was getting more and more charges and i decided with them i would pay them back at a minimal amount every month.

the question i want to know though is if i accept an offer from them does it have to go onto my old account as like you can see they owe me almost as much as i owe them, so if/when i get some money back from them i want to use it to make an offer to pay the account off, not have the money go into the account so i still owe them an amount as from past experience companys will lower the amount owed if you offer to pay it off in one go

anyone any idea's???

thanks

gavinr

Hi all

I had a court claim issued on 16/07 against Barclaycard, it is now 15 days later and they have no submitted an achknowledgement for my claim. Can i now ask for judgement by default or do i have to wait 28days?


Thanks in advance

gavin