Barclaycard

mum2one

SirSaverOBE wrote: »

MUM2ONE - Thank you, I do feel a lot better now, both physically and about my court hearing ; )

Will I need T&Cs? This is the real sticking point for me, as I don't have them and Barclaycard seem to not want to send them to me. Maybe I should get them faxed to me at work, unless anyone out there has a spare copy or a weblink for the 1999 Barclaycard T&Cs.

I'll keep you posted. Hopefully they'll settle, then I get Monday off with NOOOOOO stresses involved ; )

Many thanks once again,

SirSaver

To be honest I wouldnt worry to much about the t+c, how many of us actually keep them, if it did go to court then the defence have to bring a set of documents that they intend to rely on and your get a copy of there file, may be in there.

Glad your felling better both ways, take care, if you need any help just shout (loudly thou) x

mum2one

dwjohnno81 wrote: »

hello again

just a quicky..... what happens if the charges you are claiming are more than what you owe on your credit card?

will they pay of te c/card and then send a cheque for the rest owed?

Hi
They pay the money on to the credit card, and any money left comes as a plus balance, so you have to spend it.

Cheryl

dwjohnno81

hey fellow peeps

just out of intrest what time scale is everyone experiancing reclaim c/c charges from barclaycard?

would be intresting to see

geoff1057

hi had another letter off Bcard saying that their offer of £151 from a claim of £670 is fair, and is their final response. of course i dont agree , so do i go to court ,with a risk of a stay ( case against Bcs already stayed) or would i be better off going through the FOS ? any info would be gratefully appreciated ,thank you Geoff

jasun

geoff,

Start proceedings voa MCOL, claim the lot plus interest and the £10 for statements if you paid that.

I've given BC over a week to reply to the default judgment, I think I'm going to issue the warrant later today. If you have the same luck that I have then they won't bother acknowledging your claim either, which should save time.

I don't know how they managed not to though, since they did get my list of charges and the claim forms from the court as I got 2 seperate communications back from them.

SirSaverOBE

WELL NOW!

Following various slightly stressed out pleas for help, and some WONDERFUL advice from several MSE members, regarding my Pre-Trial Review on Monday.

TTTTTTTT H H EEEEE Y Y
T H H E Y Y
T HHHH EEEEE Y
T H H E Y
T H H EEEEE Y


SSSSS EEEEE TTTTTT TTTTTT L EEEEEE DD
S E T T L E D D
SSSSS EEEEE T T L EEEEEE D D
S E T T L E D D
SSSSS EEEEE T T LLLLLLLLL EEEEEE DD


HOOOOOOOOOOOOOOOOOOOOORAH!

£733 that belongs to me whizzing its way soon.

I need to return a form agreeing to certain terms, which include not disclosing the terms of the settlement, which I will respect.

Letter going to County Court today


JUST ONE IMPORTANT NOTE! IF YOU GET MONEY BACK FROM BARCLAYCARD, YOU DON'T HAVE TO HAVE IT ADDED TO YOUR CARD. I stressed very firmly that I didn't want it on my account and that I was closing it (it is actually inactive and I told the legal rep this). If you give them a nominated bank account and details, they are obliged to pay it into that instead. Otherwise, they get the pleasure of you being a customer and potentially going back into the red and running up charges. Boooo!

Many thanks to everyone who helped me, particularly Mum2One & Sagaris. I am sorry if I have left anyone out, please don't take it personally - I just can't find everyone's details, as I am too excited!!!!

I will definitely be staying on this board and will try and help many more people get through this tough but wonderful experience.

I am going to treat myself and my lovely wife to a nice meal out somewhere tonight, and maybe lots of wine so I may be out of action tomorrow!

Best wishes,

Sir Saver OBE

SirSaverOBE

Ah! That jumble of letters in my post above should read 'they settled' in big letters! But the gist of the rest of it gives that away I guess.

EDINBURGH GLASS - thank you for your helpful advice too ; )

Sir Saver OBE

mum2one

:beer:

SirSaverOBE wrote: »

Ah! That jumble of letters in my post above should read 'they settled' in big letters! But the gist of the rest of it gives that away I guess.

EDINBURGH GLASS - thank you for your helpful advice too ; )

Sir Saver OBE

Thats absolutely brilliant news, you have a good time spending it.

x:beer:

BANKBANDIT_2

SirSaverOBE wrote: »

Ah! That jumble of letters in my post above should read 'they settled' in big letters! But the gist of the rest of it gives that away I guess.

EDINBURGH GLASS - thank you for your helpful advice too ; )

Sir Saver OBE

Hi and well done :T :T :T
can i please ask how long it took to get your money back from the date you took it to court
Thankyou for your help ive only just took them to court and was deemed served today
have a great time out with your wife:beer:

SirSaverOBE

Hi, BANKBANDIT!

I filed the claim online with MCOL on May 10th and they sent Acknowledgement of Service was sent on May 15th.

Barclaycard filed defence within a few days and Notice of Transfer of Proceedings to my local court was sent on June 22nd.

The notification of a Pre-Trial Review was sent on June 29th, with the hearing scheduled for September 10th (this monday), so that is the longest stage.

All in all then, exactly 3 months to get settlement. If I write to them tomorrow, then I should get the money within 10-14 days.

They will send letters to scare you first, then they will probably put SOME of the money on your card without asking you. I wrote twice demanding they took it off, which I would recommend you do, otherwise you could end up with a settlement on your card, but other people have then claimed the rest up to the full amount in court. Have a look what other people did too and go with what works best for you.

It seems that they don't always file defence, but if they do it is a standard response - don't worry about it. Keep pushing with Court proceedings. They should ultimately settle a couple of days before any hearing. Just stay focused and relax. ALWAYS STICK TO YOUR DATES AND DON'T GIVE AN INCH. Don't be put off by 'trial' or 'pre-trial review'. Remember, you are playing 'prosecution' - they are having to defend themselves, because they are very bad ; )

This forum helped me an awful lot - stick with it!

Sir Saver