Credit Card Reclaiming Discussion

clanger69

Laini wrote: »

just rang Barclaycard and I will be receiving 639.91
originall charges 588.00
2 letters and a phone call over 8 weeks:j

Hi

have you received your money yet by means of a cheque or did they credit your account?

ed-xpert

dragonfly1977 wrote: »

Did you mean interest charged on your monthly statements??? If so, you can NOT reclaim this. The only interest you can reclaim is the 8% statutory interest that the court would award on your charges.

Thanks for your reply. I understand that now. In this case do i reject the original offer of £316 and again request the full sum of £980 OR accept the original offer and chase for the remainder, £664 ???? It may not matter either way but need to know the best way forward.

Many thanks in anticipation.

puffykat2000

Laini wrote: »

just rang Barclaycard and I will be receiving 639.91
originall charges 588.00
2 letters and a phone call over 8 weeks:j

Nice one Laini, although Barclaycard told me in response to my second letter they would let me know by 6 October, I've still not heard. Rung them this morning and got an idiot who said that they were only paying the "goodwill amount" and had written to me ages ago re this. When challenged and asked to write to me in response to my most recent letter he suddenly went quiet and said Oh yes we are still dealing and are waiting on another party to get back to us. I then asked who it was and he said another dept. I've asked them to get back to me before close of business today. Not a happy bunny!!!

dragonfly1977

ed-xpert wrote: »

Thanks for your reply. I understand that now. In this case do i reject the original offer of £316 and again request the full sum of £980 OR accept the original offer and chase for the remainder, £664 ???? It may not matter either way but need to know the best way forward.

Many thanks in anticipation.

It is personal choice and you should do what you feel most comfortable doing. I rejected my offer of £180 as my original claim was for £700+ and i felt this was a very low offer. My offer letter said that if i was to accept the £180 i needed to sign the settlement form which would close the claim, so if you do accept your offer of £316, make sure that you state that you are willing to accept this as part settlement only and do not sign the settlement form, just maybe write a letter explaining that you intend to claim the remainder via the courts or FOS.

I would again request the full £980 PLUS the 8% statutory interest (use the calculator on the reclaim page) because they will pay up every penny in the end.

Let me know how you get on

puffykat2000

:beer: :j Woo hoo, get in there!!! After two letters, one email and three phonecalls I have finally got back what was owed to me from Barclaycard. Spoke to a very nice lady called Carol at Barclaycard Customer Relations this morning - Carol I salute you, you are very good at customer relations - even when I was a bit shirty! Anyway Carol went away did calculations, rang me back within 15 mins and is arranging full refund + 8% immediately.

Capital One now to finish off. Can go to FOS next Tuesday as the 8 weeks will be up.....

Thanks Martin - you are a star!!!!!:T

sharalee99

iceland_viking wrote: »

Hi
Apologies for shortness of email......

sent letters, took it to MCOL, said they would defend, 5days later cheque arrived for full amount - £398!

Result:beer:

Always go MCOL, have settled every credit card within weeks going this route

Thanks:T

What is MCOL please?

pinknico

sharalee99 wrote: »

What is MCOL please?

Money claim on line. Martin describes the process in "reclaim credit card charges."

clanger69

puffykat2000 wrote: »

:beer: :j Woo hoo, get in there!!! After two letters, one email and three phonecalls I have finally got back what was owed to me from Barclaycard. Spoke to a very nice lady called Carol at Barclaycard Customer Relations this morning - Carol I salute you, you are very good at customer relations - even when I was a bit shirty! Anyway Carol went away did calculations, rang me back within 15 mins and is arranging full refund + 8% immediately.

Capital One now to finish off. Can go to FOS next Tuesday as the 8 weeks will be up.....

Thanks Martin - you are a star!!!!!:T

Hi Puffy

Did barclaycard say they will be sending you a cheque or crediting your account?

I'va a debt with them that is part of an IVA so am wondering is it worth pursuing if all they are goint to do is credit my debt with the refund?

Thanks in advance for any help from others on this one!

clanger69

I've also been sent a letter from my County Court telling me to fill in a form N244 and pay £75 to have my 'stay' lifted. I had previously sent a letter requesting this because my claim is for credit card charges and not bank account charges which they seem to have ignored.

Has anyone else had this letter, or has anyone wrote to their credit card provider first, and not been asked to pay the £75?

If i pay the £75 will i get this back when the claim is finally settled?

thanks in advance for any advise received.

welshspendthrift

HI
From reading these threads I was wondering if it is possible to reclaim charges from bank accounts and credit cards that are part of a completed IVA?

Not directly relating to charges but if an IVA is settled/ completed is the amount that was not repaid ( as agreed) still counted as default account? Am currently needing to review my mortgage as the fixed rate has ended and some of the accounts involved in completed IVA are still showing as default accounts on my credit file. Thanks for your help