• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • Please note that LegalBeagles is a public forum and the main areas are accessible to all, and as such, please take care your username or posts do not identify you. There is no need to post claim numbers, names or precise amounts to get support with your case. When uploading documents please ensure that you have properly redacted your personal details. Thank you.

Barclaycard Unfair Credit Card Charges reclaim rejected

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Barclaycard Unfair Credit Card Charges reclaim rejected

    Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over 240.

    All my charges were for 20 and a one-off charge of 40.

    In their letter they state that their charges of 12 are in line with their actual and estimated costs etc and are printed on back of statements each month.

    What next - do I reply mentioning the above statement and what I have been charged ?

    Thanks for any help
    Tags: None

  • #2
    Re: Barclaycard Unfair Credit Card Charges reclaim rejected

    Just to update on situation - I sent a reply to Barclaycard's previous response disagreeing with their findings.

    I have today received a reply stating that they now agree that my statements show incurred charge amounts of 20.00 and 40.00 but as they are more than 6 years old from my complaint, they are not obliged to consider redress of default charges. They also state that they would only look back to April 2008 when charges were 12.

    Has anyone else received the usual FOB off letter and if so what next ?

    Thank-you

    Comment


    • #3
      Re: Barclaycard Unfair Credit Card Charges reclaim rejected

      mmmm limitations will kick in now on credit card charges. The limitations date runs from 2006 really (ie so within 6 years of 2006 you could reclaim back to 2000). So if your charges were in 2008 and you haven't tried to reclaim them until 2014 you will be out of time for charges incurred pre 2008.

      The should though have stopped charging 20 odd charges in 2006 when the OFT stomped on them and they all reduced them down to 12. So were your 20 odd charges before 2006 ?


      ( I think I've made that sound more complicated than it needs to be sorry)
      Common Sense .... if in doubt, use it !

      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

      Comment


      • #4
        Re: Barclaycard Unfair Credit Card Charges reclaim rejected

        Originally posted by Amethyst View Post
        mmmm limitations will kick in now on credit card charges. The limitations date runs from 2006 really (ie so within 6 years of 2006 you could reclaim back to 2000). So if your charges were in 2008 and you haven't tried to reclaim them until 2014 you will be out of time for charges incurred pre 2008.

        The should though have stopped charging 20 odd charges in 2006 when the OFT stomped on them and they all reduced them down to 12. So were your 20 odd charges before 2006 ?


        ( I think I've made that sound more complicated than it needs to be sorry)
        Thanks for your reply Amethyst.

        No you have not made it sound complicated lol but I am now confused regarding time barring. I believed it was 6 years from discovery of complaint ?

        These charges only recently came to my notice due to PPI enquiry and receipt of some old 2005 - 2006 statements.

        So that's that then ?

        Comment

        View our Terms and Conditions

        LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

        If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


        If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

        Announcement

        Collapse
        No announcement yet.
        Loading...

        upgrade to vip

        Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

        only £15/yr

        Offers available. No subscription traps.

        sign up now



        Search and Compare fixed fee legal services and find a solicitor near you.

        Find a Law Firm


        Working...
        X