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Hello
First a little context. Back in the spring my debt problems became unsustainable. I found sites like these to get hints and tips in a effort to bargin with my creditors, token payments that sort of thing. I noticed that it might be possible to claim back some money but I was so focused on getting them on side I thought it was pie in the sky and didnt really want to antagonise them. So I continued to try and get my creditors to understand my situation and help me out. However none of them would bite. It all came to a head when Mercers acting on behalf of Barclaycard sent a doorstep collector to my parents house where I am living demanding the full balance, which freaked me out somewhat!
Fast forward a few months and things are very different. My family have been brilliant and have been helping me out, paying off two of the cards and and a bit off the third one. So mentally I am in a very different place!
I recently S.A.R'ed all three of my creditors and BarclayCard were the first to reply with statements going back to october 2003 (If I remember rightly the account was opened in July/August of that year). Nothing else was included I might add. I was quite shocked to realise that I have a total of £460 of Late Payment/Overlimt charges, mostly dating from 03/04/05, so I was hoping claw some of that back! The Card itself was fully paid off in October 2009, thus the balance is Zero.
So I thought that I would fire off a letter based on the template here. But I just wanted to ask about interest before I send it off. What should I be asking for? None? 8%? Higher? I have seen contractual rate mentioned in the template, is this the number that Barclaycard have been charging me? Or should I just let Barclaycard sort it as I have seen them with Tools and Angry&Informed.
In the mean time I going to read a bit more of other peoples experiences and the guides here.
Many Thanks! :beagle:
First a little context. Back in the spring my debt problems became unsustainable. I found sites like these to get hints and tips in a effort to bargin with my creditors, token payments that sort of thing. I noticed that it might be possible to claim back some money but I was so focused on getting them on side I thought it was pie in the sky and didnt really want to antagonise them. So I continued to try and get my creditors to understand my situation and help me out. However none of them would bite. It all came to a head when Mercers acting on behalf of Barclaycard sent a doorstep collector to my parents house where I am living demanding the full balance, which freaked me out somewhat!
Fast forward a few months and things are very different. My family have been brilliant and have been helping me out, paying off two of the cards and and a bit off the third one. So mentally I am in a very different place!
I recently S.A.R'ed all three of my creditors and BarclayCard were the first to reply with statements going back to october 2003 (If I remember rightly the account was opened in July/August of that year). Nothing else was included I might add. I was quite shocked to realise that I have a total of £460 of Late Payment/Overlimt charges, mostly dating from 03/04/05, so I was hoping claw some of that back! The Card itself was fully paid off in October 2009, thus the balance is Zero.
So I thought that I would fire off a letter based on the template here. But I just wanted to ask about interest before I send it off. What should I be asking for? None? 8%? Higher? I have seen contractual rate mentioned in the template, is this the number that Barclaycard have been charging me? Or should I just let Barclaycard sort it as I have seen them with Tools and Angry&Informed.
In the mean time I going to read a bit more of other peoples experiences and the guides here.
Many Thanks! :beagle:
)!
, next contestant please 
but the challenge is still open to anyone and I would be very happy to lose the title.
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