Barclaycard Charges

[roffster]

Hi all experts out there. I would like some advice please?
I recently made a successful claim against barclaycard for unfair credit card charges totaling about £1000. Unfortunately I had some problems a few years ago and fell behind with payments on that card and it was passed to 1st Credit. I got back on my feet and agreed a full and final settlement with 1st Credit in 2008 and have the letter confirming this.
My problem is that Barclaycard insist that they have 'credited' my refund to my account with 1st Credit. 1st Credit say they have no credit from Barclaycard and that the account was satisfied.
These charges were accepted as being unfair, they contributed to my financial problems at the time and Barclaycard agreed to refund them. Surely it is illegal for either barclaycard or 1st Credit to hold money that belongs to me against an account that has been satisfied?
What should I do next? I want to write to 1st Credit and Barclaycard threatening them with something as I can't believe they are not acting illegally. Would the FOS be the best route or should I persevere with the companies directly?
Many thanks


Read more at: Barclaycard Charges refunded - Legal Beagles Consumer Forum

[WendyB]

Re: Barclaycard Charges

If you didn't actually clear your full balance in the first place, then you didn't really pay the charges, so there is no way they will give you the money back, as you hadn't paid it in the first place. If there was still a balance now, they wouldn't refund the charges to you, they would offset them against the balance outstanding on the account.

How much was the original (presumably defaulted) balance, and how much was the settlement?

[roffster]

Re: Barclaycard Charges

Hi,
Barclaycard have confirmed that they have refunded the charges and transferred the credit to my account with 1st Credit who they sold the debt to. I owed about £1800 and 1st credit accepted £1500 as a full and final settlement which I have the confirmation of the matter being satisfied and my account closed. I got almost £1000 awarded by Barclaycard so even if 1st Credit were justified in keeping anything I would still be owed about £600. It must be illegal for either company to hold my money, remember that Barclaycard have accepted my complaint and agreed to pay back the money.