Thread: Reclaim Your Bank And Card Charges
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Old 24-10-2006, 13:20   #343
Scarlett
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Re: Reclaim Your Bank And Card Charges
Quote:
Originally Posted by Pia View Post
Scarlett, i took the amount of the charges from the statements, so i didn't think it mattered how they sent them as long as i had the records.
It doesn't If you have the statements for the period in question. I am aware that some people don't actually keep 6 years of bank statements and so might need to get this information out of the company in question. Barcleycard and others are hiding behind the microfich wall to try and avoid paying out money. As you only asked for the details of the charges made, even if you don't need them as you actually have all the charge details, they should still be provididng them.

Quote:
Originally Posted by Pia View Post
I thought the OFT had only said 'they won't get involved' for charges of £12 not £16
The Co in question believe that because they insist on a DD being setup for every card then they are immune from paying the charges back and even go so far as to imply that the OFT has agreed to this! Their excuse is that they use the money gained from the charges to pay the people to call us when _we_ fail to pay them.

As this does not cover the majority of my charges (all but 1 is an over limit charge) this IS going to court. However, they are apparently fighting every case at the moment it is yet to be seen what happens in open court because once a decision has gone one way or the other it will have a slight knock on for all subsequent cases. (and will certainly be cited) I may consider only going after the over limit charges as this is by far the stronger case (i.e. they do absolutly nothing except put a line on my bill) on the other hand, the worst the judge can do is to remove that part of my claim, I don't believe that it will invalidate my whole claim provided I keep the 2 section seperate in the court papers. I may be seeing a solicitor for a free 1 hour consultation on this, after all the Co. do advise that I seek independant legal advice before starting a court action.

---------- Post added at 13:20 ---------- Previous post was at 13:16 ----------

Quote:
Originally Posted by Mr Angry View Post
The OFT is not "happy" with £16.00 charges. They cannot force a non-disclosure on you as part of the settlement. I don't see why you just don't name "Company A". Someone may have prior experience of nailing them which could prove useful to you in bringing them to their senses. Additionally I think the OFT have a right to know that companies are now stating that they (the OFT) are happy with £16.00 charges.

Hold your nerve - unless you're talking hundreds of thousands in charges you are 99.99% certain not to see the inside of a court over this.
Actually this might see the court as the Co believe they are immune from court action. I will be submitting a complaint to the OFT on this. I am deliberatly not naming them so that I can state that I have acted in 'good faith' on that point. More brownie points from the Judge in case they try to bring it up. (I am now assuming that unless there is a massive change in the outstanding cases, this will reach court)
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