Quote:
Originally Posted by handyman
One for Mr A
Went for £252 with Barclay card and £140 from I**a store card.
Barclaycard have offered the difference between what they charged and £12.00 on each charge which is £96.
I**a (name hidden as condition of acceptance is non disclosure) have corrected us and said we have been charged £244 and are offering £122 (50%) as a good will gesture.
Barclay card seem to be taking the mick but the the other one seems to be playing ball. Should I take it further with both?
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My advice is yes - go the whole hog. Your argument with Barclaycard is done & dusted in that they are proposing to levy the suggested OFT threshold charge of £12.00 in respect of each default. On the basis that their logic is founded on the OFT recommendation then simply write back to them advising them that you also have read the OFT recommendation and in particular Mr Fingleton's "Notes", point 4 wherein he states "The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold."
Invite Barclay card not to waste your time, nor indeed their time and resources, in playing "chicken" and advise them that you are quite prepared to go the county court route to recover the monies owed. It is also probably worthwhile your letting them know that as far as you are aware there is nothing in the way of a precedent having been set by them in respect of their having successfully defended their charge structures in court.
As for I**a you have two options.
1. Treat them the same as Barclay card.
2. Write to them (in crayon, using the hand you normally don't write with) advising them that you are an adult with a weekend alcohol dependancy who is in the habit of buying Swan Vesta matches as and when the notion might take you.
Good luck with both.
OB - check your emails, bitch!