Morning slick, Thanks for the reply, does this sound ok to add? Dear Ms Nickolls, Dispute re Additions account Thank you for your letter dated xxxx. Please send me any document which shows that I applied for, or specifically agreed to, Additions status. If you cannot provide this, I trust you will agree to a full refund of the addittions fees as previously requested. I have enclosed an up to date schedule of charges i believe you took without my permission, totalling xxxx I will give you a further 14 days to reflect on this after which LBA etc etc Yours sincerely, cheers adrian p.s that was the spelling on the letter but i wouldn't be surprised if a barclays employee couldn't spell their own name

hi slick, The reply was from Kathryn Nickolls, Customer relations case manager. It says in the letter... At present your monthly account statements clearly state that your account is an additions account and that £11.50 is debited from your account each month. (no it aint, its £12.50). All statements issued since March 2000 have been clearly titled additions account (wrong again Oct 2003). In further support of the banks decision, our records state that you have utilised your additions overdraft facility of which the first £250 has been completely interest free. The remaining overdraft (also used) has incurred a preferential interest rate. Yea slick i wouldn't have been overdrawn if it wasn't for their charges in the 1st place. Thoughts on my next move? thanks Adrian

Just a quick update on this, I sent my schedule and letter on the 31st so the 14 days is up, got my lba ready but am reluctant to post as i received a reply crossed in the post from Barclays. Basically it says that i did use the additions account as i used the free overdraft up to £250, dont know why its taken me so long to notice on my statements etc etc. So i'm wordering if i should leave it until the end of the week especially as we had 2 bank holidays in between? Also the b's took another £12.50 on April 2nd when in their letter they stated that my account had been changed. Sorry to go on but another thing, i asked when my account was changed to which they replied with totally the wrong date and year in fact (i found out off my statements after). Looks like they just guessed the date and the fee because that was £11.50 in the letter also. They are totally clueless

Thanks slick, english wasn't my strongest subject at school Still trying to find out about when the additions fees were changed, had a scout about last night but couldn't find anything, would like to get everything in the post Monday morning if possible, cheers Adrian Edit, sorted 1st jan 09

This is the covering letter i'm going to send with the schedule, thoughts anyone? cheers Adrian Request for repayment of fees Dear Sir/Madam, SORT CODE: xxxxx ACCOUNT NUMBER: xxxxx My request I am writing to you concerning the above account and specifically relating to the 'Additions' fees you are levying on this account. I have tried to have this rectified at branch level, but the staff appear to be untrained or unable to deal with this matter. I am not aware that I had previously requested this 'service' from you and subsequently insist on its removal from my account. Please remove it immediately. I require ALL charges for such 'service' refunded immediately. Please note that I deem this account to be in dispute and request that no charges or interest be added to it until this matter is resolved. Finally, please take note that this issue is in no way related to any of the provisions set out in the current High Court “Unauthorised Overdraft Charges Court Action” and as such, will be dealt with separately. What I require I calculate that you have taken the total of xxxx I enclose a schedule of the fees which I am claiming with this letter. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully,

lol bookworm Thanks again slick and saintly, great help as always

Thanks again slick, i've got you. Next problem, i'm doing my schedule and have got statements up to Feb 07. I need to know what month the additions fees were changed to 12.50 any ideas anyone? someone who's just got their statements i guess, cheers adrian

Ok, Basically i've had 2 letters from Barclays asking for time etc etc. So after reading bazaars thread http://www.consumeractiongroup.co.uk/forum/barclays-bank/189031-barclays-additions-reclaiming-charges.html#post2062557 i'm going to use his letter and send it this week. Also i've since found out from statements that my account was changed in October 03, without my knowledge. Just wondering wether or not i should enclose a schedule of charges with the letter? And, F.A.O of slick i read on another thread you posted on that you should ask for 8% interest s69 i believe, is this right? Cheers guys Adrian

This is great, I'm ready to send my letter off requesting the additions fees are refunded, i'll be using this bazaar cheers. I found out from statements that my account was changed in october 03. Incedently, did you enclose a schedule of the charges with your letter? This is my thread, would be grateful if you could drop in for some advice http://www.consumeractiongroup.co.uk/forum/barclays-bank/184111-barclays-additions.html thanks adrian

Cheers, So after much reading up i'm assuming the simple way is you send a cca if nothings forthcoming then the account is in dispute, then you send a letter offering an f and f? What sort of percentage do people offer as an f and f? adrian

Thanks for the reply Clemma, I'll send my CCA request and get looking around the forum for some more info, slightly confused as to how this actually works, cheers adrian

Hi, I've ben reading with interest about wiping my credit card balance, just got a question regarding the CCA, my account is currently with Virgin but am i right in thinking that they have to produce a CCA from my original account with HFC? Also do i sign my CCA request? read somewhere not to, thanks guys

Cheers, here we go with round 4 then

Daft question, who do i request the credit agreement from if my balance has been transfered to another card company? The current company or the original lender? thanks

Thanks Slick, letter posted today, see what happens