hi seasidelady, thanks for your help, i don`t think i put before that i have already sent a letter of refusal. the one i got the reply to was my lba. as they have said "this is our final reply" and with there being so much going on with the courts nowadays (which i don`t understand) i`m not sure what to do.

I have now received a letter back from barclay card. it says " blah blah blah,....... i have checked our records, and i can confirm that you have been charged fees totalling £946.33 since march 2003. in may we refunded £260.00 of these charges. blah blah blah........following publication of the report by the OFT. we believe our charges are valid and reasonable and as such we are not prepared to refund any further charges. i am sorry............ for the purposes of the ombudsman service you may regard this letter as our "final response" i am now wondering what i can/should do? could someone please advise me? phill.

hi all, received a letter back from b/c. referring me back to "our" terms and conditions and this included details of our charges. is this one of them standard letters? should i now send my lba? i have read through the lba and it seems geared towards banks, is there an lba for credit cards? i must admit that i am starting to get a little confused with all this, there is just so much info out there and it is like wading through a swamp. any help gratefully received. thank you. phill.

14 days up and i`ve had an offer of £260. sending letter of rejection now and see what happens. phill.

on my statements it says 27.9% plus i looked on the web site and on there it says the inital card (the one i`ve got) is the same 27.9%. the way i see it is; if i`m wrong they can take me to court. if they don`t pay it, i`ll take them to court. just have to wait and see.

first letter of request for money back sent yesterday £596 plus £350.33 contracual interest. 14 days to wait for foboff. thanks to vampiress for the spredsheet and all the other people who have helped so far.

hi again chezt. that is great thank you and a fantastic help get this all posted tomorrow and wait to see. phill.

thanks chezt, mine is the bc initial it says it is 27.9%, so would this be the one i would use?

i think so yes. i only ever borrowed £250 back in 2003 but have been paying them back ever since. ok this is my own fault for being in so much finantial difficulty over the years. i would like some of the money back that i have paid them over the odds. i`ve got a number of figures on my statments. purchase annual rate 27.9% cash annual rate 27.9% and interest on your standard balance 2.075% not that i understand what any of this means!!

hi all, i am trying to find out what interest barclaycard charged me so i can use the spredsheet. could anyone tell me how to find it please?

hi all, sorry to bother you. i am trying to work out what interest to charge bc, how do i know what rate they have charged me so i can use vamps spredsheet?

hi folks, rite i`ve now got all the statements back and am ready to claim my money back. what would be a reasonable amount of compensation to ask for back? is there a standard amount? i`ve been told 6% is what most people are asking for. i seem to remember something about also being able to make bc take my name off a bad credit register, is this true? thanks for any help. phill.

thank you mumofthreeboys

hi all, my 40 days are now up and i have not received all my statements, the usual microfiche delay tactic. i am now not sure what i should do. i have seen some stuff about going to court about non compliance, is this what i should do next or can i just estimate from the statements i already have? any help would be appreciated.

i have sent my first letter off today. just got to wait the 40 days now

Let me start by saying hi to you all This is my first post here so I hope i have got it rite The story so far!! I got a credit card from barclays about 5 yrs ago. The credit limit was £250 of which i spent £225. Since then I have had a lot of money problems. Being a self employed dj I sometimes find it very difficult to go to work, I suffer from severe depression and panic attacks and so am unable to leave the safety of my home when i am quite bad with it. Since having the credit card I have ended up with numerous charges and fines for late or none payment etc from the credit card company. I have spent the initial £225 yes, but I have paid back over the years a considerable amount more. I do not know exactly how much but one thing I do know is that it is well past the amount borrowed and what i consider to be a fair amount more that i have paid back. Recently the credit card company took £200 pounds out of a savings account that I have with barclays, money that I had put aside for my tax bill. They only informed me after they had done it. When i spoke to the bank they said there was nothing I could do because it was perfectly legal. The bill still stands at over £400 Is all this legal? Do they have a rite to keep charging me forever more? Is there a cap on what they can charge me for an initial borrowing of £225 and never any more than that? I feel so angry about it, it`s like i am being [edit] and can do nothing about it Has anyone got any advice on what i can or should do? I can not pay off the credit card in full due to a lack of funds. Any help or advice gratefully received. Thanks. phill.