Having spent a long time trawling this site and checking the process. I have previously issued Prelim letter & LBA. Rejected their partial settlement and now in the light of refusal to settle in full issued MCOL against Cap One - will keep you posted on progress. Barclaycard & First Direct settled at LBA stage ! OOps just noticed that the total claimed in the MCOL papers differs by 5 punds from my schedule - any advice how I should rectify this. Fingers too eager here.....

- I would accept their offer in partial settlement (use one of the templates on this site) and pursue them for the full amount. - see the step by stwp instructions. I have looked at the OFT document and it does not "recommend" a 12 pound charge as Barclaycard suggest. It states "we (OFT) do not propose at present to consider legal action where charges are set below 12 pounds". It goes on " a default charge is not fair simply because it is below 12 pounds. So Bcard certainly need to be challenged on their use of the word "recommended". As soon as i see the credit to my account I shall accept it but will be challenging their interpretation of the OFT report. Hope this helps.

Have been pursuing just 2 late payment charges from Bcard. Totalling 60 pounds. After Initial letter and LBA have now received a letter telling me they will settle this amount but their explanation as follows: "...Putting aside the fact that we disagree with your leagal analysis, as a gesture of goodwill and without admission of liability. I am prepared to credit your account with the difference between the charges that you have incurred and the 12 pound fee recommended by the OFT. This would amount to 24 pounds. However given the amount involved I have authorised a refund of the full amount." I am course pleased that b.card have taken this action and for the help from CAG. I will accept the offer. But I am not sure that the OFT recommended any specific sum. Did they ? Not sure I want them to get away with this interpretation if it is incorrect. Awaiting now HSBC response and RBS initial in the post on Tuesday .....

Having spent some time reading through lots of the posts of this site - i decided to approach Barclaycard as my first target. Small claim - they owe me 60 pounds. Sent my initial letter last week and today I had reply telling me they will update on their progress by 10 April ! I have responded as follows: Further to your acknowledgement received today. My letter of 6 March requested a full refund of charges applied to my Barclaycard account within 14 days. My initial letter also set out a reasonable timetable should you not be able or willing to comply. Your acknowledgement suggests I should wait for up to a further 28 days (until 10 April) for an update on progress in this matter. This is not acceptable. I shall work to my original timetable allowing you up to 20 March for your concrete proposals. 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 After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. Lets see what happens. RBS, HSBC, Egg, MBNA, Capital One all in my sights now.......

thanks for your responses - BT are not making any offer of compensation at all for this extended loss of service, if, as Buzby suggests there is a fixed tariff for compensation which is paid automatically they have so far not offered it.

the whole basis of my claim is the time lost - not the use made of the phone/bband service.

i have explained to them i understand that im on residential tariff but my claim is for my loss of time in dealing with the loss of phone and internet for 47 days (a substantial length of time). If I were an employee they tell me they would pay loss of earnings - so why so different because I am self employed ? I was on the phone to them literally every single day. It was a tortuous and slow process- but they truly dont seem to care ....

Total claim 1662 pounds, made up of: 32 line rental 42 bband rental 37 alarm monitoring charges 47 mobile phone credit ( one pound per day) 95 pounds access to internet cafes etc 1410 pounds my time at 30 per hour x 47 days - the extended problem meant having to do my social and work realted internet work at friends of internet cafe - the time "wasted" in this was much in excess of one hour perday.

Does anyone have experience of dealing with BT and their AFL (Actual Financial Loss) programme. I am a BT phone and broadband customer - was without a line due to a fault for a period of 47 days last year. Have claimed compensation based on my usual hourly rates ( I am self employed) - they tell me as im on a residential tariff I am unable to claim. They have paid 30 pounds towards mobile phone costs, and refunded rental costs for the period (generous !). A further 125 pounds has been offered in full and final settlement ( as a gesture of goodwill), i told them I would accept this sum as partial settlement but i was looking for a more generous offer. They have now given me 28 days to accept the 125 or it will be withdrawn - any ideas what I should do now ? thanks for any imput any of you have......

Newbie here ! - have been reading with interest the comments and results you guys have been making - should I expect that if I succeed in recovering charges that the bank will want to cease the relationship afterwards ?