darrenLH1977 vs Barclaycard

[darrenLH1977]

Hello,

 

I had a Barclaycard opened when I became a student in 1995, then in 2003 I couldn't keep up with payments and went on a payment plan of £20 a month, until I came back under my credit limit of £400. Since than I haven't had the use of credit and have just been paying off money, but the earlier this year I couldn't affor the minimum payments, and having heard about this site I decided to look over my old statements (forget what they say about bin your statment, keep your love letters), so I looked at the statement since the beginning of 2003 up until May 2006, and it turned out that the charges came to £400, and my balance was £400. So on the 22/6 I called Barclaycard and asked for £400 of fees to be refunded. A chap called Peter said he'd order copies of the statements and get back to me. I have called back one a week for the last five weeks, during which time I have been charged £40 and had a letter from Mercers telling me that if I pay £27 they'll credit me with £15 [how very generous Mercers, with all this generousity you are spoiling me].

 

So after letting Peter investigate, and getting no where I called Mercers, to ask if they had brought the debt from Barclaycard, or if the investigation had been successful and they were going to refund the difference. Alas the girl at Mercers said they will not refund anything, what payment arrangement do I want to agree. I said I'll call her back once I see some documentation that shows I have signed an agreement with Mercers.

 

So this morning I went to my county court and put in (free of charge because of the wonders of JSA) for £555 from Barclaycard. On past experience I estimate they will be served by 7/8/06. But considering that my current outstanding balance is £475, and I didn't have to pay the fee I don't see that I have anything to loose.

 

I will keep you up dated.

[Warms]

So.....what happened?!

[darrenLH1977]

They were served but haven't yet responded.

[Warms]

Fingers crossed for you

[darrenLH1977]

They never defended, I put in for judgment on 21st August, Judgment awarded on 31st August, they have until 30th Spetember before I can send in the bailiffs, although I spoke to a guy called Paul on Friday and he told me policy is to offer the difference on charges (£8 in every £20) as a first offer, then if you reject that to negotiate the rest, however in my case they handled it wrong and Legal and Complaince for Barclaycard is currently looking in to my case. It should be noted that if I can't get a payment from them tomorrow then they may not be able to get the CCJ removed.

[darrenLH1977]

Went into the bank yesterday and filed Warrant of Execution for £562.80. I gather the bailiffs will visit 1 Churchill Place by next Friday, Barclaycard have seven days to pay up from then. Although the clerk said they were expecting Barclaycard to apply for a set aside, they haven't had one so far (6 weeks after I requested judgment, and four weeks after it was awarded).

[darrenLH1977]

Spoke to Catherine Search, PA to Anthony Jenkins, CEO Barclaycard. She informed me that Barclaycard have paid up, the cheque has been sent to the court. I'm going to check to see if it has arrived tomorrow.

[skbuncks]

:)Sounds like congratulations may be in order:)

[darrenLH1977]

Warrant T00002074 was served to Barclaycard on 4th October 2006, payment was made to Bow County Court and will be sent to me by 18th October 2006, for months after I asked for £400 back in charges, now a cheque for £562.80 has been paid out, if they had given in on the 22nd June they could have saved themselves £162.80.