@barclaycard FCC's BC charges ***WON*** with compound int't

[FCC]

Have received confirmation that they are investigating my complaint?? and will be in touch.

[slick132]

HI FCC,

 

Don't bother waiting for BC to investigate.

 

If they fail to refund your charges within the 14 days you have given them, take the next step.

 

Prelim Claim Letter; LBA; File your court claim on form N1.

 

[FCC]

Have sent the prelim claim letter, where do I find an example of an LBA? regards

[slick132]

Hi FCC,

 

The Prelim Letter is used again as your LBA, with the heading Letter Before Action.

 

I think you'll find this stated on the Prelim Letter template that's in the Templates Library - http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

 

[FCC]

Got it Slick - I should have gone to specsavers! Cheers

[FCC]

Today I have received their " response " to my claim for reclaim of charges. They are sorry that I feel that their charges are unfair and I should have known they were not. They confirm that no charges have ben applied with the last six years, I know I told them. It may help me to know that additional charges were not introduced until August 2001 and from August 2006 they were reduced to £12.00. So what are the charges on the statements I have from the year 2000. They only hold copies of statements for six years but I don't!. If I would like to talk to them I can telephone them. I haven't yet sent off the LBA. What now folks?

[ims21]

Hi FCC

 

So the long and the short of it is that they have said they are not paying.

 

LBA time I think

 

regards

 

ims

[FCC]

OK, as I am claiming on two accounts I take it I can enter both accounts onto the LBA?

[slick132]

Hi FCC,

 

As Ims says, get the LBA off to them now.

 

Yes, you can use one LBA for the 2 a/c's but specify the charges and interests totals for each a/c separately.

 

The same will apply to your court claim - you can use one claim form for the 2 a/c's but you must specify the charges and interest and totals separately and enclose a separate SoC for each a/c.

 

 

Do NOT take up their offer to talk to them - you'll learn nothing that's of any interest to you.

[FCC]

Thanks Slick - on it now. regards

[FCC]

Help!, I've gone to reprint the SS to go with the LBA and the date of claim has advanced to todays date but the number of days in the calculation remaims the same as when I first produced it back on 18/07/11. Can I overcome this?

[ims21]

Hi

 

Checking it out for you....back in a mo

 

ims

[ims21]

Which spreadsheet are you using?

 

ims

[FCC]

I assume the one that was shown to me in previous posts?

[ims21]

You said you are using MS Works as opposed to Excel? is that right?

 

Regards

 

ims

[FCC]

Yes

[ims21]

Hi

 

Might be a conflict between Excel & Works.

 

I'll knock up a spreadsheet for you this afternoon specifically for MS works and post it up here for you either late afternoon or early evening

 

Regards

 

ims

[FCC]

Thanks for your help. you're a pal. regards

[slick132]

Don't forget there's a spready linked in post #25 which should do the job.

 

At least, with the LBA, the timing is not critical. Better to do it correctly, a few days late, than get it off on time showing wrong figures.

 

[ims21]

Don't forget there's a spready linked in post #25 which should do the job.

 

At least, with the LBA, the timing is not critical. Better to do it correctly, a few days late, than get it off on time showing wrong figures.

 

 

Just tried that one in MS Works and it doesn't work. Hang in there FCC....I'm writing you a spreadie for MS Works now

 

Regards

 

ims

[FCC]

My thoughts exactly Slick and thanks to all for your invaluable help. Cheers

[ims21]

Hi FCC

 

Well, I'm sorry to say that MS works will not handle the automated calcs because it doesn't have the relevant functions in it to handle date manipulation. This is why you had trouble with the spreadsheets earlier on.

 

BUT ALL IS NOT LOST:-)

 

Go along to www.openoffice.org, download their office suite and install it. You will then have an office suite that is far more powerful than Works and is probably better than MS Office too. AND IT IS FREE!!!!

 

I've re-written the spreadsheet for you as an Open Office spreadsheet and I have attached it.

 

Download the sheet and save it to your PC. You will see that the file extension is currently .xls. You need to change those last three characters to .ods by renaming the sheet.

 

Then open the sheet in Open Office and amend your personal details in the blue section. Also change the APR to the one you want to use. Go the list section and list your payments. You only need to enter data in columns A, B and C...the rest of the calculations are done for you. The sheet is protected in various areas to protect the formulae so if you get a message that a cell is protected it means you are trying to change data in a protected cell.

 

You will then have a sheet that automatically updates each time you open it.

 

And you've got a great office suite to boot.

 

Regards

 

ims

 

CISheetOF.xls

[FCC]

Brilliant work ims. Thank you for taking the trouble, truly appreciated. cheers

[ims21]

You're welcome

 

As this is a re-write, please let me know if you have probs with the sheet and I'll sort it.

 

Regards

 

ims

[FCC]

No problems, it worked a treat. regards