Barclaycard Charges/Late Fees

[StripedTiger]

Hello Guys,

 

I'm having real trouble with Barclaycard, who bought the credit cards of Egg sometime in the last few years.

 

I'm presently in a DMP and paying back at a rate I can afford to,

however every month Barclaycard continue to add more interest/fees to the account because they claim the funds I send through my DMP (PayPlan) don't arrive until after the due date.

 

This means that my account which should be £58.98, instead sits at £104.43,

not a massive difference but this continues to climb every month, despite conversations with them about what's going on,

my forced home move (caused by a landlord divorce) and an assurance that fees/interest would be frozen to help this is still being added.

 

I have attempted a SAR before but this was returned to me without any explanation as to why,

and I imagine if it was successful it would clear the debt I presently have with Barclaycard freeing up the money to distribute among my other creditors.

 

Does anyone have any advice on what to do here,

 

PayPlan are suggesting I speak with Barclaycard directly but that feels like talking to a brick wall at times,

 

more so with their outsourced call centres seemingly trained in high level sarcasm.

[dx100uk]

time to get reclaiming

 

resend the SAR

 

dx

[StripedTiger]

Okay, I'll have to file the SAR after my move to ensure I get the responses, do you have any other suggestions in the mean while, I'd rather not have to deal with their attack dogs should they decided to throw them into play.

[dx100uk]

ignore them!

 

only the owner can do anything

 

dx

[StripedTiger]

Ah sorry, perhaps I didn't explain that right - Egg were who I originally had the card with, but Egg sold the credit to Barclaycard. This was before I was in trouble money wise.

[dx100uk]

no thats std.

 

why dont you CCA them and sar them

 

prob find theyhave no agreement anyhow

or the debt is mostly PENALTY charges & PPI?

 

when they fail the CCA

you can put the debt in dispute till they do!

 

dx

[slick132]

Hi ST,

 

If you're having Financial Difficulties, BC have a duty to help you, imposed by The Lending Code - http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

 

See Section 9 and, in particular, para 224 onwards.

 

Write to BC telling them they have failed to treat you in accordance with The Lending Code and you want them to refund all interest and charges added to the account from [whatever date you feel you were having] Financial Difficulty.

 

Tell them, if they fail to refund within 14 days, you will take further action including a formal complaint to the FOS and possible court action citing COB's - http://www.consumeractiongroup.co.uk/forum/content.php?834-Fair-Treatment-for-Credit-Card-Holders-and-Borrowers

 

If they fail to respond as required, we will help you reclaim all penalty charges added to the a/c plus interest.

 

If you don't have all your a/c statements, get them now using an SAR.

 

If you do have your statements, tell us roughly how much you've been charged in penalties and over what period of time.