Barclays Partner Finance / Clyesdale financial services reclaiming charges

[bungalbear]

Hi all

 

I need advice please

 

my dad had an agreement with barclays partner finance for nearly 3 years cleared it a week ago

 

i noticed from random letters he has racked up a few charges such as failed dd and late payment when he was having some difficulties,

my dad has just retired and i am looking to claim some money back for him

 

looking for advice on how i do this

 

i would need a statement off them first with all the detailed charges i know that but what letter do i need

 

any help would be appreciated as my dad has just retired and in ill health at 72

 

i am doing everything i can to help him as he has worked all his life and never claimed a penny back on anything

 

thanks in advance

[dx100uk]

sar

[slick132]

Hi BB,

 

Check through YD's papers to see if he has the 3 years' statements. If not, use the SAR from our Library.

 

As this is a Barclays Group bank loan, you can reclaim every penalty charge in full, plus restitutionary interest at maybe 24.9% or 29.9%.

 

What interest rate or APR applied to the loan.

 

You can use the Prelim Claim letter and LBA used for credit card cases but you must amend the wording to reflect this being a bank loan a/c.

 

[dx100uk]

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[bungalbear]

hi

 

thanks for your advice, had a statment off them today with the charges its less than i thought but every little helps i have attached a copy of what they sent me so any advice on what i do next greatly appreciated

 

thanks very much

 

i missed the back of one page so added that now and amount is better

 

statements

 

hoping i did this right this time, so advice please on what i do next -thank you all in advance for all your help really appreciate it

[slick132]

Hi BB,

 

You need to list all the default charges on a Compound Interest spreadsheet. If you don't know the interest rate APR that applied to the a/c, claim restitutionary interest at 24.9%.

 

I would include all Unpaid DD/Cheque charges @ £20 and Default Sums @ £22.50. Make sure you don't claim for amounts they subsequently refund - eg 17/7/14 £40 refunded.

 

Send a Prelim Reclaim Letter to BPF or Barclays London HQ enclosing the spreadsheet showing charges and interest. The bank may refuse to repay until you make a court claim.

 

Post the spready here for checking first if you want.

 

[dx100uk]

pop every

 

 

unpaid DD fee

unpaid dd/cheque charge

default sum

unpaid DDR charge cr

arrs letter chrg

 

 

into this spreadsheet

each on its own row [date/description / charge cols]

put 24.9 in cell d 15

 

 

CISheet v101.xls

[bungalbear]

HI Thank you where do i get the spreadsheet and letter from thanks

[bungalbear]

got spreadsheet thanks just what letter do i sent do you have a template? thanks

[slick132]

Letter from our Library.

 

Adapt it to suit your claim - ie to reflect that this is not a Credit Card claim, but a claim for penalty charges on a bank loan.

 

[bungalbear]

can you give me the link please and done the spreadsheet will finish tomorrow thanks again

[slick132]

http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

This is a Self Help forum so you need to research other cases for examples. Ultimately it'll be you negotiating a settlement or attending court (unlikely) so you need to understand what you're doing.

 

There are plenty of *WON* BC cases here which give good guidance - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Edited May 5, 2015 by slick132

[bungalbear]

attac

 

unbelievable

 

 

received this letter today

 

 

saying they had made a mistake and

sent a cheque for exactly what they charged with interest only

 

 

asked for a statement..

.then got this .

 

 

.wonder if they knew i was going to challenge it for my dad.

..hmmm intersting however my dad well pleased..

 

 

.thanks for your help

[slick132]

Hi BB,

 

Your doc't posted above is too small to see. It needs to be loaded as a PDF doc't.

 

Or you can just say approx what they've refunded for the charges, and for interest on top.

 

They've probably done this to avoid paying compound interest in restitution.

 

Our forum is open for all to read including banks, DCA's, etc so it could be that they knew what you were planning.

 

If you're happy with the refund, that's a great result for you and YD.