Barclaycard AP Markers from 2010 **WON/REMOVAL/COMP/INTEREST**

[dx100uk]

have you a thread of your own on this abby?

[Abby1415]

I don't believe I did actually. (I've had a quick look).

[dx100uk]

do you want want to make one

and i'll move these posts over

tell us the full story there and i'll sort it.

dx

[Abby1415]

Please. It will help others more. Thank you.

[dx100uk]

I meant you do it

start a new thread

[slick132]

Hi Abby,

 

If you start a new thread saying "I have a BC story to share", we can then move your posts to it so your own new thread makes sense for others to read.

 

Use the link that DX posted in post #30 above.

 

[bazinga]

Time for an update.

 

The FOS adjudicator found in my favour, and Barclaycard, after initially refusing to refund the interest, have now agreed to do the following -

 

Default both accounts with effect from 1 November 2010

Refund all interest and charges on both accounts from 1 November 2010 and reduce the outstanding balances accordingly

Pay £100 compensation direct into my bank account.

 

I've accepted the offer in full and final settlement of my complaint and I'm very happy with the outcome.

 

My credit file should be updated within 28 days.

 

Thanks for all the help and advice from everyone who has contributed to this thread.

[dx100uk]

WOW that's is a very good result.

 

 

well done!!

 

 

dx

[bazinga]

Thank you very much !!

[slick132]

Hi Baz and thanks for the update.

 

This is a very good result/decision from the FOS.

 

And the adverse CRA markers will fall off in just 3 month's time - excellent.

 

:whoo:

 

[bazinga]

Just one final update on this one - Barclaycard have refunded a total of £5656.53 in interest and charges (including all default / late payment / over limit charges of £12).

 

The accounts will fall off my credit file within the next month and I'll finally have this paid off in around 3 years time, if not before.

 

Once again thank you to everyone for advice and assistance on this one, and proof that the system does work

[slick132]

Hi Bazinga,

 

Great result and thanks for updating us.

 

If you can manage any site donation, it'll be greatly appreciated.

 

[martin2006]

Excellent result Bazinga, would you be able to post a scan of the FOS ruling minus any personal info of course?

[bazinga]

Of course

[bazinga]

Hi Bazinga,

 

Great result and thanks for updating us.

 

If you can manage any site donation, it'll be greatly appreciated.

 

 

 

Will do

[bazinga]

Excellent result Bazinga, would you be able to post a scan of the FOS ruling minus any personal info of course?

 

Of course, let me work out how to do that and I'll post it up

[martin2006]

Scan it to yr computer or phone and upload it minus any indentifying info

 

Hit the upload link for instructions

[bazinga]

Apologies for delay in uploading this but please see attached.

 

Also just to confirm Barclaycard actually set the default date as 01/11/2010 which was earlier than FOS requested, which means these two accounts have now disappeared from my credit file.

Barclaycard.pdf

[dx100uk]

opps ive hidden it as you've not redacted it !!

 

 

dx

[slick132]

Hi DX,

 

No need to hide as this was a copy of the FOS letter to BC and OP's details are hidden.

 

I think it can re-posted.

 

[bazinga]

Try again

FOS Letter to Barclaycard.pdf