Young v Barclaycard

[slick132]

Hi Bev,

 

If their response was in reply to you Prelim Letter, send them your LBA now.

 

If the offer was in reply to your LBA, you should now file at court.

 

Did you actually send BC a CCA request and have they replied.

[slick132]

Hi Bev,

 

See how you get on with the claim - if the chgs clear the debt or nearly do so, no need to CCA them.

 

Also, send them a Rejection Letter from here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html . Select the one most appropriate for your case.

[slick132]

Good for you !

 

That was a poor offer by any standards. They may not be taking you very seriously because you let this slip, timewise.

 

Keep up the momentum now and you should get what you want in the end.

[slick132]

Hi Bev,

 

I'd write to BC and ask for a breakdown of the figure they are offering to repay as you cannot see how they arrive at their figures.

 

Say you'd like to negotiate a settlement and are prepared to postpone filing at court until 14 days from the date of THIS letter.

 

You can't really negotiate on the 8% int't as it's not due until you file at court. Be aware however that BC have been offering to repay chgs + 8% when really they are offering a flat 8% without reference to the chg dates, thus given a far lower int't figure.

 

If they don't reply within 14 days, file at court, after updating your SOC and including the 8% int't.