Roxy v B,card refusing offer ***WON***

[princess roxy]

Hi ive just received (after 1st letter) an offer from B,card for £150,of the £427 that im claiming, they have put this into my account,but the letter does not say full and final settlement. However i want to accept this as part payment only and continue with my claim against them. what should i say in my letter to them. thanks Roxy.

[princess roxy]

Originally Posted by princess roxy

Hi ive just received (after 1st letter) an offer from B,card for £150,of the £427 that im claiming, they have put this into my account,but the letter does not say full and final settlement. However i want to accept this as part payment only and continue with my claim against them. what should i say in my letter to them. thanks Roxy

anyone able to help me here??

[pjdavies2000]

There is a rejection letter in lieu of receipt as partial payment in the templates library.

The link is here:

http://www.consumeractiongroup.co.uk...ng-offers.html

You need letter 1, plus changing the last para to the one in red.

Peter

[princess roxy]

thanks pj , exactly what i was after....Rox

[princess roxy]

had another letter from Bcard saying that their offer off £151 of a £627 claim is fair and that this is their final response , do i go through court and risk a stay (already got one for Barclays) or would it be safer going through the fos, thanks Roxy

[princess roxy]

bumpy......sorry

[mrmarmite]

fraid so. ignore what they given you already and take em to court for full amount (remember to add the 8% interest)

[princess roxy]

thanks mrmarmite this is the story so far , 6 years charges £427,.. offered £151,and taking it off overdraft , sent letter asking them for full amount, and to remove offer from my account if they dont. letter from bcard ,your charges actually come to £627 .??????? (on my statements can only find £427 ) but our offer of £151 is our final response. So would you agree MCOL for amount of £427 + interest, even if they dont remove their offer. and do i need to send another lba. just to clarify my position....Roxy

[sea-sidelady]

Yes, claim the full amount, regardless of the offer, you have requested them to remove it. If the dont, its not your problem.

Please read the link in my signature regarding mcol.

[slick132]

Hey Princess,

Having a look like you asked but I can see you're in good hands here already.

Slick

[mrmarmite]

as sea-side lady says go for full amount, if you have already sent the lba continue with court action. good luck, we will be here if need help on court bundles and stuff

[princess roxy]

thanks sea-sidelady and mrmarmite,will continue with MCOL, slick good to see you, keep an eye on this thread , one question , are particulars of claim on MCOL form same as bank charges but tweaked bit , or is there another version for credit cards........ thanks Roxy

[slick132]

Princess,

Sorry to butt in but wouldn't you be better going to local Court with Form N1 so you avoid the auto Stay which MCOL are imposing (or is it different with credit card chgs)

Slick

[princess roxy]

Originally Posted by slickwilly132

Princess,

Sorry to butt in but wouldn't you be better going to local Court with Form N1 so you avoid the auto Stay which MCOL are imposing (or is it different with credit card chgs)

Slick

hello again slick ,good to hear from you. iv just rang MCOL, and they are only putting stays on bank charge claims ,and not credit card claims. but in PoC must state that it is credit card company that you are issuing your case against............ anyone any PoCs for credit cards??? thanks Roxy

[sea-sidelady]

The poc in the templates is fine to use for credit cards.

[bluewillow07]

MCOL have just passed my claim onto my local court, just make sure you put B/Card on your form.

[mrmarmite]

yes make it VERY CLEAR that it a credit card, good thinkin bluewillow

[slick132]

Roxy,

So what POC's will you use and will they fit on MCOL claim.

I'd like to know cos I need to pay BC a little visit myself

[mrmarmite]

short and to the point,

just make sure it Barclay credit card, NOT barclay's bank, remember to include account number and enclose a copy of charges applied to the account,
this is one i used last and I quote:
-----------------------------------------------------------------------
"The Defendant Barclay's Bank (barclay credit card a/c: 23252435235) have been charging me, charges, that are contary to the unfair Consumer Contracts Regulations 1999 Schedule 2(e).

(add bit bout interest if you claiming 8% (just copy and paste details on mcol site)

I am also claiming the £10 fee as required for S.A.R under the Data Protection Act 1998"

end quote
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if this helps please click on my scales on bottom left side of this post. thankyou.

[princess roxy]

what is the registered address for barclaycard, is it the same as barclays bank, thank you Roxy