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6th June 2009 18:09 #1
I pay be DD but they aren't taking enough?
Hi All
Not sure if anyone can help with this one - but I've just had my Barclaycard statement today and checked it for the first time in ages. Looks like they are charging me loads of overlimit charges even though they take payment by DD and can't take whatever they need to from the account....
Anybody else had this, and if so how did you resolve it?
Thanks
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6th June 2009 18:09 # ADS
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6th June 2009 20:01 #2Gold Account Holder
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Cagger since Aug 2006
I am in decipherable like some of my credit agreements
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Re: I pay be DD but they aren't taking enough?
If the DD amounts are not correct then you need to either a) Ring barclaycard and advise them the minimum payments are not clearing the overlimit amount+normal payment or b) Make a one off payment to get back underlimit
Then you need to total up all the charges they have given you and start a reclaim for these amounts
S.
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6th June 2009 22:21 #3
Re: I pay be DD but they aren't taking enough?
Cheers Shadow
Will make the payment first thing Monday - and I'm drafting my claim letter right now !
Thanks
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6th June 2009 22:33 #4Gold Account Holder
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7th June 2009 00:54 #5
Re: I pay be DD but they aren't taking enough?
Hi Popye,
Don't be put off by anything BC say about partial rep't of their charges.
They are unlawful penalty and you can reclaim them in full. Use this template letter to reclaim your charges and enclose your SOC with it - http://www.consumerforums.com/resour...s/121-bookworm
Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial
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