AS v BARCLAYCARD LITIGATION STARTED

[TUTTSI]

Claim issued 1/1/2007
Claim No -7QZ00423
£700 Charges Interest £295.39 Total £995.39 + Court Fees £80
Total Claim = £1075.39

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[TANZARELLI]

Nice one DS or should I say AS,

Nice little wad for the new year. Happy days and Happy New Year.

TANZ

[TUTTSI]

Hi Tanz
Happy & Prosperous New Year to you as well,
Well spotted, AS is my husbands claims which I am doing for him.
Lets hope they all pay up without a fight!
Regards
DS

[TANZARELLI]

Originally Posted by dsilverstein

Hi Tanz
Happy & Prosperous New Year to you as well,
Well spotted, AS is my husbands claims which I am doing for him.
Lets hope they all pay up without a fight!
Regards
DS

I'm sure it wont be a problem, good luck again.

Tanz

[TUTTSI]

SETTLED, SETTLED, SETTLED.................. ........

The good news is that BARCLAYS have today sent a cheque in FULL payment of the claim. The court date was scheduled for August, but after I spoke to a nice guy in the litigation section ( he has since left) when they dealt with settlement of my claim they agreed to pay my hubbys claim earlier They also confirmed at that time they would not be attending court or doing any bundles. From the time they agreed to pay and they eventually sent the settlement letter it has taken 3 weeks to raise a cheque. Well the day came and as soon as the cheque clears a donation will be on it's way.

With special thanks to Tanz and Garyh for your help/
DS

[Macgirl]

Hey DS, was this with contractual interests too?

[TUTTSI]

Originally Posted by Macgirl

Hey DS, was this with contractual interests too?

Hi Macgirl
Yes it was! arround 16/18% depending what was on the statements!
What stage are you at and have you your own thread so that we can follow your progress.
ds

[Macgirl]

Great DS!

Well, I haven't started my claim yet. I have been reading the site for about 3 months now, and I will be starting with the process hopefully in the next couple of weeks. I've been moving house and all my things are in boxes so I have been waiting to unpack to see if i have my old statements and that way I can skip the S.A.R. step. But I will gladly let you know when I have my own thread, I will need all the help I can get.

Just out of curiosity, what spreadsheet did you use? Trying to get ready as best as I can here!

[TUTTSI]

I used Vamps spreadsheets from the template library. I just changed the amount of the % accordingly. Be carefull not to change the (SUMS) as everthing just calculates once you put a date and an amount it is all on automatic!!
Good luck with your claim and if you need any help just shout.
DS

[TUTTSI]

I just looked back on this claim and it was started on 1st Jan 2007 and the chq arrived on the 31st May 2007, so it took 6 months and ordinarilly he would not have been paid untill just prior to court date which in this case is scheduled for August 2007.
DS

[Macgirl]

Originally Posted by dsilverstein

I used Vamps spreadsheets from the template library. I just changed the amount of the % accordingly. Be carefull not to change the (SUMS) as everthing just calculates once you put a date and an amount it is all on automatic!!
Good luck with your claim and if you need any help just shout.
DS

I'm sorry to bother you with such silly things DS, but as I told you I'm trying to prepare the best I can. I looked at the Vamps spread****s and there were more than one, and I'm quite confuse about which is the right one (not knowing the difference between compound contractual interest and just contractual interest etc.). Out of them, which is the right one?
SIMPLE VERSION - choose to claim all or no bank interest
12 Throughout claim with contractual interest
OR
13 Throughout claim with compounded contractual interest
ADVANCED VERSION - estimate bank interest charged on penalties
15 Throughout claim with contractual interest
OR
16 Throughout claim with compounded contractual interest

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[jshtr3]

Hi macgirl, you really need to start a thread now. It will be better in the long run for you and those who want to help you. In anwer to your question, Simple Contractual interest calculates at the rate you eneter from the date you were charged. Compound works like this example
Charge £10
Interest £1
Interest next month paid on £11
It's how the credit cards charge you interest on money you borrow from them i.e. interest on interest!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[TUTTSI]

Originally Posted by Macgirl

I'm sorry to bother you with such silly things DS, but as I told you I'm trying to prepare the best I can. I looked at the Vamps spread****s and there were more than one, and I'm quite confuse about which is the right one (not knowing the difference between compound contractual interest and just contractual interest etc.). Out of them, which is the right one?
SIMPLE VERSION - choose to claim all or no bank interest
12 Throughout claim with contractual interest
OR
13 Throughout claim with compounded contractual interest
ADVANCED VERSION - estimate bank interest charged on penalties
15 Throughout claim with contractual interest
OR
16 Throughout claim with compounded contractual interest

I think Vamps sheets have been updated since I started doing them, so unless you are very confident with spreadies I would stick to the simple version, but changing the interest to the contractual rate. To do compound I found it was too difficult and I was happy enough with the amount of interest on the contractual rate.

I think that when you come to filling in the N1 form (POC) you will have to put a lot more information. I would keep it as simple as you can as the more complex matters are the more a judge may pick up on it and challenge you.

It is a good idea if you do start your own thread, but I must say I will always help you where I can.
Regards
ds

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.