Should this be included in a letter to barclays?

[katchambers]

I have read peoples letters that they have been receiving from barclays, and common to most, if not all, of them is this paragraph:

When an account is opened with us, our customer is provided with a
copy on the T&C's relating to the use of their account including
details of our charges. This information clearly explains our
obligations to our customers, as well as their obligations to us. If
we make any changes to the T&C's we provide details of these to our
customes in line with the Banking Code. Details of or T&C's and
charging tariff can be obtained at any of our branches, or via our
internet site.

I wonder if anyone has any ideas as to whether we should mention something about the above in the letter we send them asking for our charges back.

For example we could pre-empt them by saying something along the lines of: I am fully aware that I was provided with T&Cs when I opened my account detailing your charges and I am aware of the obligations you have to your customers and my obligation to you. However, just because you state your charges in writing does not make them lawful and does not mean that you have not violated the aforementioned...codes, violations, legislations....not sure which word to use (this last bit is dependent on you mentioning case law and such in your letter of course).

That was just an idea, do you think it would be a good idea to include that in the letter where we ask for our charges to be refunded? Just thought it might be good to pre-empt them, and it would be interested if they still say that paragraph above or if they change it? I wonder if they have a template, probably.

kat

	The Banking Code Follow this link to read the Banking Code in full. Ofen ignored by its subscribers, half-heartedly monitored and poorly enforced

[richardc]

I would stick to the standard letter. Banks do not listen to arguement, no matter who well argued. They only react to pressure - follow the step by step guide.

[Rebel UK]

Hi kat,

Whatever their reply, treat it with the contempt it deserves, they don't care about you, only about your money and the fact they can steal it, any reply they send you is irrelevant unless it is to say they will give you your money back, ensure you state how long they have to comply, in your letter before action, then go through with the action, they are simply trying to delay you and put you off proceeding.

good luck.

Rebel

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[BankFodder]

If you look at the preliminary approach letter in the library it already does this and has done for some time.

Have you not read around the forum material??