Starting with Barclays and woolwich.

[jolufawo]

Thanks for this great site, requested statements last week thursday they arrived on saturday paid £5 for the pleasure. Sent off the initial request letter on saturday total charges over the last 2 years £285.
Will keep you posted.
Also sent off a woolwich claim for £960, an account that I stoppped using about a year ago because of the cycle of charges and going overdrawn.
Awaiting statements on my wife's account , that will definitely be in the £0,000's.
After that will start on an old TSB and Halifax account, as well as Capital one and Sainsbury's. Will start a credit card thread for those.

[jolufawo]

Just received an offer 0f £415 on charges of £960, will be going to court.

[jolufawo]

Today received an offer of £1100 for the £2629 woolwich claim.
Will be going straight to court. Have filed the first claim, I am awaiting a barclays response.
Has anyone got a result since refusing the 50% or initial offer?

[Yasmin]

Yes...They have refunded all of the£800+ charges they applied to my account. Still waiting for them to remove the default notice, applied soley due to a debit balance of unlawful charges on the account. They refunded the balance in 3 seperate amounts. First after initial telephone complaint. The next amount of£300 + following letter. Then one more letter....total refund. However more angery and concerned over default.

[jolufawo]

Today was the last day for Barclays to enter a defence on my first claim. Lo and behold at 10am they have entered one. I guess I now wait for details of their defence.
Anyone ahead of me in the queue know what happens from here on?

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[kaznelson]

In the next couple of days you will receive a copy of their Defence and an Allocation Questionnaire. You need to complete the Questionnaire and return to the Court with a further payment.

You will also receive notice that the case has been transferred to your local county court

Keep it up!

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[jolufawo]

Update: After sitting down waiting for a court date, decided to call KJ, who is a very nice maan and says he will speak to his bosses and get back to me re. my 2 claims, about 5K in total. I expect to hear from him within the next 2 days.

[jolufawo]

Got a reply from KJ, offering 3.5k of 5k. Those who have gone before, did you haggle?
Also can I insist they pay into a different account?

[Barry031261]

Hi jolufawo,

I am in a very similar position to you but do have a court date, 1st Sept.
I have also spoken to KJ just to try to speed up their withdrawal, and as of today I have not had a response.

But, if he does come back with any offer other than full settlement it will be very politely but firmly refused!

This is my money that they have stolen and I have every intention of recovering the whole amount. Because I now have a date for court the ball is very much in their court and it will just become a waiting game, and Im prepared to wait.

My advice to you would be to continue to be strong and do not give away your money. You have them right where they don't want to be. Don't let them off the hook!

Just my opinion,

Baz