Mossysue v Barclays **WON**

[mossysue]

i am about to make a claim for £3155 -it is a huge amount and i am worried they will want to go all the way to court. have others had success with this kind of amount?have any patterns emerged regarding thresholds over which they become really awkward.

[Docubot]

3k is bugger all to a bank. In fact they will have earned at least that amount by the time I finish typing this.

They do not care about the monet - they have so much of it it really doesn't matter to them.

I took on Abbey for 1700 my partner for 3200 - they coughed both times.

[BankFodder]

If you are worried, then make sure that you read around all of the forum material. Understand the issues and what you would argue if it went to court.
It should give you some confidence.

[kaznelson]

My charges total £3015 and I've just rejected their offer of 50% refund. They have got until the 17th March or I will be proceeding with my Claim.

Like Dave said its a drop in the ocean to them.

[mossysue]

have sent first letter requesting repayment. i have sent it registered post, so presumably they will get it....?....
in the meantime, they are busy charging me more excessive charges (usual case of cashflow problems). looks like i'll have to start again after this claim!

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[Bookworm]

That's ok, if they have nothing better to do... And maybe, just maybe, they'll pay up easier the 2nd or 3rd time, as they realise you mean business.

[mossysue]

have received letter today saying ..sorry about level of service...will let you know no later than 19th april - do i stick to my 14 day deadline, and then send second letter or what/ they have included a leaflet on how to complain, but it doesn't seem relevant

[BankFodder]

Yes, stick to your deadlines.
be rigorous about doing what you say you will do.

[mossysue]

i have sent my letter to my branch -customer services. is that ok?not to the address you have given at head office...

[mossysue]

i sent my first letter, and have only received a leaflet with a letter telling me how to make a complaint. i am about to send out my second letter, on monday, to the customer relations dept at my branch,moorgate. i don't have a personal name here. shall i just send out the second letter and await their reply?

[richardc]

Just address it to the Bank. You don't need a name.

[mossysue]

sent second letter to barclays yesterday.....

[mossysue]

second letter sent yesterday... heres hoping for some barclays action soon

[mossysue]

apologising for delay... thank me for my patience....whilst they continue investigations. as soon as second 14 day period is up i will pursue my claim regardless. the letter came from head office customer relations -have others received this?

[mossysue]

no reply after 14 days of sending second letter -looks like i must file my claim.

File that claim and Good luck!

[mossysue]

i am now filling the form for moneyclaim - do i use the barclays head office address at churchill place?
anyone know,
thanks

[mossysue]

have i made a horrible mistake?
i am now making a claim to recoup bank charges and think i might have made an erroneous calculation. my charges amount to £3195, and calculated on your spreadsheet, the interest amounts to £629.19.
so I merrily sent the letter to the bank asking for the refund(using the template) i am very very bad at maths , and reading up now, I do not understand the 8% additional interest.
so, correct me, i am claiming a refund of £3195,
now, with moneyclaim. i claim £3195 plus £629? is there more interest?
can i also ask what the particulars of my claim are.... is it simply " claim back money from bank etc
help!

does the interest keep accumulating as time goes by?

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	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.

[Alleycat]

Hi,

Its when you complete the Moneyclaim bit that you add on the 8% interest as calculated on the spreadsheet. So the total bank charges, plus whatever the 8% interest is.

Good luck and keep us posted!

Edit: Sorry I think I misuderstood! Do you mean at what date do you calculate the 8% interest up to? If so, I assume the date you file the moneyclaim. Not sure about whether it would continue to add up whilst waiting for a court date. I'll leave that to someone more experienced!

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

	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.

[mossysue]

have filed claim today..... slightly nervous, and for some reason cannot post claim onto litigation section although i want to. if any body can help.
claiming for total of £3824 inc court fees.
wish me luck...!