Phil versus Barclays ***WON***

[Welshman]

Whilst I suspect that MCOL will have transferred everything to your local court, personally, I would send or take the schedule to the Court. Better safe than sorry later.

[perez30]

I handed in my AQ on the 1st Nov, does anyone know how long it takes before a court date is set or how long you generally have to wait before you hear something?

I've also been hit with a few more charges recently - can I add these on to my claim and if so can anyone help tell me how to do this?

Thanks

	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

[Welshman]

My Directions Hearing stae was sent to me about 10 days after the deadline for the AQ to be submitted.

You can amend your claim but it will cost you £35 (non refundable) and is likely to delay your case a little. Check with your court staff. They will have a better idea as to timescale.

	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

[corwood]

Hi Welshman

I'm just about to send my Subject Access Request letter off. I have 7 acounts with Barclays. Now do i have to send a cheque for £70 with my letter or just the standard £10??
Thank you

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Welshman]

No, £10 will do. Make sure you refer to all accounts in the S.A.R. letter. The information you are requesting is on you as a person not per account.

Good Luck

[perez30]

Hi,
I've been given a court date of 4th Jan and told that the hearing should take no longer than 15 minutes.

Can anyone advise if it's worth contacting Barclays to give them another chance to settle or should I just sit tight and await the big day?

[Welshman]

Hi Perez30.
I don't think it will do you any harm to try and settle. Keep the conversation simple.

Go to my thread and phone the number I've supplied or, alternatively, ring 0207 1165634. That number is normally manned by a lady called Temi.
She was the individual who was dealing with MY claim. She is very nice.

Basically, I phoned her to say that I had a Directions Hearing sheduled for the 21st of December and that I was going to be working away for two weeks. I asked if they were going to send me something within that period. If they were, they'd not be getting a reply until the 18th of December which would lead them to believe that I was not interested in a settlement.

She just asked my name and said that she'd phone me back soon. Well, within 10 minutes, she did, and she asked me what figure I was looking at. I had my up-to-date figure in front of me which included the 8% interest and Daily Interest up to that very day. Make sure you too have that figure with you when you phone.

She then said that she'd offer me £8 short of the full amount. That was good enough for me, and it was so close to Christmas that it was perfect timing. I see no reason why they won't settle with you. Phone in the morning so that they send the offer letter out that day. When it arrives, put a line through the confidentiality section (It's OK to do that). In order that you get your money back into your account before Christmas, find a fax machine and fax it back to them. In the Xmas post, it may not make it in time. It will take up to 48 hours for it to reappear into your account.

Good Luck and let me know how you get on.

	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.

[perez30]

Thanks for your advice Welshman.

I didn't have an opportunity to ring Temi before she rang me yesterday. After a short delay (they'd lost the schedule of charges so I had to e-mail them again!) Temi offered me (*almost) a full settlement! (*I'd miscalculated a few charges so I'll only be getting £2280 )

Temi has e-mailed me a settlement offer and once this has been received by Barclays I'm told that my account will be credited within 48 hours. Of course I'll be putting a line through the confidentiality statement.

But I've got to say - HAPPY DAYS!!!

Thanks to everyone that helped me. This site is invaluable to people like me who have little experience in such matters. I'm e-mailing the scanned settlement offer this morning and once the cash hits the bank I'll be making a donation.

Thanks again.

[chorlton1]

That's absolutely brilliant news!!!!!!!!!!!!!!!!!!!

[Welshman]

Excellent News. Thanks in advance for making a donation. The site can then grow and help others achieve what you and I have.

Will arrange your thread title be changed to ***WON***

[zootscoot]

Congratulations!!!!!!



Don't forget to fill out the survey

Enjoy your payout!

[TANZARELLI]

Well done Phil,

Don't you just love it when a plan comes together.

Tanz

[TANZARELLI]

Originally Posted by perez30

Thanks for your advice Welshman.

I didn't have an opportunity to ring Temi before she rang me yesterday. After a short delay (they'd lost the schedule of charges so I had to e-mail them again!) Temi offered me (*almost) a full settlement! (*I'd miscalculated a few charges so I'll only be getting £2280 )

Temi has e-mailed me a settlement offer and once this has been received by Barclays I'm told that my account will be credited within 48 hours. Of course I'll be putting a line through the confidentiality statement. (She told me 24 hrs and it was less than that)

But I've got to say - HAPPY DAYS!!!

Thanks to everyone that helped me. This site is invaluable to people like me who have little experience in such matters. I'm e-mailing the scanned settlement offer this morning and once the cash hits the bank I'll be making a donation.

Thanks again.

Tanz

[Sparkle Star]

=)

[mattayo]

FAO anyone reading this. I have just joined this forum and wish to start the ball rolling with regards to a claim against Barclays for excessive bank charges. Could anyone please tell me whom I should write to, at what address, and what I need to say in my letter. Many thanks in advance

	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.

[carpinjoy]

Hi All, Not Sure Where To Post This As It Is A Skycard Which Is Part Of Barclays So I Have Been Told, Will Some One Take A Look To See If It Is Enforceable, I Think It Is However Please Check.

[mattayo]

Originally Posted by mattayo

FAO anyone reading this. I have just joined this forum and wish to start the ball rolling with regards to a claim against Barclays for excessive bank charges. Could anyone please tell me whom I should write to, at what address, and what I need to say in my letter. Many thanks in advance

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