Bookworm v Barclaycard ***she's only been and won it! :-D***

[caro]

LOL. I know what you mean. We have better things to do than teach these banks about the law.

[Bookworm]

Hmm, know what you mean... the lovely chap I have been chatting to seems under the impression that if we go to court, he'll be able to say to the judge that they have agreed to settle, but disagree about the interest, and will ask the judge to decide on that... I did mention that first, there would be the small matter of deciding on penalties, and that siince their defence doesn't argue against the interest at all, but just argues they're not penalties, they could have a wee problem there...

That reminds me, I need to update my spreadsheet, the numbers have changed again with all that faffing about. The way they go on about it, you'd think it's coming out of their own wallet!

	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.

[caro]

If I were you I'd consider requesting a wasted costs order as well Bookworm. I'm sure the judge won't be impressed by this behaviour.

[Bookworm]

What, for a case which had been dragging since March 2006? You think that would not be OTT?

[Bookworm]

Well, to paraphrase Jane Eyre:

"Reader, they didn't pay."

So, hiyo, hiyo, it's off to Court I go....

I shall report on my experience tomorrow as soon as I return. Send good thoughts my way.

[slick132]

Good luck Bookie and will send v positive vibes.

[Bookworm]

Thanks, Slickwil... Slick.

[caro]

I'll be thinking of you Bookie. I reckon you'll need that money after the CAG meet last night!

[saintly_1]

heading your way bookie

[HSBCrusher]

Just had a text message from booky....


she's only just gone and won!

[noomill060]

yay!!!!!

[Bookworm]

Well, hearing set for 11.00, young little thing (aren't barristers young these days? ) arrived at 10.55 and proceeded to drag me to an obsure corner, where she tried to barter me down again, same argument, we don't think your calculations are correct, interest too high. Ok then, said I yet again, tell me what the correct amountis, and I won't argue! She tried to up the amount a bit more. Didn't work, so she said she would go get the settlement letter then.

The fax machine had a long queue of people, so she couldn't get the letter in time for us to settle before we were called in, so we went in for about 2 mns, just to say that they were settling, and to ask the judge to adjourn in case of problems with settlement, which the judge agreed to.

Out again, she went and got the letter (I had reminded her not to try and enter a confidentiality clause!) and that was it.

Judge scared me a bit, though, because she started on "So, about staying this case..." WHAT? Thankfully, Miss Barrister informed her that actually no, they weren't applying for a stay, as credit card charges don't come under test case.

(I had half-expected them to try all the same, so had a folder-full of objections, OFT press releases etc to fight it!)

All done and dusted in a very short time, after months and months of prevarication, evasions, blocks and half-truths.

£756.29, and it shall be mine.

	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.

[caro]

£756.29, and it shall be mine.

Of course.

I wondered how come Crusher got a text and not me, got all indignant, then realised that my phone wasn't switched on.

[Movingon]

*sniff*

It's a beautiful, beautiful thing Bookie...

*wipes away a tear*

I wish I could have seen you sweeping aside the Solicitor's attempt at intimidation... (I'm assuming there was one?)

[HSBCrusher]

Originally Posted by caro

Of course.

I wondered how come Crusher got a text and not me, got all indignant, then realised that my phone wasn't switched on.

lol

[jailbird]

Well done Bookie

[slick132]

Great news Bookie,

Hearty Congrats to you.



SLICK(that's it !) lol

[saintly_1]

WTG Bookie

[Janet-M]

CONGRATULATIONS

I can't believe how long this claim took