Court Next week! **ANOTHER BARCLAYS WON**

[Mervalous]

I will update this as I go, I have just asked for my last 6 years statements and can tell Im going to need a lot of highlighters!

I have had a few overdraft charges etc that have been around the £60 mark so this could be interesting.

Dates:
06/03/2006 - Statements ordered
10/03/2006 - Statements arrived: All on A4 sheets and only charge £5 for the lot
06/04/2006 - Sorry took ages to set up my new account, sent off 1st letter special delivery today. 14 days and counting. Forgot to say, charges just over £2000
08/04/2006 - Recieved letter to say sorry they are unhappy and my comments are being dealt with
12/04/2006 - Sent off Data Protection Act letter asking for information on manual interventions as I worked out my above amount from statements.
15/04/2006 - Recived cheque back and letter saying they are sorting out statements and that they dont know what manual intervention is
21/04/2006 - Sent of Letter before action, also sent off reply about the manual intervention explaining what it is.
09/05/2006 - claim started on moneyclaim
25/5/06 - Its been acknowledged

	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

	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]

Welcome, and well done.

Yes, do let us know how you get on.

[Mervalous]

Is it the bit that says paid referal 1 @ £20?

Also have another that says unpaids out 1 @ 30

[Bookworm]

Yes and yes.

[Mervalous]

Cool thanks, isnt that obvious on the printed statements, I am going to ahve a busy weekend with the highlighter I think!

[Mervalous]

Update

[Mervalous]

Seen all the mention of manual intervention, I just worked out all my charges on my account. Do I then need to check manual interventions as well with the Data Protection Act letter? Ive already sent off my first letter

[alanfromderby]

It is always worth doing - but there is no reason why you cannot commence the process for repayment immediately. The only time you will need the manual intervention evidence is if they decide to defend your claim in court.

[Mervalous]

another update

[Mervalous]

I read on here somewhere not to put the interest charges worked out (using the excel doc) in the first letter. was this correct? And do I then add them in for the notice Ill be taking court action letter?

Im reading it all but think I may have messed up on the interest payments now, which equal £458!

	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.

[Mervalous]

ok just found this in KrissyKrissy letter, so pretty sure I add on the interest using the excel doc in my 2nd letter whicch will be my notice of intended court claim.... right?

	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.

[Janet-M]

You do not add the interest until you are filing a claim in court .The letter before action informs them that if it goes that far that you will be claiming the interest.

	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

	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.

[Mervalous]

already started a claim but as advised Im going to send off a Data Protection Act letter to check for manual interventions, pretty sure I havent had any as all Ive ever had is go over drawn and the usual automatic fees and also the same for blocked or accepted D-debits

Anyway who do I make the £10 cheque payable to? Im guessing "Barclays Bank PLC"?

[Mervalous]

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.
As you may note I have already started a claim for the disproportionate penalties against me but would now like to confirm any manual interventions on my account as to make the process much easier for both you and myself should this reach the courts.


Hows that sound?

[Mervalous]

so 12 people looked and no one knows who to make the cheque payable to? I have looked around but its not mentioned and I want to get it sent off at lunchtime

[jim40031]

yes "Barclays Bank Plc"...Lets face it, they are the people that you are having to pay.

[Mervalous]

Yeah i was pretty sure, just wanted to make sure i had the name just right so they had no excuse to delay, wasnt sure on the PLC bit

[Bookworm]

Not too good, if you want me to be brutally honest.

From a form point of view, punctuation is a necessity.
From a sense point of view, 1 - you want THEM to confirm manual intervention. 2 - How is confirming manual intervention going to make things easier in court?

Finally, I've just had to go through all your posts to understand what's going on with your claim, and I notice you're starting a new thread every time you have a query, when it's all part of the one claim. Please don't do that, stay on one thread. I'm now going to have to go and join them all, which is time consuming.

[Mervalous]

Sorry about that, didnt realise to raise minor queries in the same thread

Oh well I've just gone and sent it off, I thought we HAD to ask them for manual interventions?

I doubt Ill have any anyway, well hope not as I've never had to deal with anyone its all just been slightly over my overdraft and get the charge and the standard letter in the post.

Oh and it will make it easier in court if they use it as a defense, nothing there that can affect the case but as I hadnt sent the letter off and its POSSIBLE to reach court before they give me any come back on my Data Protection Act, if they then used manual interventions as part of their defense I could maybe use what I put in the letter.

I dont think it should affect my claim though.

I just realised I should have noted that I did send the WHOLE Data Protection Act letter and only changed the end bit, it should probably seem better 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.

[Mervalous]

Just got my cheque and letter back saying they dont know what the Manual intervention is, pretty standard from what I have seen.

seeing as Ive already started my claim and I was only finding this out in case they used it for defense should I just ignore it? If they bring this up as a defence I can bring up the letter right?

Bank fodder do you need a scan of this letter?

PS they have said they will be supplying statements, well I already have them.