twinkle v Barclays ***SETTLED IN FULL***

[twinkle]

Hi
My story so far is that my first letter went out to Barclays on the 1st April. I received the standard reply with a leaflet and a date of 6th May before any decisions would be made. My second letter went out on 14th April but I am a little nervous about how far they tend to go. Need some clarifying about my next step please. I will do this!

Have you read the FAQ's?

It says that after the LBA give them 14 days then claim in court for the return of unlawful fee's....

Unfortunatly you will most likely need to put in a court claim before they will pay up...

Just be brave!

	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

[Bookworm]

Welcome.

If your 2nd letter gave them 14 days, you have to wait it out.

Then you sue.
Well, unless they pay up first, of course, lol. That would just be mean otherwise.

Seriously. Stick to your deadline, not theirs. They will lead you all round the houses otherwises.

They might make a 1/2 price offer, Barclays seem to do that. It's up to you how you proceed from there. (Me, I'm a 100% kind of girl but that's just me, lol).

Keep us posted. Yes, you WILL do this. Read my signature, and learn as a mantra.

[twinkle]

Thanks for the advice and support! Onward and upward!

[twinkle]

Still waiting for reply from 2nd letter but it is early days. Just a query. In case I get their backs up too much is it worth opening another account somewhere? Has anyone had to do this? Thanks in advance

[Bovvered]

Originally Posted by twinkle

Still waiting for reply from 2nd letter but it is early days. Just a query. In case I get their backs up too much is it worth opening another account somewhere? Has anyone had to do this? Thanks in advance

Always a good idea to set up a parachute just in case

[coalfire]

As people keep telling me don't be scared. The worst they can do is loose you as a customer by shutting your account and thats how stupid they can be in the end you win as they don't get any more of your hard earned money.

[twinkle]

The next step for me is to file a claim. Do I need to calculate the 8% at this point and add it to my claim? Also (sorry for being a bit dumb!) do I make the claim through the Moneyclaim website? I want to make sure I get it right. Cheers

[kaznelson]

Yes work out your interest on the Excel Spreadsheet on the site

Add this to you claim & submit on the Moneyclaim site

	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.

[twinkle]

I'm a bit confused. I have sent my second letter via recorded delivery but have received no further reply from Barclays. Maybe I should bear in mind I hit two bank holiday (ha ha!) weekends in that time. Do I give them another couple of days and then file for claim or do I carry on regardless. I getting worried that I might be the one who loses. Any advice welcomed.

[alanfromderby]

Keep going - they have had lots of working days as well. It's not like it takes more than a few minutes to push a few buttons and give you your money back.

[dave]

I getting worried that I might be the one who loses. Any advice welcomed.

Well, for one thing - you must believe that what you are doing is right, therefore, a judge should follow the same.

It's already been indicated by a judge in a 'set-aside' hearing that the bank would lose.

Also, even, in the very unlikely event that you would lose, you are still only be liable for the costs that you've incurred already - unless you do something drastic, which is not very likely to jeopadise the court/case.

I imagine that if you are claiming for charges, that the bank would have taken more than the court costs from you in charges, probably in one hit - certainly for me the costs were less than Abbey were taking from me each month, so I had to weigh up the pros and cons.

	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

[twinkle]

Just a quick note to say that I filed a claim via moneyclaim on 5th May. I shall keep you posted with events

[twinkle]

Received a letter from Barclays stating that they are going to defend (now there's a surprise!) Has anyone won against them yet, I can't seem to find anything? Or are they just taking the long way out?

[Bookworm]

Search for posts by user slimliz30. I think it was a Woolwich case, which is own by barclays. 1k refunded.

[twinkle]

Just thought I would keep you updated. Received a letter stating that my claim has been moved to my local court and enclosed a allocation questionaire form to be returned by the 2nd July with a court fee. Their defence seems to be the same as some previous posts and does go on a bit!

There are a few questions if someone could help me with; do I add the further court fee to my overall claim? Is it worth waiting until nearer the date to send the form in, as I may get a call (I hope!) with the full amount or do I try and contact Mr Jeremiah himself and see what he has to offer as some people seemed to benefited from this action?

All help gratefully received. Thank you in advance!

[alanfromderby]

In all likelihood they are waiting to see if you return the court allocation form BEFORE they will start making offers.

[alanfromderby]

....and you don't need to add anything to your claim, the extra fee will be automatically added to the claim by the court. Just make sure that the bank pays the full amount, including this extra fee, in any settlement.

[twinkle]

Just another quick update. I returned my AQ on Friday with my fee. Now time to wait again. I'm hoping to get some reply from Barclays once they see I serious. Fingers crossed!

Just in case what should I be thinking about doing in the mean time? Any advice?

	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

[Matt925b]

Start thinking of what you are going to spend your money on!

Life is good!