Bookworm v Barclays - **SUCCESS**

[Yasmin]

Fantastic Congrats. on your win, Bookworm. Just read this, hopin' i'm as lucky real soon!!!

[Bookworm]

It's not luck, hun, it's justice.

[DunphTheRed]

hi bookworm

i have recentley joined the site and am eager to make my first step and begin the process of reclaiming my money back from Barclays.

as you are an example of success i wondered if you have any helpfull advice for me along the lines of what my first move should be.

thanks in advance

DunphTheRed

[jacquilottin]

Please please someone advise an dhelp me on how to proceed. Am so depressed i cant think straight. My case with Woolwich-Barclays is getting more complicated. Received a letter today that barclaya has filed in a defence and my case transfered to my local court in bromley. I find the wordings of their defence too complicated. Any help out there? am desperate. I an write out what their defence case is if need be. Thanks in advance. anxiously waiting for a reply

[Welshman]

Originally Posted by jacquilottin

Please please someone advise an dhelp me on how to proceed. Am so depressed i cant think straight. My case with Woolwich-Barclays is getting more complicated. Received a letter today that barclaya has filed in a defence and my case transfered to my local court in bromley. I find the wordings of their defence too complicated. Any help out there? am desperate. I an write out what their defence case is if need be. Thanks in advance. anxiously waiting for a reply

Take a look at #105 in my thread. It's got the defence they filed in my case. You should also keep your postings to your own thread. It makes it easier for us to follow it.

The link is with my signature under this post.

[jacquilottin]

hello, I am trying to find your link at No 105 as you said. its very hard for a beginner like me with very basic computer skills so am unsure how to keep a thread. don't even understand what a thread is. some advice would be much appreciated. will now struggle to find the directions you've given me. thanks. Jacqui

[give_me_it_back]

Hi Jacqui. Don't worry - you'll soon pick up the site. The numbers (eg 105) mentioned can be seen at the top right habd corner of each 'post' (these boxes of messages. This is number 127 (it says 'permalink' beside it).

A 'thread' is each of these complete stories. Eg - this 'thread' (story) is called "Bookworm v Barclays". You will be able to start your own thread - call it Jacquilottin v Woolwich or something similar. You use that to keep us all up to date with what is happening with your story - eg - every letter you receive/send etc. We can then give you help as we can see the full story.

Regarding your concern about the bank sending you stuffy letters saying they are going to defend - trust me - we have ALL had them!

To date, no-one has lost their case because the banks don't actually HAVE a defence - they just SAY they have to frighten people off.

DON'T be frightened off!

We are all really helpful and friendly here, and will hold your hand every step of the way.

Don't panic - it's not every day you do something like this, but once you have come through the other end you will feel SO empowered!

I'd say 'good luck', but you really don't need it - just time and nerve!

[Welshman]

jacqui. You need to your own thread and keep going there. But in answer to your question, at the bottom of this post, under my signature, you will see a sign off stating:
To follow my case progress, click here to see where I'm at right now.

If you click on the "here", it will take you to my thread.

And you are in a thread right now, it's the Barclays, BCard and Woolwich successes thread.

The thread you started jacqui, is here .

Don't panic - deep breaths and all that. We'll get you through this.

[Dagenham Duke]

I'm new to this and have only recentyly discovered that I can reclaim any bank charges for the previous 6 years. I could be a real wealthy man if this is true.

Unfortunately I don't keep my previous statements. How can I get copies of these and then how do I set about getting my claim in motion.

Can anyone also explain these claims for interest too. My claim will solely be for dd chrges.

Any advice and/or help will be well appreciated

	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.

[saintly_1]

Dagenham Duke i suggest you start your own thread (what bank are you claiming from?) that way any questions you have can be answered there

[ugly]

Originally Posted by jacquilottin

Please please someone advise an dhelp me on how to proceed. Am so depressed i cant think straight. My case with Woolwich-Barclays is getting more complicated. Received a letter today that barclaya has filed in a defence and my case transfered to my local court in bromley. I find the wordings of their defence too complicated. Any help out there? am desperate. I an write out what their defence case is if need be. Thanks in advance. anxiously waiting for a reply

hi how did you get on with your claim with barclays bank i am at the stage you was they have just filed a defence

[saintly_1]

Ugly your in the *WON* section