Bookworm v Barclays - **SUCCESS**

[Bookworm]

Oh dear, oh dear, oh dear...

Now, I'll be honest: I like being with Barclays. They let me put money on the same day as I go over and not charge me, I can put in a cheque and use the money straight away. And their online banking site is easy to navigate.

So, I didn't chase them for my charges. well, tbh, there's not that many, my account with them has been more on the fat cow years... But there has been the occasional slip...

One of those occurred a couple of days ago, I miscalculated by a few pounds. My fault totally. So I got charged £30 for going £3.53 over. Bummer.

Well, I thought: Why not? I'll give them a wee call, see if I can ask nicely for it back. No harm, no foul, kind of attitude, see what happens. I know that if that fails, I have a back-up plan!

They said no.
First, a girl said no, then when she transferred me to a manager who I thought maybe could be reasoned with better (well, all right, leaned on), he said no.
I asked nicely.
Then I tried reason, saying that if I had to take them to court, I would reclaim the lot to make it worth my while, and wouldn't it be simpler to refund my 30 quid and be done with it?
He said no.
He said it was my responsability... at which point I cut him off to say "yeah, yeah, yeah, I know all that, its my responsability, I have signed the T&cs, blah blah blah... Look, I'm just asking: Can you save us both the hassle and refund me, or do I have to start legal action? You're a manager, you must know that if I have to go down that route, you will either fold before court, or lose in court, and I'll get my money back either way... What is it to be?"
He still said no.
So I thanked him politely, and here I am... well, I tried conciliation...

[Spiceskull]

Now...let's be honest...did you ring up as Bookworm, or did you ring up under your pseudonym as a customer? If you had rung as Bookworm they would have capitulated before the second ring...oh well, they are going to get their toes stamped on until they apologise.

Good luck.

[Bookworm]

Well, funny you should say that...

I DID say that I was involved with the Bank Action Group (he did NOT say: "the what?", incidentally) and that I knew more about T&Cs, unlawful charges and the UTCCR than he could possibly imagine... But b******s will be b******s, what more can I say...

[Spiceskull]

Originally Posted by Bookworm

what more can I say...

Well...you could say the b******s thing again...it reminds me of Jonathan Woss...

Is it okay to mention the bank action group when speaking to banks?

Just so i know...

[Bookworm]

I don't see why not, we're hardly a secret society, I think it's fair bet they've heard of us... Well, I certainly hope so!!!!

Yeah i know they must be trying to infiltrate as we speak!

I feel like im fighting the enemy from the trenches atm! Lol

[Tanjawi]

Hi all. I closed my Barclays account in 2004 and i remember having incurred a few charges from the time i opened the account in 98. Can i still make a claim for a refund of charges going back to approx 2002 (6yrs give or take)?? Cheers!

[Bookworm]

Before we answer you, could you pls start your own thread, one for each claim, and then keep updates staying on those threads? You have hijacked this thread -mine-, and a HSBC user's.

Please start again, and we'll answer you accordingly.

[coalfire]

Rest assured Barclays have heard of the bank action group and know that people are standing up to them.

[Rooster-UK]

Bookworm,

Did you know that the collective noun for a group of bankers is a WUNCH ?

[dw190]

And the new name for a B****** is Pancake Technition

[Alleycat]

Originally Posted by Rooster-UK

Bookworm,

Did you know that the collective noun for a group of bankers is a WUNCH ?

Haha!! A bunch of w..........!

[Bookworm]

Well, got my "sorry you've had to contact us" letter...

LBA Tuesday.

	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]

MCOL done.
Amount claimed: £446.97 inc. interest and fees.
Date filed: 24/05/06

'tis done. Now for the looooooooong wait...

.

	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.

[savage1975]

Just a quickie. Before all this action group forum kicked off i managed to get my charges taken off by Barclays and my partners NatWest account. It was about a year ago this is why, when i saw this forum everything just clicked into place! I got a letter off Barclays to say i had gone over my overdraft and that i was going to have to pay £25. Ths wasn't the first time but i thought what the hell i'm gonna go down there and kick off a bit and see what they do(couldn't hurt could it) anyway got down there and asked to speak to someone in charge. The branch manager took me to his office and asked what the problem was. I explained i wasn't prepared to pay the fee and he basically started going on about this was what happened even if it was 1p over. Anyway to cut a long story short i told him that this is why we were going over the overdraft all the time and he said "what do you want me to do about it" and i said "remove the charge" right in front of my eyes he removed it on his computer. Took him less than 1 minute no phone calls to head office NOTHING.

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	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.

[Bookworm]

Well, well, well, talk of too little too late...

I got letter from Barclays earlier, blah blah blah, disagree with me, etc... BUT (all together now, panto style: OOOOOOHHHHH!) they are offering me £ 150 to go away! (AAAAAHHHHH!!!!)

Oh, and the slip of acceptance I'm supposed to sign actually says: "Thank you for your letter detailing your response to my complaint. I accept the sum of £150 in full and final settlement...." Thank you? THANK YOU? They are having a bloody laugh!

Anyway, since I filed with MCOL yesterday, I'm afraid they really royally f*cked up on this one...

	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.

[mahala]

Dear Barclays,

Thank you for your letter detailing your response to my complaint. You will no doubt find yourselves being served with my response to your letter shortly.

Love and kisses (maybe not)

Bookworm.



or words to that effect lol

[knobby1]

reminds me of the lovely letter the young ones were writing to their bank mamager in one of their episodes i think they all had a bit of input i cant remember it all but neil wrote "may the seed of your loins grow fruitfull in the belly of your woman" can any1 remember the whole thing?

[dinghy]

Originally Posted by Bookworm

MCOL done.
Amount claimed: £446.97 inc. interest and fees.
Date filed: 24/05/06

'tis done. Now for the looooooooong wait...

.

Thought you didn't have much on Barclays ?

	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.