so close reasurance needed urgently **WON**

[bumface]

Hi Anyone

Could anyone please help me convince my husband that we should hold out for the full amount.
We are claiming £4,400ish on 2 ac's combined our court date is 26th feb and our directions hearing is for the 19th dec.
my husband got a call at work from barclays legal team today offering us £2,700ish but as she only quoted 1 ac number he said no and she said she would check the figures and call him back.
I have worked really hard for the last 7 months and he is saying if she offers £4,000 we should take it but I think it is really important to hold out for every last penny.
Please help or i might hit him on the head !!!!

[dickeggsy]

they owe me about £4000 and offered me £1000 last week. i have just gone over the overdraft again and being so close to christmas and with two young kids it was tempting to accept their offer.
but i thought sod them it's my money so i borrowed £500 off my mum and sent my MCOL claim off about half an hour ago.
please don't accept because you are giving them about £400 to bump up their profits with your hard earned cash.go for the lot as i have.

	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.

[bumface]

I will fight for every penny and this just shows they dont want to go to court, unfortunately they keep calling my husband who is a soft touch.
We have 3 smalls already and another due in March so we need the extra £400 if only to buy a telly (He He !!!) I think they will be praying on alot of people in the run up to xmas who may not be as strong.

[argyle]

Hi Bumface.

Stick to your morals.
£400 is alot of money just to shrug your shoulders to and say you have had the majority of the money back.
You can be sure Barclays will pay all the outstanding money, do you think they would ever let you off the money if the roles were reversed?
Be strong you're nearly home and dry.

Argyle.

[Cheeky_chimpy]

Keep going, you will get there in the end THEY DO NOT WANT TO GO TO COURT. I was only claiming £190 from Barclays. I had a week left to court date, they phoned and gave me my money.

[bumface]

Thanks for the support x
I will unleash all my pent up pregnant hormones on hubby if he lets us down !!! I have worked too long and hard to get this far and give an inch.

[ukaviator]

You must carry on. If they offer you something you should accept, but only as a partial payment. Let them know that you intend to pursue the rest. You will get the rest back.

Good luck

Uk. .

[bumface]

Good morning x
Gave hubby a list of what he was allowed to say but the postman saved us by delivering a letter from Barclays which reads ;
in reference to your claim.
As you will have seen from our defence, we consider that your claim lacks merit and that it will fail. In particular, we disagree with your legal analysis that the charges levied to your account with Barclays amount to penalty clauses and are unfair. We do, however, recognise that the sum at issue between us is relatively modest and as such, it is not cost effective for either party to take this matter to trial. Therefore, in order to avoid the inevitable time and cost associated with persuing the claim to trial, we are prepared to settle your claim upon payment of the charges applied to your account,together with statutory interest and costs totaling ££££ subject to the terms set out in this letter.
This offer to pay ££££ is in full and final settlement of your claim and is strictly without any admission of liability on our part.
If you agree blah, blah, blah.....

This amount includes our AQ cost which we did not even ask for.

	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

	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.

[Bookworm]

Excellent! Since you've taken out the amount, I assume it is for full amount, yes?

I have noticed they have removed the confidentaility bit in their latest letters, they must have realised how pointless that was!

Cool result! Merry Christmas and well done! (and maybe book an assertiveness course for hubby for Xmas? )

[bumface]

yes bookworm,every last penny.
Merry Christmas and happy new year to you and everyone else who is fighting for their money xxx
great idea about the assertiveness course too !!!

[dickeggsy]

blimey waste of time me replying yesterday.
haha only joking.
well done,fantastic result.that's you and welshman sorted on the same day.
what's going on at barclays.i've only just sent off my MCOL claim so keep your fingers crossed for me.
good luck with the baby.