SkippyB v Barclays ***SETTLED IN FULL***

[skippyb]

Initial letters sent in March for reclaim of £2700 of Bank charges over 6 years, which covers 2 accounts held with them.

Received letter in return offering 50% as goodwill gesture.....letter sent back refusing this and again asking for full amount.

Letter then received back from Barclays saying that as we have rejected this amount then they cannot help us any further.....

Charges filed with County Court of 24th April for full amount including interest....

Now sat waiting!

	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.

[skippyb]

Update.....Charges claim filed on the 29th April...as of today..still no acknowledgement or any contact.

Getting very nervous now. Can anyone advise of what could happen now or what is likely to happen? How long do I have to sit and wait?

Thanks

[CrispDust]

When the period specified in your online claim has expired (14 days from 29th April I think, so that should be 13th May?) then go back to website and enter judgement by default against Barclays. Barclays can appeal against this but they have to have a damn good reason for the Court to allow an extension of that 14 days.
You can then apply to enforce payment ie baliffs entering premises. It costs but you get it back.

[mossysue]

my claim was also issued on the 29th and i have heard nothing from barclays....I haven't even had an offer from them. It is worrying, but hold out!

[skippyb]

Update......Have recieved letter from courts...

Mr Keith Jeremiah has 'intended to defend all of the claim!'

Now very worried...will have to swot up on all of the site to make sure I am ready!

Has anyone got any advice???

[mossysue]

i just got that same letter today! Hope i don't have to go all the way to northampton. I am hoping things won't go that far - how successful have people been with Barclays?

[Geraintheath]

Just throwing one out here, but let's not be naive...

...there seems to be a lack of people who have reported to have gotten their money back. None have put their details into the litigation concluded section. Make what you will of this. However, no one has reported to have not won their money back...gagging orders?

I've a few days left before I launch my moneyclaim as the LBA is about to have run its course. I, like most others, have been offered a few quid, in relative terms, to drop my case. I will not. The lack of reprted victories/acts of justice is not testament to the genuine results...hopefully!!??

	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

We have a lot of users currently waiting for the defnce to back down after they have had a defence filed. I suspect they will but we will have to wait and see, alot of it will happen in the next couple of weeks!

Lou

[Dom]

Originally Posted by skippyb

Update......Have recieved letter from courts...

Mr Keith Jeremiah has 'intended to defend all of the claim!'

Now very worried...will have to swot up on all of the site to make sure I am ready!

Has anyone got any advice???

No advice Skip, however! Keep the faith and dont worry... I expect the 'greedies' are monitoring this site and reporting directly to Mr 'Keith Jeremiah'...

Well Keith 'me ole mate' start getting ya act together coz we are coming for ya!

'Strength in Unity'

I am looking forward to recieving my own standard "Keith Jeremiah will defend" notice soon

Keith Jeramiah!?

See this

[skippyb]

OK!! Now i'm running scared...Have recieved a defence through the post...also they have moved the court to my local court and want to charge me £100 for the priviliege!!

The defence is about 3 pages long....What do I do??????

[jonni2bad]

The fee is not for them moving to your local court - this is where it would be anyway.

It is for the Allocation Questionnaire and only for claims above £1500. We are very close to finalising a help file on filling this in, and it should be in our FAQs very soon indeed.

There is nothing to worry about, it's all quite standard, especially if they are trying their best to put you off!!

	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

[CrispDust]

and please send a copy of that 3 page defense to Bookworm - he keeps requesting one from anybody!

[jonni2bad]

Originally Posted by CrispDust

and please send a copy of that 3 page defense to Bookworm - he keeps requesting one from anybody!

I think you mean BankFodder - Bookworn aint no 'he' !!!

[CrispDust]

apologies, it was late at night -tired, should have been in bed to be up for 5.45!

[skippyb]

Unfortunately I dont have a scanner.....BankFodder How do I get a copy to you?

I am not sure how to proceed now.....

[jonni2bad]

Send him a PM and ask if there is another way....

[skippyb]

Ok Guys...I am going to post Barclays defence on tomorrow as will take a while to type but in the mean time I need some advice...

I have the change of court forms and need to fill them in within a week....there are 4 sections that I am querying..

1 - Track.....Is the small claims court the most suitable way to go?

2 - Am I calling any witnesses? (I think no but I could be wrong!!)

3 - Do I need to call an expert?

4 - What other information do I need to submit? (I.e any phrases such as I do not dispute that I knew about the charges but the amounts are disproportionate ...etc etc)

Sorry if these are dumb questions but I am a little confused by everything?

Thanks in advance

[jonni2bad]

This is the Allocation Questionnaire...

What form number have they sent you?

Should be either N149 or N150

	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

[skippyb]

It is the N149 form.......