walton v barclays **ANOTHER WON**

[paulwlton]

rang barclays 13th april just had 60 pound in charges taken from my account put through to head office asked for last six years statements sending them next working five days no charge for these they must be supplied free under data protection act. its a shame only last six years about ten years ago i got into difficulty and r b s had a birthday for 2years

[scotia]

Originally Posted by paulwlton

they must be supplied free under data protection act.

Not quite true m8, they have a legal obligation to supply this data within 40 days from receipt of request, and can charge up to a maximum of £10 fee to cover costs

[paulwlton]

thanks for that info but whats this about protection insurance

[scotia]

Thats my signature.........my cases.......nothing to do with your post

[paulwlton]

after receiving copy statements last week at no cost i sent lba off 18 april just received letter back today saying we are looking into you;re concerns and will give you an answer no later than the 23 of may, in the letter i sent they were given 14 days should i take action after the 14 days or wait till the 23 may. not sure because i jumped the gun buy sending lba off first. i realy want to stuf them

	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

[scotia]

If you have only given them 14 days from first letter sent, then that might be a bit quick of the mark, usually you send preliminary request letter giving 14 days, the LBA giving 7 or 14 days (i gave them 14)...as long as you can prove you have given them adequate time to reach an amicable agreement, and not just rush straight to the claim, the judge may frown upon it if this is the case........if it was me, i would probably send them a reply to their letter, saying something like, thank you for your reply, under the circumstances i will allow a further 14 days for you to deal with this matter, however upon expiry of this additional 14 days, i will screw you for my money back ......

but then again, it's your claim, your timescale, and your decision !!

	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

[paulwlton]

i gave the bank till the 23 postman just arived standard letter offering me half my claim with acceptance form. i am going to accept the partial offer and claim the rest through court action, thanks everyone for all youre help, what a great site, and i will certainly be spreading the word

Post moved. Please stay on one thread for updates on same claim.

[Bookworm]

Barclays will probably say no to that, it's either you accept half or they withdraw the offer, in the hpe you'll lose your nerve and accept the 1/2.

Keep us posted.

[paulwlton]

yes you;re right i rang the number on the letter saying i accept the partial payment and would claim the rest through court action, i also told them that it would be easier on both parties to settle in full now and not involve the court, they said basically it was a good will gesture accept it or get nothing, i told them i will put in writing that i accept their partial offer and will claim the rest through the small claims court. i will give them 14 days to reply if still no result i will use money claim to get the ball rolling. hope i am doing this right

[paulwlton]

just received letter saying the amount offered was in full and final settlement of your claim, i am therefore unwilling to adhere to your request to reimburse you with the full amount claimed,and it is with regret that you will proceed to the county court.i will go on moneyclaim tonight. would like advice on working interest out, thanks for your help on this site

	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]

There's a spreadsheet in Library, it does all the hard work for you!

.

[paulwlton]

thanks for that i will keep you posted

[paulwlton]

has anyone got an idiots guide for working the interest out, and what formula to use, not sure on spread sheat. if i had a 25 pound charge 500 days ago what formula would i use

	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.

[paulwlton]

all sorted, just filled out the form and paid the fees on moneyclaim, just waiting for the banks response now.

[paulwlton]

just had a look at my claim, it says to be held at northampton; if it was to go all the way could i get it swiched to my local court

[barracad]

Originally Posted by paulwlton

just had a look at my claim, it says to be held at northampton; if it was to go all the way could i get it swiched to my local court

If it ever got to a hearing it would automatically be transferred to your local court.

[paulwlton]

i have just rang moneyclaim to stop action and start another claim, what i dont understand is on the moneyclaim form i have used the template off this site and altered it accordingly, in the template is states i will be claiming interest but then it asks you if you want to claim interest and you must put the paragraph in the claim which takes the characters to 1400 you can only use 24 lines or 1080 characters doees this paragraph need to be put in, or is it enough that i have stated it allready in my claim. a bit confused at the moment

	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.

[natalie]

If you have all the info that is in the pop up, then it is enough.

Natalie

[paulwlton]

filled in particulars of claim stating i want to claim charges back plus interest, the next part asks you, if you want to reserve the right to claim interest,do i need to put this in my claim, i am claiming interest using the online calculater from when the charge was taken to now at 8%,

	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.

[barracad]

Yes if you want to claim the 8% interest you need to tick that option. If you are using moneyclaim online you will then get a popup box with some text which needs to be put in your Particulars of Claim.

	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.