CrispDust v Barclays ***WON***

[CrispDust]

I thought it was rather a tame letter, more like ballet silks than size 15s

Perhaps a very simple email to KJ suggesting he contact me for possible settlement?
After all he doesn't have my phone number......

[caro]

I think you have already tried to resolve it by writing to them before taking court action. I have not heard of anyone contacting the banks at this stage, but I do not claim to know everything, or to have read all the threads, particularly in the Barclays forum.

My best advice would be to go back to the FAQ's and the step by step instructions and check what they say there. I do not have experience of the courts, other than having just completed my first MCOL claim, so I will be following the instructions exactly because I know that hundreds of people have got there money back using these methods. I cannot afford to deviate from this and risk losing my claim for my bank charges.

	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.

[BankFodder]

I am amazed to learn that people are contacting the bank's solicitors with this kind of thing.
Is it only Barcalys or is it all the banks?

You may as well write your message on a white flag and hang it from your window.

[CrispDust]

Well this seems to have sparked some responses, mostly negative.

I will just submit my AQ and await due legal process to prevail.

	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

[caro]

Wise move. I'm pretty sure you will get the result you want. It's just a waiting game now. Keep us posted.

[Janet-M]

Originally Posted by CrispDust

Well this seems to have sparked some responses, mostly negative.

I will just submit my AQ and await due legal process to prevail.

Glad you have listened as we are not strongly advising against it without good reason

	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

[mahala]

just for reference, this is the thread discussing calling KJ. I think that bit of the discussion starts on page 3.

[maybelline]

I really do not think it wise to approach the bank or any one else in the way you outline, just follow the steps and templates but read up and be aware of all the info and have an understanding of what you are doing.

I have contaced banks and other institutions over the years and really they have been virtually pleading letters but have never had a postive response. I recently recieved a letter from a secured lender marked WITHOUT PREJUDICE inviting me ring them as they wanted to help. I would not touch it with a bargepole.

When a letter is marked WITHOUT PREJUDICE this means it cannnot be used in any legal claim, is that right?

[Movingon]

Originally Posted by maybelline

When a letter is marked WITHOUT PREJUDICE this means it cannnot be used in any legal claim, is that right?

It means it cannot, without permission of the Judge, be shown as evidence in a court. Take the documents to court, and if your case is going badly, explain to the Judge that you have documentation received without prejudice which may affect the court's view of the case, and could you please bring it forward? Unless he can see a real swing to the case occurring he will generally refuse.

[maybelline]

thanks, not at court action stage but in time I may be so need to keep up to date. I have interpreted their letter as lending against property again which is bizarre when I have an arrangement and a default?? sorry not hijacking this thread, you know what I do think twice about what I am prepared to write these days, silly maybe.

[CrispDust]

However this link posted today with a result:
Going For Barclays

[why!!!!!!]

I received my normal monthly bank statement today and the address for correspondence on there is:-
Barclays Bank Plc
Leicester
LE87 2BB

Im thinking of taking a copy letter to my local branch would this be advisable.


I hope this may help with the addresses situation.

hoping to get myself claiming soon.

[chrismc]

Mr P T was quite quick with me for intial files etc statements followed, around 3 weeks from my original request and after he tried toi delay things. But originally I sent all info to Sharon Caffery the Subject Access Officer and she seemed to get PT moving.

Now I am dealing with the Senior CS Manager in London, much further up the chain of command he he...don't worry guys you will catch up soon!!!

[CrispDust]

Sent my AQ back to Court on 24 June. How long does it take to get a court date thru?

	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

[Phil.Prescott]

Guys, this is Definitive, I have spoken to the gentleman concerned and have received correspondence from him: He advises that ALL correspondence regarding internal complaints has been passed to him (who will no doubt delegate cases to account managers), but he's the guy at the top.

Mike Brophy - Head of Customer Relations
Freepost RLTA-CSUE-TCHC
Head Office Customer Relations
1 Churchill Place
London
E14 5HP.

Telephone: 0207 116 4561

[thunderpuss2k]

Originally Posted by Guy

Recieved a goodwill offer from

Karl Voller
Customer RElations Manager
Head Office Customer Relations
London
E14 5HP

So perhaps he has some clout - a name at least.

He's now apparently Senior Case Manager.

Direct 020 7116 5554
Fax 020 7116 7563

[CrispDust]

I have still not received a court date yet. Does it normally take this long?

[jonni2bad]

You would normally get just over 2 weeks to respond to the AQ, so the bank may have dragged its heels a little. Notification normally comes a few days later.

If you like, give the court a call and ask for an update....

[jinx_uk_98]

definatly give the court a ring i waited over a month for a date, in the end had to chase the court up, turns out my file was 'misplaced'.

cheers

[Janet-M]

Barclays bank
freepost rlta-csue-tchc
head office customer relations
london
e14 5hp

tel 0800282390
fax 02071167563

lawrence white (customer relations manager) 02071164561