Ready Barclaycard?

[Yasmin]

Sent Data Protection Act request. Two claims settled so feeling inspired.

[Bookworm]

Cool.

Someone after my own heart.

.

[Yasmin]

Thats it, received all data, left outside by postman. Totals £260- + interest. Prelim. letter on its way.

	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.

[Janet-M]

Are you saying your postman left all your 'statements' outside your house ? Seen as this is confidential information that could of got into the wrong hands by his actions then I would be also writing a stiff letter to the P.O.

[Yasmin]

yep... left outside on porch no note to say it was there . So discreetly tucked in corner don't know how I spotted it myself, LOL.

[Yasmin]

sent prelim letter, later letter before Action. I am claiming £260. plus interest. I have today received a reply from the Customer Relationship manager.
Main paragraph
"However, as a goodwill gesture and without any admission of liability Barclaycard is prepared to credit to your account the difference between the charges you have incurred and the £12. fee recommended by the OFT. In accordance with the charges incurred this would be £104.00. The adjustment will be confirmed on your July 2006 statement.

Clarification etc.......

any views??????

	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

	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.

[Yasmin]

Barclaycard refunded the amount they offered to my card. I haven't acknowledged letter or offer! I am continuing with my claim, and have now received an acknowledgement dated 24th July......

[Yasmin]

I have now received a defence from Barclays- They have told me that I have not provided details of the precise charges to be unlawful, or the date thereof. ( I did provide a schedule of charges) Goes onto say...Accordingly, this defence is summary in the nature and the Defendant reserves the right to amend the statement in due course. It is averred that the Claimant has failed to identify and state any cause of action against the Defendant to establish any legal liability for the sum claimed............??

Any advice please? other than sending them yet another detailed schedule immediately?

[Glenn UK]

Id seek advice from a mod TBH.

It sounds to me like their not acknowledging the claim youve made in the sense theyre saying its rubbish. edit : sorry not very well put, i think theyre saying you havent got a case i think.

Is it a standard letter, sounds like it to me bearing in mind the opening bit youve posted about its a summary defence?

Have yo confirmed why you believe the chagres to be unlawful, etc?

Glenn

[Yasmin]

Yep.. all stated on my claim form. However they have now recredited my account with part of the amount claimed! Did not ask me for a letter of acknowledgemnt or anything, do I now have to amend my claim? Maybe this is what they're getting at. Should probably send them a new schedule of charges as well...or should I just inform the Court they have recredited me with part of the sum claimed?? Any ideas

[Glenn UK]

I think I would speak with the court about the amended claim, but i would also check with a mod about their comments if one doesnt reply within a day or so.

i wouldnt want you to listen to me and end up with aggro, i nooo nothing [said in a slightly daft spannish accent]!

Play it safe and ask somone who has a better idea.

Glenn

[Yasmin]

Any ideas anyone??

[Yasmin]

spoke to the court re amending the claim. It wasn't necessary, just had to send them a letter explaining. Well, A Q went in yesterday, so waiting.....

[Yasmin]

Two Court dates through today....Barclaycard and Woolwich both 15th November!

[Mr Chips]

Good luck Yasmin - but i'm sure there will be no luck involved!

[Yasmin]

Hi all. Rolling towards 15th November, all docs. prepared and sent

[silentcharisma]

Hi, how long did it take after your claim was acknowledge for a court date to come through? I have recieved a letter saying they intend to defend. Are you the 1st to go to court? And do you think it will actually get there?

[Bookworm]

Who says she's going to court?

Yes, she's got court dates, so do a few thousand others... That does not mean she'll get to see the inside of a courtroom!

[Yasmin]

nah...... would be amazing if it did though woolwich & Barclaycard double whammy!!

[Bookworm]

Well, if my case is anything to go by, expect letter of settlement by the 10th, demanding confidentiality. Just say NO!!!! lol.

Incidentally, there were discussions as to whether just scratching out the confidentality part would not invalidate the whole agreement, but Barclays themselves told me that it was ok to do so... Just so you know...