icefall v barclays **WON!!!**

[Seminole]

How much is the the total claim including interest?

	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.

[icefall]

£2,866.00

[Seminole]

That's going to be £120 to issue the claim and th £100 for the allocation questionnaire later. Here's the link to the costs

http://www.hmcourts-service.gov.uk/i...ees/county.htm

The £120 is payable immediately by debit/ credit card on Moneyclaim or by cash at a courthouse.

	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

[icefall]

thanks for your help -

goes off to have a think

will let you know what I do, probs later tonight.

[QBall]

Icefall be interested to know what you did. It's a nice little sweetner what they've offered. I'm just started my proceedings with Barclays.

[IVAuser]

New to this but very interested in what has been said so far. Due to my inability to balance my accounts I have had to enter into an IVA (1 year ago), prior to this I was with Barclays for about 20 years. Would it be advisable for me to contact Barclays and get my statements from 1999 as I think nearly every month from then I was charge for either bounced Direct Debits or unauthorised overdraft. I realise whatever funds if any i get back will be swallowed up by the IVA (or part of it) however these charges made life unbearable and was a contributing factor for me nearly declaring myself bankrupt.

	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.

[BankFodder]

IVAuser

Yes it would be advisable to do that.
It would also be advisable to start your own thread and not to hijack someone else's
And read the FAQs and the forum material, please.

[IVAuser]

I apologise sincerely

[icefall]

hi qball I pretty much went by the step by step guide in the FAQ's, went to library on this site, found the first approach letter, in which I requested the charges back, when I received the reply sent the letter before action which is in the library also. Was offered the 50% letter after I posted the first approach letter using the freepost address at the top of this barclays section.

I am just trying to figure out my moneyclaimonline statement, have found the rough guide but do not know when my bank contract is dated for. (The first line of the guide).

	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

[icefall]

ok have found another rough guide lifted from penaltycharges.co.uk, as follows

The defendant from date to date has applied Penalty charges to my account,

totalling £-----

Notwithstanding I am in the view the defendants charges represent a penalty and

therefore are irrecoverable at common law. the precedent for this was dunlop

Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd (1915) AC 79. along with

Murray v. Leisure play (2005) EWCA civ 963 It was held that a contractual party

can only recover damages for an actual loss or liquidated losses.

Notwithstanding I am in the View that the Defendants charges are also contrary to

the Unfair Terms in Consumer Contracts regulations 1999. Subsection 1(e) of the

said regulations gives a non complete list of terms which may be regarded as

unfair, such as a term which require me as a consumer who fails in his

obligation, to pay a disproportionately high sum in compensation.

I believe that the defendants charges require me to pay a disproportionately high

sum.

Therefore I seek to recover all of these charges from date to dat plus interest a

total of £-----.

what do you think is the above ok for moneyclaimonline? advice welcome

	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.

[BankFodder]

It's fine but seems a little long for the Moneyclaim system.

[Nightmare4banks]

Hi all!

Icefall this also may help you..

Go into any Barclays Branch and pick up a leaflet called:

Don't hold back your feedback

Phone the following number:

0800 282 900 Tell them briefly your complaint - they will ask you the standard security questions

or write to

Customer Relations
Barclays Bank Plc
54 Lombard Street
FREEPOST LON1354
LONDON EC3B 3PJ

MAKE SURE TO SEND THE LETTER BY RECORDED DELIVERY POST.

I recently complained and got want I wanted very quickly without any hassle.

I got a refund (not these unlawful charges - regarding another matter/dd mandate problem).

It was resolved in less than one week!

Also,I received a letter of apology!

A matter of fact I was VERY impressed and shocked!

Accordingly,I thanked them for assisting me in a very professional manner.

JUST REMEMBER...

IT PAYS TO MOAN!


I hope you find this advice useful.

Keep us posted on how you get on.

Good luck!

[bigjeff]

Icefall,Im reading this thread with intrest and, as a barclay's customer, would like to know if you sent the original letter out of the libary, the one about the Data Protection Act, or did you just ring them up and ask, quoting the Data Protection Act material?.

Because if so, then i will start to recover charges back.

[icefall]

bigjeff I just rang them up and asked for them under the Data Protection Act, it seemed an easier and quicker way to ask, the guy I spoke to just said yes straight away 5-7 days delivery, £5 for statements. Once I had the statements, I sent the first letter to them.

[icefall]

Filed claim today, will wait and see what happens next now.

[bigjeff]

Did you ring their main number or your branch number??

If you rang the main number, anychance of posting it here please.

thanks

[richardc]

Originally Posted by icefall

Filed claim today, will wait and see what happens next now.

Have you pm'd Dave or Bankfodder with the details?

[icefall]

I got the number from moneysaving expert from the very long thread this is a link for the get a human database, its a list of companies and insructions on what to press to get straight to a person

https://www.quickbase.com/db/ba773tcmj?a=q&qid=46

I think I pressed * lots of times to get through on the barclays number listed on this site

I have pm the the claim details to bankfodder it is in the claim section of this website

[icefall]

just to let you know I received the acknowledgement letter from the court today, the bank have put a cross in the 1 - I intend to defend all of this claim box as opposed to other 2 choices. I assume that is standard
The person signing is their inhouse legal executive, just a point of interest! Spose its time to wait now for their defence?

chomping at the bit now, this bit takes a few weeks doesn't it...

any advice please post cheers

EDIT They have till 21-4

	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.

[dave]

Originally Posted by icefall

I got the number from moneysaving expert from the very long thread this is a link for the get a human database, its a list of companies and insructions on what to press to get straight to a person

https://www.quickbase.com/db/ba773tcmj?a=q&qid=46

I think I pressed * lots of times to get through on the barclays number listed on this site

I have pm the the claim details to bankfodder it is in the claim section of this website

Thanks for that - it was already in the library section though.

Excelent site!!