** WON ** About to start any advice offered is much appreciated

[Janet-M]

Originally Posted by dzaster

Received another letter from Barclays today, with yet another copy of statements.... however on looking at these they seem to contain more charges than the original set I received.

Do I know send a further letter claiming the difference or do I send one which withdraws the first letter and claims the full amount?

Thanks

are you saying you have 2 sets of statements for the same date but they both have different figures so contradict each other ?

[dzaster]

No, the first set shows 1 set of dates from what I was told was the account opening, the second shows all this plus 1 years previous so in effect I have now the entire set of statements just the last 5 years have been duplicated.

[Janet-M]

Oh right I thought we had something then
Yes as previously advised just change the amount in LBA.

	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

[dzaster]

Just received a reply from Mike Brophy at Barclays in response to my prelim letter

"I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you again shortly.
Please find enclosed a copy of our complaints leaflet, which explains how we will deal with this matter.

Thank you for your patience. Should you wish to discuss this matter further, please do not hesitate to contact me on 0207 11 6 4037"

Looks like a standard template to me, they have now 7 days before LBA is sent

[Janet-M]

Yes it's just a standard reply , keep to your time limit .

[dzaster]

Only 2 days to go before LBA is sent, is it usual to feel a bit worried about now?

	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

[Movingon]

Abject terror would be closer to the mark; but hang in there mate - they WILL pay.

[dzaster]

Thanks Stone, the laugh I got from your reply has made me more determined to stick to the old latin saying

'Nil illegitami carborundum' or in english 'dont let the bar stewards grind you down'

[dzaster]

No reply to my prelim letter so have posted LBA recorded delivery today, 14 days time and I start proceedings

	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

[dzaster]

7 days and still no reply to the LBA I sent, am beginning to think they are rushed off their feet and dont have the staff capable of writing a polite letter

	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

[mikeyitup]

Keep to YOUR time limits and give it to em good!

BTW, read and re-read the FAQs and always check the libraries on a regular basis as they are always being updated/improved.

Good Luck!!

[dzaster]

Last day they had to reply was today, and instead of a letter I received a phone call from customer relations. The gist of it was that they are working in strict rotation of cases and it currently takes upto 6 weeks per letter. I politely explained that today was the final day they had to reply to my last letter dated 1/07/06. They said they have not received it as yet, but this letter was signed for on 05/07/06.

Somehow though they knew exactly what the letter contained and said they were not prepared to finalise this today and had upto 8 weeks to deal with it according to the FSA.

Looks like my claim goes into MCO today

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

[dzaster]

Have also received a letter today whilst at work informing me that my account has now been terminated and they want the O/D to be repayed immediately.

How the hell do they think they can get away this sort of behaviour??

[Movingon]

One thing is for absolute certain; they cannot demand the entire overdraft paid off instantly. There is a school of thought that they can't close the account in this way either, but that has yet to be tested in court.

	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.

[dzaster]

They have given me until the 27th of this month to clear the overdraft otherwise they will start charging interest at £0.66 per day on the outstanding balance.

Am wondering now whether or not I should start a new claim to get all that interest back as they have put a fixed sum down, not a percentage?

	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.

[dzaster]

Today have received a letter offering me approx a quarter of the amount they owe, they also folowed up with a phone call detailing this, luckily I have not started the action in the courts as yet (mainly due to them closing my account and leaving me with only a few quid in my parachute account). I explained the situation and have followed this with an email informing them they have now until Friday to pay the full amount they owe otherwise I will see them in court (I have worded this differently but you know the gist)

So will have to now wait and see.

Also a little bit of good news I have today accepted a new job which will start September

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[dzaster]

Quick Update:

Barclays have offered me £550 as full and final settlement

I have accepted this due to financial reasons and am currently expecting a cheque to arrive from them within the next week

	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.

[dzaster]

I would have held for the full amount, but as it was not much more than they have offered and also the fact I have recently had financial difficulties meant I could not really wait any longer

[dzaster]

Another development, since accepting there offer they have now sent another letter to me, stating they are sorry that I have not accepted their offer of £550 and are unable to agree to my request for full settlement.

I am have not received anything as yet from Barclays and am wondering if they actually know what they are doing.

I have now therefore now started proceedings against Barclays for the full amount

[Nightstar]

Good on you matey I feel that with all the consumer pressure they are under the cracks are well and truly beginning too show, they cant keep up with the pace JOG ON Barclays