Parky V Barclays **SETTLED**

eparkus · 11th August 2006, 13:55

Hi, all printed off and ready to start the process, but have a question.

The letter says 'I calculate that you have taken £xxxx plus £xxxwhich you have charged me in overdraft interest for the sum which you have taken. Total £xxxx'

but the notes tell me not to ask for the overdraft interest yet.

What do I do? do I calculate the interest owed, put it in the leter but not on the schedule?

thanks for your help.

E

Spotted Dog · 11th August 2006, 14:25

The interest you add on the preliminary letter is what you have been charged by Barclays as interest because you were beyond your overdraft limit. Most people dont bother with this. When you get to put in your court claim you then add on 8% interest to all the charges that Barclays have made.

Hope this helps - look at 'Rooster' posts as I think he has explained it more fully

Spotty

Nightstar · 11th August 2006, 14:26

Hi Parky,
Are you talking about Prelim letter? if so you only add interest on if you file a claim (in other words, if they dont refund your charges then take them to court add interest on then 8%) dont add on when requesting refunds at prelim stage. Hope this helps

Good Luck

eparkus · 11th August 2006, 14:56

Quote:

Originally Posted by Spotted Dog

The interest you add on the preliminary letter is what you have been charged by Barclays as interest because you were beyond your overdraft limit. Most people dont bother with this. When you get to put in your court claim you then add on 8% interest to all the charges that Barclays have made.

Hope this helps - look at 'Rooster' posts as I think he has explained it more fully

Spotty

Thanks for that. Think it will be a nightmare to try to separate what I was charged cos i was over my overdraft limit, and what I was charged cos i was just overdrawn.

Think I will go ahead with just the 'Paid ref fees' and the 'charge for unpaid items'...which ammount to a lovely £1020!

Thanks for your help.

eparkus · 7th September 2006, 17:48

UPDATE:

Letter before action going off today 7/9/06.......

Bring it on Barclays!!

eparkus · 16th September 2006, 12:55

Update - receive offer of £520 in 'full and final' etc....

so, i now need to send thema letter accepting the money but reserving my right to pursue the outsdtanding. is that right?

victimnomore · 16th September 2006, 13:54

Dead right!
(there's a template for it in the library)

eparkus · 16th September 2006, 17:13

Thanks, found it and getting it sent out.

By teh way...how can i change the title to this thread?

orfoster · 17th September 2006, 01:52

You need to send a private message to a MOD (green guys) they will change it for you. Can i just say to all that read the prelim and LBA letters that state plus interest in the letter it means OVERDRAFT INTEREST if they take you overdrawn from a charge and they also apply interest then you CAN claim that back but only if you go into an unauthorised overdraft. The 8% interest is only done at court stages.

Good Luck. You seem like you are doing fine.

eparkus · 29th September 2006, 17:27

Proceedings issued through moneyclaim today...bring it on!!

Claim now reached £1355.91, inc interest and court fees....

eparkus · 20th October 2006, 14:04

They have filed an acknowledgment of service, but I understand that they still have to admit or dispute the claim by tomorrow (21st) to stop me entering a request for judgment.

bearo · 20th October 2006, 14:19

have changed it for you, am persuming you didnt want the help needed bit? Pm me if you want it changed to something else!

eparkus · 20th October 2006, 14:29

Thanks Shaz

eparkus · 23rd October 2006, 10:41

Got the date wrong, cant file for judgement till the 30th....shame.....another week to wait!

eparkus · 31st October 2006, 17:15

They filed a defence today....I make that a day over the deadline but thats life i guess...moneyclaim seem to have accepted it and it will be 'transferred to the appropriate court'.

Bugger.

Well, no one ever said it was going to be straightforward, so barclays, if you are reading this....BRING IT ON!!!

eparkus · 29th November 2006, 19:55

Even though the claim was transferred to my local court (Uxbridge), and i filed my AQ in time and all that, I have today received a 'General Form of Order' and the claim has been transferred to the London Mercantile in the Royal Corts of Justice.

Is this normal? Can anyone help me understand what is going on? How can it be moved to suit them, when i am the 'injured' party?

Welshman · 29th November 2006, 21:35

Don't worry about it. They will settle before the date.

eparkus · 1st December 2006, 11:49

Thanks welshman. No date set yet, just really surprised that after being transferred to me local court, they can click their fingers and get it transferred to a different one.

I will await my court date in that case...thanks for putting my mind at rest!

Trollsicles · 22nd March 2007, 20:52

eparkus,
have you got a date yet for the Mercantile court?
I'm at the same stage now and my local court is Uxbridge.
I was expecting this to happen as I'd looked through other people's pathways from Uxbridge and it all led to the same place - Mercantile!

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