Roboraver vs Barclays *** WON ***

roboraver · 20th August 2006, 18:25

Hello Everyone, I am a newbie so please be gental with me !, some advice is needed. I have read through the F.A.Q and recieved my statements from the bank. I am not %100 certain if I have calculated the correct data from them (e.g. Unpaid out, paid refferals, card missuse, unauthorised o/d fee entires).

Using the basic spread sheet I entered all the information of charges for the last 6 years but I am unsure of what the total amounts means.

In the spreadsheet at the bottom you have the follwoing total amounts:

Amount = £4.175.00 (e.g. all of the data that I have entered)
8% Interest = £928.51 (Taken from above)
and under interest is £5.103.51 (Both of the above added together)

I am sorry for being a bit of a blond but is the £4.175.00 the amount that I am claiming back ?

I am just about to send of the Prelim letter and what to make sure that the amount is correct.

Kudos for this site !

skinttrev · 20th August 2006, 21:04

The 8% Interest gets added at the moneyclaim stage, just go with the 4 grand, although you may want to split the claim in two as it exceeds the 5 grand limit of the small claims court, if it goes to fast track you could be faced with having to pay their legal costs.

davisc02 · 20th August 2006, 21:25

Hi,

All the fees you have listed are reclaimable, the only one i'm not 100% sure about is the paid referrals one.

OK, one thing about interest.....There are two types....

1) Interest on charges, this is interest on your charges and is NOT the same as the 8% interest, you can work this out using the ADVANCED spreadhsheet in the templates section. Some people claim for this some don't, I did as it came to nearly £400 and my claim amount was similar to yours. If you want to claim for this you need to include on the Prelim letter. If you only want to go for the charges then put down £4175 and delete the bit about interest.

2) 8% interest, this is interest that can be claimed once it gets to the Moneyclaim stage, do not include on the Prelim.

Sorry Skintrev, but forget the bit about going over 5K. This only applies if your original amount exceeds 5K and NOT with the 8% included and even if your claim was for say 8K your costs would be limited to £750.

So in answer to your question yes £4175 is the amount you need to put down on the Prelim unless you want to have a look at the advanced spreadsheer and work out the interest on charges.

Hope this helps

squishy · 21st August 2006, 09:29

Claim for paid referrals too!!

roboraver · 21st August 2006, 10:32

WOW, I would never of even thought about it unless I came across this site ! Well I have just opened a parachute account and will send of my Prelim letter tommorrow. The advanced spreadsheet is really confusing me so I think I'll just claim for the charges.

Thank you for the help, lets see how they respond

squishy · 21st August 2006, 11:06

Just claim for the charges now- if you end up submitting it to court through Moneyclaim or form N1, then you can add the interest. Don't worry, it does get easier the more you become familiar with it!

roboraver · 22nd August 2006, 14:38

Thank you for your advice, Prelim sent yesterday for charges via special del, will post the outcome .

roboraver · 25th September 2006, 10:33

Howdy all, I've been away working for a few weeks, but low and behold I got a offer of £1000 ! which I have accepted in part payment towards the full amount.
In 14 days time I will make a claim

jkop · 18th October 2006, 15:24

come on mate... you still haven't done your MCOL - get your finger out! I've done two claims since then

roboraver · 20th October 2006, 11:25

will now have to wait till pay day

should taken up your offer !

jkop · 20th October 2006, 11:48

my card is maxed now filing my barclays claim lol - still payday on friday! I'll be makng sure you file on friday!!

roboraver · 20th October 2006, 12:05

Yeah, I cant wait for that, I have also sent of the letters about the loan agreement (e.g. requesting the signed copy !) "who dares wins" LoL

roboraver · 3rd November 2006, 12:34

Bloody typical ! Was just about to file on Mcol and low and behold they dont accept Visa Electron !! have to now take out money from one account and pay into another !! am off down to the bank, i'll only be a few hours

jkop · 3rd November 2006, 13:05

cool - barclays have until monday or I file judgement by default - they not acknowledged my claim yet!

roboraver · 21st November 2006, 10:05

OK, I have filled out all the MCOL stage, I am about to file BUT my claim will total just over 5,000 !! I have read that claims that are more the 5,000 cannot be processed in a small claims court ! Is this ture ?

why!!!!!! · 21st November 2006, 10:28

hi
if your total comes to over 5,000 and includes the 8% interest then it will be ok.
hope this helps.

roboraver · 23rd November 2006, 09:37

Thanks WHY!!! it does include both and then the court fee will need to be added on top.

roboraver · 27th November 2006, 17:22

At Llllong last I have just filed with mcol, now the battle (and wait) begins !!

roboraver · 6th December 2006, 11:08

They acknowledged today 18th so will see what happens now.

roboraver · 10th January 2007, 11:09

Have filled out the allocation quetionaiire and will hand it into my local court !! Does anyone know how long it takes to get a court date ?

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