Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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  1. #1
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    Default Holteender vs Barclays Bank - My patience ran out ** WON **

    Lads and lassies, thanks for the help and updates so far.

    I've sent my Data Protection Act letters to Barclaysicon and Mint today. Set up a First Direct account last week so I have a backup account already in motion.

    If you want a story about banks being feckers, listen to this.

    I am numerically dyslexic, I can't understand my bank statements or online banking screens so I have to, mostly, calculate my finances in my head. That doesn't always work so I end up gettting my finances in a bit of a twist quite regularly. This leads to monthly charges of between 150 and 300 for returned Direct Debits and Unauthorised overdrafticon charges. I can accept a certain level of charges but its a lot of money to lose every month, especially when Barclays would refuse to extend my authorised overdraft.

    I rang Barclays last week again to request an extension to my £100 overdraft. They refused, so I appealed to them to stop charging me so much so often and explained about my dyslexia. I can't remember exactly how I worded it but it was similar to what I typed above; the woman on the other end of the phone said "Numerically dyslexic? That's a new one. You're probably just stupid."

    Cue Holteender immediately terminating the conversation and applying to First Direct; First Direct will ALWAYS answer the phone with a human being and there are now notes on my account with them about my dyslexia so they will always be patient with me whenever I ring.

    So, Data Protection Act letters sent via registered post today. I'll keep everyone updated with how things go.

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  2. #2
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Hi and welcome, good luck getting your bank charges back! shame you cant sue them for their rudeness innit? what a blooming cheek!! give a shout if you need any help ok?

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


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  3. #3
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Will do CB, thanks.

    I just hope that phone callicon was recorded for "Training and quality management" purposes


  4. #4
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    I hope you got her name. I think a letter to her manager, the regional manager and the CEO is in order here.

    I would.



    Professor Brian Butterworth of University College London has told the British Association for the Advancement of Science conference that the numerical equivalent of dyslexia, dyscalculia, affects around one in 20 children in the UK, and leads to their being labelled as stupid by uninformed teachers.

    Sep 11, 2003

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    Vanquis - Claim issued, no AoS or Defence received

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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Numeric dyslexia is called dyscalculia.

    Shame you already have sent your SARicon - (Subject access requesticon). I would have advised you to make an addition to very specifically demand a transcript of that phone callicon.

    I suggest you write a letter to Customer Services RIGHT NOW about it, noting the date, time, and every other info you can to help tracing that employee. Make it a full blown complaint about disability discrimination, that is a very serious matter, totally separate from your bank charges, and I would go all guns blazing on that one. It is totally inappropriate that someone should make comments like this, and I suspect that the employee will be in for at least a severe roasting, if not more.

    I have noticed that Barclaysicon employees have been getting ruder and ruder every time I speak to them lately, but I just thought it was because of, well, ME, lol!

    Let us know how you get on.

    Apologies to people who I was in the process of helping, I may be gone some time.

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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Even if they have got a taped conversation i bet they 'lose' it!!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


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  7. #7
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Rudeness by bank employees is commonplace and not new.

    Several years ago I was involved in setting up a subsidiary company in the UK for a major European parent company and part of the job was to open the new company a bank account. I approached Barclaysicon and informed them that I wanted to open the account at which point I would instruct the parent company to pay in funds (approx £30k) in order that I could continue with the setting up.

    I was told that they did not want the business because I "...might be laundering money, we don't know."

    Needless to say, we did not bank with Barclays!

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received

  8. #8
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    "if they lose the tape" then they breach the DPA!


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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Got the bog standard reply to my DPA letter. Cheque is returned, but the bank are giving their "we know nothing" reponse about manual intervention. Statements will follow in a few weeks.

    I've gathered statements from various drawers and piles around the house. Just a quick question.. Does a "Paid Referral Fee" of £25 count as an illegal charge?


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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Yes, Holteender, it does count as an excessive fee, which you can include within your claim.


  11. #11
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Just been browsing the other threads and noticed many others got the same response as me to the DPA letter. The returned cheque is a delaying tactic, I hadn't really bothered to think that through properly.

    So, I have now printed out the DPA letter demanding all the information or I'll be down the county courticon...

    God, I hate them


  12. #12
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    Thumbs down Re: Holteender vs Barclays Bank - My patience ran out

    Following up from people's comments about my dyscalculia and the Barclay's woman's response, I have just sent this email..

    To whom it concerns.

    This email relates to a telephone conversation I had with a Barclaysicon employee on xxxxx using the Barclays telephone banking service.

    I have a learning disability known as Dyscalculia. This is the numerical equivalent of dylexia and consists of a person's inability to conceptualise numbers and number relationships. Professor Mahesh Sharma, for the BBC, described one manifestation of dyscalculia being a person having difficulty "Dealing with exchange of money; handling a bank account, giving and receiving change, and tipping."

    I regularly require help at Barclay's branches to fill in lodgement slips and other documents. Unfortunately, and to my shame, my bank account with Barclay's regularly exceeds it's overdrafticon limit. My inability to properly understand bank statements, the online banking screen and other financial statements means that I am not always able to keep an accurate picture of my account's situation. Consequently, I am frequently charged referral fees and returned payment fees by Barclay's bank. During the phone callicon in question, I asked the telephonist if there was any way to reduce the frequency and severity of these charges and I explained to her my numerical disability.

    The Barclay's employee's response of "Numerical dyslexia? That's a new one. Maybe you're just stupid?" was, I am sure you will agree, a great shock and I took unbelievable offense at her insensitivity and prejudice.

    Despite my efforts to put this incident behind me, I am unable to forgive this person and Barclay's bank for her attitude and I am writing to inform you of my decision to close my current account with Barclay's.

    I have made steps to pay off the overdraft on my account, and I have cancelled all Standing Orders and Direct Debits.

    I would, however, appreciate your comments on this matter by return.

    Yours,

    Holteender.
    Should be an interesting response.


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    Default Re: Holteender vs Barclays Bank - My patience ran out

    @ Holteender.

    That is a cracking letter. Congratulations. Just brilliant.

    If this has been useful to you, please click on the scales at bottom left of post. Thanks.

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    Default Re: Holteender vs Barclays Bank - My patience ran out

    I complained to Barclaysicon about how i was spoken to on the phone last week.......there response was a bunch of flowers:cry: think they have an account with flying flowers lol

    Barclays claiming £5269.63
    LBA sent 17/05/2006
    money claim filed 31/05/2006
    court date 8th September 2pm
    offered full refund 1st Sep
    money credited to account
    2nd September

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  15. #15
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    Talking Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by maisielou
    I complained to Barclaysicon about how i was spoken to on the phone last week.......there response was a bunch of flowers:cry: think they have an account with flying flowers lol
    you should write back and say you didnt like the flowers and due to this you will have to unfortunately charge them and that if they are having financial difficulties you are here to help once you actually get through and charge them again.


  16. #16
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by maisielou
    I complained to Barclaysicon about how i was spoken to on the phone last week.......there response was a bunch of flowers:cry: think they have an account with flying flowers lol
    Mr Barclays will find a bunch of flowers in a very uncomfortable place if he thinks I can be placated so easily...


  17. #17
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by Holteender
    Mr Barclaysicon will find a bunch of flowers in a very uncomfortable place if he thinks I can be placated so easily...
    Go for a couple of bottles of Jack Daniels.

    (P.S. If you get them, give me a shout, I'll come and help you with them. )

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  18. #18
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by Holteender
    Got the bog standard reply to my Data Protection Act letter. Cheque is returned, but the bank are giving their "we know nothing" reponse about manual intervention. Statements will follow in a few weeks.

    I've gathered statements from various drawers and piles around the house. Just a quick question.. Does a "Paid Referral Fee" of £25 count as an illegal charge?
    Claim back......

    PAID REFERRAL.
    UNAUTH O/D FEE.
    UNPAID OUTS.

    Also, if you're feeling brave, you could add up the debit interesticon as well, but it's a pig to calculate and will only represent a small percentage of your claim figure.

    Make sure you add the 8% interest at the Moneyclaim stage.

    If this has been useful to you, please click on the scales at bottom left of post. Thanks.

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  19. #19
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by Rooster-UK
    Go for a couple of bottles of Jack Daniels.

    (P.S. If you get them, give me a shout, I'll come and help you with them. )
    I knew I liked you Rooster Now I know why


  20. #20
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    Default Re: Holteender vs Barclays Bank - My patience ran out

    Quote Originally Posted by Rooster-UK
    @ Holteender.

    That is a cracking letter. Congratulations. Just brilliant.
    Spoke to someone today at Barclaysicon.

    Full of apologies for the comments of the telephonist and have offered to refund 2 paid referral charges and 2 unpaid item charges by way of apology.

    Total: £130.

    The word "derisory" is not strong enough.

    Can anyone recommend a further action I can take on this matter?

    ps. I know its off topic with regards the "raison d'etre" of this site, so if you want to talk to me via PM or tell me to shut up, feel free



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