acestealer v's barclays **WON**

**acestealer** · 8th August 2006 18:12

Hey Guys

I'm new here and need some re-assurance:

1. Received statements from Barclays icon

and totalled up over £2000 from my two account for various unfair charges.

2. Sent first letter with Breakdown icon

spreadsheet attached asking for money back with interest icon

within 7 days

3. Received letter saying they HOPE(!) to get back to me on the 30th August.

4. I sent letter by recorded delivery today saying i had given them 7 days which is reasonable so will be raising a court action in 10 working days if they do not respond within that time frame.

AM I BEING REASONABLE?? IF IT GOT TO COURT COULD THEY ARGUE THAT I DIDN'T GIVE THEM ENOUGH TIME TO LOOK AT MY COMPLAINT.

Similar Threads:

**MARTIN3030** · 8th August 2006 18:23

The reasonable timescale is considered as 28 days.............hence prelim then lba icon

then Court after that.

If you have any doubts do some calculating.

People who follow procedures set out on the site.......are in the main,the ones who have the least problems later........and thats because they understand the process !

**acestealer** · 8th August 2006 18:59

Arrrgggh

Used template off other website and then found this (much more helpful one) after!

Do you think it would be ok to give them another 7 days (and state this by letter) after my previous deadline?

Thanks so much - i'm finding this all really confusing....

**VILLABURD24** · 8th August 2006 19:02

I would stick to the correct timetable, as this seems to work. A week is asking a bit too much as the banks have a lot of cases on their hands at the mo

**acestealer** · 8th August 2006 19:05

Sorry, didn't make myself clear - shall i give them another week AFTER my 10 working day deadline i've already set them? (In total that will make it (5+10+5 working days)

Thanks so much

**acestealer** · 8th August 2006 19:13

Thanks Villaburd for the re-assurance - just worried they're going to catch me out on a technicality

BTW also from Birmingham but now living in very humid London!!

**acestealer** · 25th August 2006 08:36

Hello All,

Thanks again for all the excellent advice i have found on this website.

I'm at the stage where Barclays icon

have offered me £1000 as a part payment. I've said yes, but still want the remaining £1080 back from them....so expecting the standard "you can only have the £1000 as a Full and final icon

settlement".

Pre-empting this i have completed my claim on MCOL and will submit it next week when i here off barclays saying no!

Can someone tell me how i actually send my claim Breakdown icon

spreadsheet to court and barclays? Will i receive something in the post from the courts that i return with the spreadsheet?

Thanks alot guys. Almost one down, 11 to go!!!! Fingers Crossed!!!

**Spotted Dog** · 25th August 2006 13:25

If things go the usual way then after you file on MCOL you wait for Barclays icon

to acknowledge the claim. They normally do this within a few days. By acknoledging they the get an extra 14 days to submit their defence. So at the end of 28 days (they leave it to the last minute) they file their defence. The court will the post you the defence and includes an Allocation Questionnaire which you have 14 days to fill in and return (needs £100 fee if claim is over £1500). When you return your aq icon

you can the send the list of charges with it. I sent copies of my AQ also to Barclays

Spotty

**acestealer** · 14th September 2006 14:07

Hi All

Barclays icon

have offered me £1000 (total claim is £2350). I sent them a letter saying i'd accept it as a part payment but want the full lot back, and they've come back saying it can only be a Full and final icon

settlement.

So looks like i've got to the point where i have to take them to court. I'm getting really nervous now after reading other people's posts.....

Maybe i should just take the £1000???!

I'm worried the banks are going to find a loop hole really really soon.

**paddym** · 14th September 2006 14:53

At the end of the day its up to you its your money i personally wouldnt take it if i were you .hold out issue your court papers on them youll get all your money back eventually they dont want to go in to court these are all stalling tactic .read all the other threads of members who have been succesfull then youll understand better but hey at the end of the day as i already said its up to you !

**acestealer** · 14th September 2006 16:10

i think you're absolutely right and i will. i mean of couse i'd much rather have the whole thing back

but i am worried that this is all too good to be true and they WILL find a loop hole soon

thanks xxxx

**essjaysea** · 15th September 2006 02:56

Barclays

Bank PLC made a profit last year of 3.673 billion pounds. You can bet your bottom dollar that they have instructed the finest legal brains available to find this "loophole".

In short - there isn't one!! If there was, don't you think they would have found it by now?

**mikejames1** · 15th September 2006 13:48

can I just add that my claim is almost teh same amount so will keep an eye on your claim

**lythamlady** · 15th September 2006 19:21

mine is about the same as well so I will be watching as well. GOODLUCK TO US ALL!!!!

**hek** · 15th September 2006 20:40

My husband is also worried about a 'loophole'. I think so many of us have just put up with these charges for years and now we've found out the banks were acting illegally it just seems so unbelievable that we are going to get our money back, we should be getting about £6000 from three Barclays icon

accounts

Hek

**orfoster** · 16th September 2006 01:40

Well you all seem clued up. I have been looking at alot of information over the last few months on this and to be honest they are screwed. There are lots of statements saying they cannot impose a charge which doesn't match their admin icon

fees. You will all be fine, i felt the same with the loophole worry as did others but when the cheque arrives you will be happy.

There is at the moment talk of another test case but from reading this it will be in our favor by the looks of it and reading the legal side of things. The OFT is behind us on this by the looks of it and are challenging bank charges like they have with Credit Cards.

Good Luck to all of you, remember if you win you can donate icon

to keep this site maintained.

**sean28** · 16th September 2006 07:45

Good morning to all,

Interested Orfoster to the quote [There are lots of statements saying they cannot impose a charge which doesn't match their admin icon

fees.]

I like the sound of that statement and would like to find it in a OFT report or other document so I can print it out JUST in case my claim goes all the way.

Please can you point me in the right direction, many thanks and good luck to us all.

Sean28

**acestealer** · 22nd September 2006 08:41

Right i've done it, i raised my court action last night for £2469.

All my fingers and toes crossed that it goes to plan....

**Grimsolo** · 22nd September 2006 13:19

Well done ace

My claim was for £2400 (about the same as yours) but has since risen to £3084 after fees + interest icon

and I have my hearing on november 15. I am not the sharpest tool in the box and I am not worried at all!

Good luck!

Dont worry its gonna be ok!

**acestealer** · 22nd September 2006 14:49

Thanks grimsolo!!

I will follow your case with interest icon

good luck with everything...xxx

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