Thread: Fullyskinted vs Barclays **WON**

Best bet is the Step By Step Instructions thread.

Good luck.

Right. Ive beena bit slack on the initial kick off of this, but finally sent the SAR off today. So off we go.
Im convinced Im gonna be hitting over £5k as I have 2 accts with Barclays and I know for a fact that one of them (my current acct) has been taking a hammering the last 2 years...

So, if I do - do I go for the earliest charges first (Say 2000 on up to £4k - allowing for the +18% charges and still keeping within the £5k small claims limit) or work from TODAY backwards???

Do I wait for the first claim to be settled in full to avoid grouping of claims and then pushing me over the £5k threshold of small claims court?

Cheers

Oh and the thread for Instructions doesnt work any more! Any ideas why?

First, I would suggest keeping the two accounts separate - only combine them once you've evaluated them and if the total no more than 5,000 together.

Next, start adding up from the oldest fees first (that way, if you do have to split your claim, you know that your second claim will be for more recent charges which will be well within the statutory limitation period)

Finally, remember that the 5,000 limit applies to the claim amount (the total of unlawful charges) BEFORE the addition of the statutory (8%) interest.

Hope that helps.

Originally Posted by victimnomore

First, I would suggest keeping the two accounts separate - only combine them once you've evaluated them and if the total no more than 5,000 together.

Next, start adding up from the oldest fees first (that way, if you do have to split your claim, you know that your second claim will be for more recent charges which will be well within the statutory limitation period)

Finally, remember that the 5,000 limit applies to the claim amount (the total of unlawful charges) BEFORE the addition of the statutory (8%) interest.

Hope that helps.

Ok that helps a lot. I was planning to work from the oldest date first for similar reasons as you state.
And you have answered the 8% (I think 18 was a type lol) query. So I can actually claim for £5000 then as and when it gets refused and then add the % interest as its not part of the claim - correct???

Thanks again.

Next question. In the Step by Step Instructions, it says "Enclose a schedule detailing the charges you are claiming, but do NOT include the 8% interest on the schedule yet."

So do I just send back the statements highlighted, or create a spreadsheet with all the dates and instances clearly listed?

Yep, up to 5,000, then plus the "section 69" interest 8% per annum (.022% per day) on each charge.
Then the "daily rate" of your before-interest claim (the up-to-5,000 bit) x 0.00022 is the amount by which the settlement figure goes up each day after submitting your claim - it doesn't seem much (a few pence a day) but it adds up while Barclays are going through their stalling tricks.

The "schedule detailing your charges" is the spreadsheet. Don't send the statements anywhere - you might need them later if it gets to court.

At this stage your spreadsheet should not show the 8% interest - if you use Excel you can just leave the extra columns out when you select the print artea.

This is all great stuff guys.

Thanks a lot. I intend to get a lot fo the work done now WRT filling in forms etc, apart from crossing Ts and dotting Is so I can reduce the turn around time when I get the statements and letters etc etc.

Got a letter back from Peter Townsend...

Please see this thread here:
http://www.consumeractiongroup.co.uk...tml#post260156

I have posted up a lot of the content of the letter.

It says the statements will be here in a few weeks (call it 3, thats 21 days). Shall I call them on the number at the top of the letter for an exact date or just wait? ABC. Always Be Chasing

Statements recieved today for the two accts I requested.

Now all I need to do is find the spreadsheet proforma and Ill crack on getting the next step sent off this week. The only trouble is I cant for the life of me find it!

Can anyone help me with the spreadsheet???

Thanks in advance.

I feel like an arse!!! Id forgotten that Id already asked that Q!

Anyway. Ill get on it.

Thanks again.

Right BIG update. If you need further history, please see the other thread started by me. Basically it goes like this:
I have sent the Prelim Letter and lba (as per my sig). Today I recieved a letter offering me £1000 exactly, after putting in a claim for £3k approx.
Im a bit ****ed to be honest. A mate (who started my quest for reclaiming) put in a claim with HSBC for £2300. He had an offer of £1900 sent to him and took it (why not!, whats £400 in the scheme of things?!?)
So, I have a few Qs.
Bearing in mind my acct has been OD for as long as I can remember, and over that for more than a year half the time, is it likely that they will close the acct in the event I am successful? Should I sort out a paracute acct just in case? And if so, what Bank do you suggest? I was thinking of Halifax or Natwest.

Also, they have given me a direct line of a contact to speak to if I am unhappy with the offer. SHould I speak to them and suggest a figure that I would be more happy with (i.e. nearer £3k) - because if it goes to MoneyClaim (I was going to start it over the weekend) then it will add another 8% plus costs - totalling approx £900 if I recall corectly.
So they would SAVE themselves money!
I would be polite and courtious of course!

Any thoguhts from those that have claimed successfully form Barclays with similar amounts? A mate has suggested I take the money and run while Im 'ahead', but Id rather have nearly £4k than £1k!!!

Thanks as always guys.

FS

IMHO don't phone Barclays - always send a Recorded Delivery letter.

If you are worried then set up a parachute account- what have you got to lose.

Spotty