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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BAILIFFS - The Law and Your Rights

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Thread: ***won***

  1. #1
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    Default bank claim

    hi can anyone help me ive sent my first letter to the bank (Barclaysicon) to claim all my charges back but now im doing the second letter how do i work out my intrest ? also can i claim £511 ive been charged for having the account over the last six years?.


  2. #2
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    Default Re: bank claim

    Hello Vinny
    Welcome to the site!
    Take a look at the FAQ http://www.consumeractiongroup.co.uk/forum/faq.php
    and open up a thread in the Barclaysicon section, there you can get all the help you require.
    There is a spreadsheet available to work out your interesticon, to be found in the library.
    http://www.consumeractiongroup.co.uk...lates-library/
    All the best with your claim, keep us posted.
    What actually is the extra £511?

    Crusher



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
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    A&L (Mrs Crusher's account) claim link HERE
    Barclays claim link HERE

    Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.
    IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

  3. #3
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    Default Re: bank claim

    thanks i go and have a look. the £511 is for just having the account at Barclaysicon 6 yearsicon ago it was £6.50 a month and now its £10 a month.


  4. #4
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    Default Re: bank claim

    Is that a monthly fee for a "premium" service? If so, no you can't.
    If it is for going over your OD limit or something similar then yes you can.

    Crusher



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
    Capital One WON Link HERE
    GE capital (5 accounts) WON link HERE
    Lloyds bank account WON second claim starting! link HERE
    Budget insurance cough up WON link HERE
    Principles WON link HERE
    A&L (Mrs Crusher's account) claim link HERE
    Barclays claim link HERE

    Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.
    IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

  5. #5
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    Default Re: bank claim

    its for the privelidge of just having the account.


  6. #6
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    Default Re: bank claim

    In that case, no you can't I am afraid.
    Go for the rest though.
    Be sure to open up a new threadicon in Barclaysicon.

    All the best with your claim.

    Crusher



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
    Capital One WON Link HERE
    GE capital (5 accounts) WON link HERE
    Lloyds bank account WON second claim starting! link HERE
    Budget insurance cough up WON link HERE
    Principles WON link HERE
    A&L (Mrs Crusher's account) claim link HERE
    Barclays claim link HERE

    Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.
    IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

  7. #7
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    Default have i done sumit wrong

    i have sent the third letter asking for my money i followed the guide its now been 14 days and no answer not even a offer of part payment. could anyone tell me if this is normal or am just unluky. also wot do i do now.


  8. #8
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    Default Re: have i done sumit wrong

    It is not out of the ordinary - I presume that you sent the letters by recorded delivery?

    Assuming you did, then just proceed to the next stage - although I am not aware what this "third" letter would have been since the step-by-step only mentions two.

    Alan, Derby, UK.



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    Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

    Advice given is purely my opinion, and is not based on any legal training.

  9. #9
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    Default Re: have i done sumit wrong

    i sent 1 asking for statemants
    2 asking for money back
    3 saying thay have the 14 days to pay it back or i go to court
    i didnt send it by recorded post(very silly)


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    Default Re: have i done sumit wrong

    Not a serious problem, but it reduces any credibility when they claim they have not received the letters. However, a court will accept that they have been delivered providing you have kept copies.

    I would now just move on to the next stage - eventually they will have no choice but to respond.

    Alan, Derby, UK.



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    _________________________ _______

    Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

    Advice given is purely my opinion, and is not based on any legal training.

  11. #11
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    Default Re: have i done sumit wrong

    this may sound a daft question but whots the next stage.


  12. #12
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    Default Re: have i done sumit wrong

    Quote Originally Posted by vinnyk67
    3 saying thay have the 14 days to pay it back or i go to court
    I think you have answered your own question.

    Alan, Derby, UK.



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    _________________________ _______

    Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

    DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

    Advice given is purely my opinion, and is not based on any legal training.

  13. #13
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    Default had a offer

    after the 14 days wer up today Barclaysicon have sent a letter offering £250.00. also a name of the customer relations manager "if im not happy with the offer please call" im going to call and say im very very very very sorry but see you in court.
    can anyone tell me tho iv had 6 more charges since the first letter can i claim for them as well all at this time or do i have to start again for the other amount?


  14. #14
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    Default Re: had a offer

    no you can add them all on right up to court claim 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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  15. #15
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    Default Re: had a offer

    thanks for that.


  16. #16
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    Default Re: had a offer

    Hi

    I am a just a few days ahead of you. I sent my letter off to Barclaysicon yesterday saying thanks but no thanks, I also tried to ring Laurence White to discuss my claim and it's a waste of time, as it took me three days to get in touch and then it was his collegue that called me back to say that basically that was the offer take it or leave it. I have now given them 7 days to pay up or I will start my claim with intrest and court fees. I have also incurred another charge last friday which I have added to my list of charges as you can change the amount up to the point where you do a money claim. I will keep my eye on your progress.

    Prelim Letter sent 4/7 Claiming £650
    Standard fob off letter received 7/7 (promising looking into my claim and would get a response by 31/7)

    lbaicon sent 28/7
    Received partial offer of £430 on 1/8
    Recieved a second fob off letter in response to my LBA giving me another Ref . 3/08
    Sent thanks but no thanks letter giving 7 days b4 starting moneyclaim.


  17. #17
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    Default Re: had a offer

    Soz posted it twice, not very good at this


  18. #18
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    Default Re: had a offer

    lol im not the only one that does that then .
    thanks i send a letter back saying no thanks then.
    hope yors goes well.


  19. #19
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    Default started my money claim

    just filled in my claim on line its easy to do.
    could anyone help as whot will happen next ?
    many thanks


  20. #20
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    Default Re: started my money claim

    Barclaysicon wil probably acknowledge in the next few days - this gives them 28 days to file a defenceicon. At the 28 day point they will defend. The Court will then send a copy of the defence and an allocation questionnaire for you to fill in and send back wthin 14 days. Then you wait maybe 3 weeks until the court tells you when you get a hearing or whatever.

    You will have plenty of time to read the posts in the forum to see what happens.

    Spotty



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