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4/10/06
received a letter from a one Peter Townsend returning the cheque and basically saying the statements would arrive soon.
part of the letter threw me a bit but im hoping this is just a standard thing they send out now...
Originally Posted by Peter Townsend
As regards your mention of "manual intervention", the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore in the context of managing of day to day transactions arrising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the Data Protection Act. Whilst aggregated information is retained for statistical purposes, this would not constitute personal data under the Data Protection Act and therefore would not be covered by a s.7 Data Protection Act Subject access request. For the avoidance of doubt the fact that we do not generaly record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention"
I find that last bit slightly worrying? should i be worried by this?
so anyway. today 9/10/06
Received 3 envelopes stuffed with statements.
we have gone through them noting the Paid Referals, Unpaids Out and Unauthorised OD fees and entered them into the Basic Bank charges spreadsheet as found here... http://www.consumeractiongroup.co.uk...eadsheets.html
Its giving a total of £2810.00 back as far as Nov 2000 with an 8% interest of £534.48
Im a little confused as what to do next. Do i just enter these two figures into the preliminatry reproach for payment letter as shown here?
I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .
Hope someone can help me with these couple of questions so we can take this to the next stage.
Good afternoon. Your next step should be to send the schedule of charges spreadsheet. You need to make sure that you aren't chasing the 8% interest at this point. This only comes into play if you file on money claim. The interest that is mentioned at this point is the interest you have aacrued whilst you have been overdrawn due to the bank stinging you with charges. Also, I amended the spreadsheets once I had entered the data and made two copies of it. One with the 8% when you file and one without for now. Print the one without 8% on now and enclose it with your polite preliminary request for payment. Hope this helps. If I have helped, please click on my scales!! Good luck, let the quest begin
If you think I have been any help at all, click my scales, go on.... You know you want to!
LLoyds: (Husband) - *Settled in full* 20/12/06
Halifax: (Mum) - *Settled in full* 05/12/06
Studio: *Settled in full and more* 09/12/06
GE Capital - *Settled in full* 16/11/06
Barclays: - *Settled in full* 04/01/07
Capital One: - *Settled in full* 02/02/07
MBNA: - *Settled in full* 30/01/07
Yorkshire Bank (Friend) - *Settled in full* 30/06/07
LLoyds TSB x 3 in progress (Friend x 2 and Husband again)
Abbey National in progess (Friend)
Its giving a total of £2810.00 back as far as Nov 2000 with an 8% interest of £534.48
No. What you do is edit the text to:
"I calculate that you have taken £2810. I am enclosing a schedule of charges ..... etc"
unless you are claiming the interest they have charged you. Don't get confused with the 8% interest. That's not in the game at this point. I think I can safely say that the majority of people don't go for the interest charged in the statements as it's abit fiddly to work out. But, that's up to you. I didn't because in my case it didn't add up to much.
When you print out the schedule, you should "set print area" in the excel spreadsheet but don't include the "days since offence" and "Interest @ 8%" in that area.
dene
Good Luck, but, if you need any clarification, ask here.
If you're happy with the advice, click on the scales on top right of this post.
Don't be nervous - it is a bit scary taking on such a huge company. You are not the first remember, many people are going through this with you and you can follow the threads of those in front of you.
Just stick to the step by step guide and hold your nerve and be patient. It wlll take a long tme.
Spotty
Statement request 4th May
Prelim Letter sent 24th May
LBA 7th June
Thanks but no thanks letter sent 22 June
MCOL 22nd June
Claim acknowledged 26 June
AQ sent 2nd August
17 Nov Court Date Set for 29 Jan 2007
Settled in full 12/12/06
Ok received a letter from Head Office Customer Relations...
May I say how sorry I am to learn that you feel the bank charges you have incurred are unfair. In your correspondence you have refered to elements which you feel support your claim. Barclays is aware of the information you have drawn to out attention. I must inform you, however, that we disagree with your view.
When an account is opened with us, our customer is provided with a copy of the terms and condition relating to the use of their account including details of our charges. This information clearly explains our obligations to our customers as well as their obligations to us. If we make any changes to the terms and conditions we provide details of these changes to our customers in line with the Banking Code. Details of our terms and conditions along with our charging tarriff can be obtained at any of our branches or via our internet site www.woolwich.co.uk/barclays.co.uk.
Despite my comments above in relation to your views, on this occasion, and without any admission of liability, I am willing to offer the sum of £1000 towards the total amount you are seeking. This is with the cost of inconvenience inherent in a further dispute in mind and is intended as a gesture of good will, in Full and final settlement of your complaint.
So I send a letter back accepting the £1000 as a part settlement but say will be still going ahead with the claim for the rest?
9/11/06
Sent letter as response to offer of £1000 rejecting it as a Full and final settlement.
Ok so now with the dealine coming up. I need a few things clarified if someone would be so kind.
When I make a claim using MCOL on the website. What happens next?
do i need to send a copy of schedule of charges (including 8% interest) to BOTH the MCOL people and to Barclays bank? If so what addresses should these go to?
Is there anything else i need to send or do at this stage? Im sorry if these are FAQ's but ive read through the site and i think ive confused myself by downloading the Court Bundle found in the library. Just want to make sure im 100% on this before going ahead.
You now need to produce a schedule that includes the 8% interest and you should, after filing your claim with MCOL, send one copy to MCOL by post, and, at the top of that one, you must put your claim reference number which MCOL will have given you. Produce another and substitute the MCOL number with the reference number from the Banks’ letter to you.
Include a letter in each referring to the schedule, and mention that you have sent the other party a copy of this schedule. I have sent every one of my letters by recorded delivery. Some people here say that that is not necessary but I did anyway. It’s up to you at the end of the day.
Here are the addresses:
Barclays Bank PLC
Litigation and Disputes team
Level 29
1 Churchill Place
London
E14 5HP
The Court Manager
Money Claim Online
Northampton county court
21-27 St. Katharine's Street
Northampton
NN1 2LH
Take one step at a time, and you'll be fine.
To follow my case progress, click here to see where I'm at right now.
Received Acknowledgment of Service from Northamton couty court today. The Deadline was the 6th!!
so as i understand it they now have until 20th December to submit a defence? Being that the claim was deemed to be served on 22nd November?
Do i now just wait and see what happens? or is there something else i should be doing over the next couple of weeks? ie I havnt done the court bundle yet so should i wait for them to file the defence or start this now?
If, by now, the MCOL page doesn't show "defended", try clicking on the judgement botton after midnight tonight or in any case before 9am tomorrow and see whether it lets you do it. If it does, it will be dealt with tomorrow. If not, the court may have a backlog of paperwork and it's maybe because of this that they havn't got to the bottom of the pile yet.
To follow my case progress, click here to see where I'm at right now.
Dene vs Barclays ********WON******
letter from the library.
Originally Posted by Peter Townsend
As regards your mention of "manual intervention", the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore in the context of managing of day to day transactions arrising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the Data Protection Act. Whilst aggregated information is retained for statistical purposes, this would not constitute personal data under the Data Protection Act and therefore would not be covered by a s.7 Data Protection Act Subject access request
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Re: Dene vs Barclays
Statement request 4th May
