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I sent off the letter requesting a copy of my bank statements last week with the £10 postal order enclosed, i then had a letter saying that i didnt need to pay and they returned the postal order, a day later my statements arrived and after going through my bank statement copies from 2000 i have worked out the 'charges owing to me'
I have now entered all the dates and charges applied to me in the spreadsheet and along with the letter from the 'library', i am now ready to post it in the morning!
I hope they will be as quick to reply as they were in the first instance!!!
Exepct standard letters right up to county court stage, you may get an offer of settlement but all the letters you need to deal with this are in the templates section, in the meantime read the longer threads in here to giveyou an idea of what to expect in terms of response from your friends at Barclays. Don't adhere to their timetables! Stick to your own!
Any questions do a search, if you can't find your answer just ask and someone will help you! Stick to all that and you simply cannot go wrong!
I sent my 2nd letter off on 17th October, with a list of the charges owing to me, they have still not gotten back to me, so it has now gone over the 14 day waiting period, do i resend the letter and copy of the charges again??
When you say second letter, do you mean the prelim letter or the LBA? I have read your thread and you havent mentioned sending the Preliminary Letter.
If it was the prelim letter that you sent, and they have not responded within the 14 days then you now need to send the letter before action (LBA).
You will find all letters in the templates library, you might also want to read up on the FAQs which really helps you understand the step by step process.
I've sent the preliminary letter asking for my charges back and enclosed a copy of the spreadsheet, this was sent on 17th October and i havent heard anything back at all, i am now assuming i send the lba letter again with a copy of my charges, they then have another 14 days to reply? i have been reading through all the posts on this thread and it seems Barclays dont pay you back without a fight, its all very confusing really and wouldnt know what to do if i had to take it to court so am hoping it wont go that far, Like an idiot i didnt save a copy of my spreadsheet so i am now going to have to do it again so that i have it ready for the next step, the whole interest that has to be added on for both yearly and daily is something i am not looking forward to working out!!
if all the above is correct and i am sending the right letter, i will let you know when i get a reply!
Ok i have recieved an offer from Barclays, its half the amount of what i originally claimed for, WHAT DO I DO NOW? they have sent a form for me to sign if i am willing to accept the offer, however after reading the threads on here i am a bit dubious to carry it on any further, and am considering taking the money and running, they havent threatned to close my account and have been quite prompt with their replies, i have read through all the 'guidelines' for the several stages of claiming and although i would stand to get double what they have offered me (poss plus interest) i am not sure if i could take it to court and 'keep up' with all the goings on, a lot of people on here seem to be having trouble with barclays, well at present i have had no trouble from them at all, I have signed the form and its ready in the envelope to send, i just need to make the decision as to whether to post it??????
If i decided to take it further can i now ask for the interest? as when i sent my original letter with the list of charges i didnt include any interest so is it now too late to ask for the interest?
I know what I would do, but I am not you and only you know what you want. I can tell you, however that you will get it all back if you carry on with your claim and you are also entitled to claim interest too. Furthermore, we'll all help you - you are not alone.
Consider this.
Why would Barclays offer you even so much as one single penny if they did not have to?
Keep us posted on whatever you decide and please come back and ask any questions you have.
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
i have printed off the letter to reject so now its just a case of deciding, i guess the way i am thinking at the moment is that its christmas and the money they have offered would come in very handy and it will be put into my account within 7 working days, however i am not satisfied that i am only being offered half, i have printed off the rejection letter, do i have to include a list of charges in this again? and do i put on the interest i 'will' be claiming if they 'do not pay up'
No more letters after this rejection letter - if they do not reply within a reasonable period, for example, 7 days, issue a claim - you have already given them lots of time.
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
I have just checked the website for the charges will it really cost me £120 to initiate a claim in the small claims court?? the total they owe me before interest is £1,800
I have printed off the rejection letter and a list of charges including interest do i now add to the rejection letter that they have 14 days to respond to my rejection otherwise i shall be proceeding to file a claim with the small claims court which will then include 8%interest and my court fees??
This is the rejection letter i have printed off, the bit at the bottom in pink is what i have added does this sound ok?
Thank you for your letter dated **th November 2006
I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £*****I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a county court claim if necessary.
I have included a copy of my list of charges with this letter, I would also like to make you aware that if I have not received a reply from you by 04/12/2006 (14 days) to which there will be no extension to this timescale then I will be proceeding with a court claim and I will also be claiming the 8% Apr shown on my list of charges as well as my court fees .
I just wanted to ask has anyone as yet refused the banks initial offer but also said they are willing to accept a minimum of x amount to save it having to go to the courts?? and in the long run costing them more? thought i might try that approach next?
The banks are much more afraid of court than you should be, as evidenced by the figure of £4,204,704 refunded to 3619 people on this site alone with not a single case being heard in a Court.
I would give them 7 days in your rejection letter, you have already given them 14 days in your prelim and a further 14 days in your lba - if they have still not paid you, then sue them.
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
The question that i asked was....... has anyone declined the offer but given them a figure that they are willing to settle for thats less than the original claim, (eg) claim for 1000 they offer 500 you agree to settle for 800
Chell1981 v's Barclays **SETTLED**
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Re: Chell1981 v's Barclays
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