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I started action against Barclays on the 20th October 2006, after writing 3 times over a month and a half only to be ignored each time. I'm claiming the relatively small sum of £300. I haven't taken up the option of interest as I decided working it out wouldn't be worth the minimal amount I'd see on top.
Barclays acknowledged the claim on the 14th day, and entered a defence on the 27th day. I am sat with my N149 in front of me, wondering if there's anything obvious I need to be doing. I've got until the 9th Dec to return it, but obviously the sooner the better...
The defence they've entered appears to be the standard stuff - going by other threads I've read.
Hi Phil and welcome. The part of the aq which some Claimants get stuck on is Section G. Here's what I put:
"I am respectfully requesting my claim be heard via the small claims
track. This issue is not a complicated one; it is an issue of fact and
not of law. The issue is only whether the money levied by the
defendant in respect of its customer’s contractual breaches exceed
or even reflect their actual costs incurred. I am happy to pay their
actual costs and I am surprised the defendant did not counterclaim
for these, as I would have paid them without argument. However,
the continuing problem is (in common with the hundreds of other
cases currently being brought by other bank customers) that the
banks are refusing to reveal the details of their penalty-charging
regime, and that the charges they apply to accounts for exceeding overdraft limits and so on are entirely disproportionate to the
actual costs the banks incur. As the banks have a fiduciary duty
towards their customers, they have a duty to deal straightforwardly
and in utmost good faith. Accordingly, I would respectfully ask that
the court in this case, not withstanding allocations to the small
claims track, order standard disclosure. I understand that it is in
the courts discretion to do so. I believe this would bring a rapid
end to this litigation. I have attached the schedule of the charges
I am claiming for to this allocation questionnaire to show a Breakdown of the amounts for the courts perusal.
I believe the case will take no longer than 1 hour".
Good Luck
To follow my case progress, click here to see where I'm at right now.
Well the aq's well on it's way back to the local court, I've checked and there appears to be a variety of lengths of time that people wait - anyone have any reasons why this might be?
phil-99 vs Barclays
on the 20th October 2006, after writing 3 times over a month and a half only to be ignored each time. I'm claiming the relatively small sum of £300. I haven't taken up the option of interest
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