Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I suggest that you spend a couple of days reading the FAQS and the step by step guide. That will answer most of your questions.
This is a self-help forum so you must be prepared to put in the effort, yourself.
You can claim back up to six years. Beyond that you come up against the statute of limitations. To claim back more that six years, you will have to be prepared to stand up in court and prove that the bank had broken the law and then deliberately concealed the fact.
You can claim back.....
UNPAID OUTS.
UNAUTH O/D FEE.
PAID REFERRAL.
ATM charges cannot be reclaimed as these are the charges made by the operators of private ATMs for the use of their machines. These are a legitimate charge for providing a service.
Anything marked as ACCOUNT FEE will probably also be a charge for a service provided and thus unclaimable.
Good luck with your claim.
Regards, Rooster.
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Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.
Some people have claimed further back than 6 years, but you would have to search through to find them I'm afraid.
Please keep your thread up to date so it will help others.
Have a read through the threads to pick up some guide lines, and if you still have any problems or queries ask here or come to the Bear Garden.
Sally x
I Have calculated that the bank owes £1365 i have printed of a standard letter from this site and with it i will be sending a spread sheet itemising all the charges is their any thing else i need. It also mentions interest charged i cant find any intrest charges maybe the account fee takes care of that thanks Steve
Ok Littlesally thanks for your reply if one of the moderators could move it to the Barclays thread if that would be better could you do that for me thanks Steve.
On Thursday morning i will be sending a letter plus spread sheets itemising charges and giving the bank 14 days to respond i will let you know what happens next it will propably be early n the new year before i get a response with the christmas holidays and christmas post thnks for your help Steve
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Today i received a letter from Barclays dated 30th of December. It says that my claim is being looked at and that they will try and respond in the timescale as in my letter. They are asking for more time to look into my complaints and they hope to find a solution within four weeks. The letter all so goes on to say it may even take up to eight weeks. What should i do know any help would be apreciated Steveoc
hopefully you gave them 14 days to reply and hopefully they have.
if so it's onto the next stage.
stick to your timetable not theirs,you have given them ample time to sort it.
good luck mate.
I hve received a letter from Barclays offering me £700 which is half of my original claim i will now send a rejection response letter saying i will acept the £700 but will continue court action until i receive the full amount and give them another 14 days a copy of the letter which i can print off this site is that the correct aproach thanks Steve
The 14 days Could some are now up and Barclays have ignored my letter asking for the full amount they offered me £700 which was half of what i originally asked for they have now had a full 28 days to comply. Do i know start county court action or send them another letter. Could some one point out on the site where i can find the information for the claims pack and how much it will cost for example if they settle out of court do you lose your court fee any information much appreciated.
The 14 days Could some are now up and Barclays have ignored my letter asking for the full amount they offered me £700 which was half of what i originally asked for they have now had a full 28 days to comply. Do i know start county court action or send them another letter. Could some one point out on the site where i can find the information for the claims pack and how much it will cost for example if they settle out of court do you lose your court fee any information much appreciated.
Hi steveoc,
You need to start a court claim now if as you say you have sent a Prelim and a lba. They offerred me £700 as a first offer, then when I refused never heard anything so filed a claim. My first claim was for charges for £1315 and they eventually settled for £1950.73. after adding stat interest and fees for court and AQ. If you haven't already send this: http://www.consumeractiongroup.co.uk...ent-offer.html
Or use the N1 form and file it at your local county court with the fee. This is my preferred route as you have more room for your Particulars of Claim (POC). See here for the N1 form just print and complete: http://www.consumeractiongroup.co.uk...-form-pdf.html
The Consumer Forums
steveoc v Barclays**won**
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Re: question what can i claim back
Originally Posted by steveoc
