druids36 v woolwich/barclays - Page 2

Druids36 · 19th June 2007, 23:00

hi all,

just done the court forms and will be taking them in tomoro as long as mum-in-law will lend us the money to pay.
our total is £10607.53

wow thats going to help us out a bit but the 4 kids will soon eat that up!!! i can't help but dream of ways i can spend it...............new(er) and bigger car (so no more auguements on who's sitting in the boot), house electric's that are safe, patio........

whats the time scales from here and when and what do we have to pay next can anyone tell us please.

Druids36 · 20th June 2007, 14:17

Well have been down to court and handed everything in. i hope i didn't forget anything.
Decided to put both names on the N1 but was told by the court clerk that we didn't both have to sign it . Do hope that is correct and won't end up a costly time consuming mistake. Oh well can't do anything about it now.
Went for the main london address: 1 churchill place, as it's the head office. so i surpose now we wait and see.
The nice chap at the court did say that the banks are getting tough on the cases now and are defending more, they are fed up of paying out!!!!
Shouldn't have ripped us all off in the first place then should they!

I have noticed that i seem to be typing to myself these days is there anyone out there, have you all given up, jumped ship or just all won your cases and too busy out enjoying yourselves!!!

BARNSIE146 · 20th June 2007, 20:24

I am reading your thread still! I have been claiming off Woolwich Barclays since last june and i got so bogged under I have now sent it to a claims company, who are charging 15%!!!!! My claim is for nearly £15000, so I decided we either did it that way or I couldn't cope and we would get nothing! I didn't want to take the risk of b*llsing up and them taking me to court! We too have 4 kids and by and large need the money!
Good luck and I'll keep reading, my fingers are crossed for you and when you win I will be gutted about the percentage I lost!

Druids36 · 21st June 2007, 12:48

HELLO Some one at last!!!!!!!
nice to know i'm not alone. We considered a reclaim company too, but decided we didn't want to hand over any of our money . Am wondering now if it was the smartest decision ever made!!!!!!!!!!!!!! the stress and trying to keep on top of it all is hard work and with the four kids well you know !!!!!
i seem to come on here to do a simple task then end up spending all night reading threads and doing letters, spread sheets etc! it makes a change tho as it's normally my other half hogging the cmputer all night !!!!!!!!

What stage are you at and is it any quicker using a company??????
keep in touch
druids36

BARNSIE146 · 21st June 2007, 16:08

We've had to go back to the beginning, so they have just sent the first latter asking for a refund. I'll let you know how we get on and I'll keep reading yours.

Druids36 · 24th June 2007, 21:13

hi all,

Had letter on saturday from the court confirming dates.
Woolwich well barclays anyway have been deemed served on the 22nd june so that gives them till the 6th july so start counting.
whenever i think of it i get butterflys but trying to be calm and think happy thoughts! Can't help but think what if ........ no stop it it's going to be ok and we WILL win. it just seem such a long way off.

i bet a lot of you got nervous and look at you all now in winners row with nice blinking WINNER in the title. Please tell it's true...........!

One little question : as we issued in both our names will that mean a Q&A each and will that mean £100 each Q&A too?
cause we had better go out finding some money

welshcakes · 24th June 2007, 21:26

"The nice chap at the court did say that the banks are getting tough on the cases now and are defending more, they are fed up of paying out!!!!"

Well, I wouldn't panic too much about this comment from the court clerk - I'm sure if the banks start turning up/halting pre-court settlements, it will be announced/discussed here on CAG. The banks would turn up with a team of legal eagles and this in itself would cost far more than many of the claims. Even if they won a case, they wouldn't be able to claim costs against the claimant as it's Small Claims Court.

It simply wouldn't make economic sense for them to turn up for a full hearing unless they believed that doing so 'en masse' would hit the headlines and thus deter a huge amount of customers from even thinking about making future claims.

IMO, unless some body like the Financial Ombudsman announces that the banks were justified in charge levels, the banks don't have a leg to stand on ... and they know it.

Druids36 · 24th June 2007, 21:38

i know it's silly to get all worked up about but i suppose we all worry we'll be the one they take all the way. The stand against the masses i mean at some point some one said "hey when we cut their heads off lets stick it on a pole to stop the rest" .
We all worry little old me with no legal sense will be the one. Hope i'm making some sense!!!!!

Druids36 · 24th June 2007, 21:54

Forgot to mention -we have a seperate complaint ongoing with the woolwich on another subject abit long winded but overview it's about how they handled the change over to barclays, members of the customer service staff and a little to do with charges and attitudes! Any way in their lastest letter amongst all the condesending rubbish was this little paragraph:

" Your complaint will be resolved and the account with Barclays corrected once you have agreed to the offer made for the six year charges. I understand that you have rejected the offer made."

We don't know about you lot but we find that a little off

.
as far as we are concerned the two complaints are seperate issues and should be treated a such and feel it's a bit threatening or are we getting paranoid!

welshcakes · 27th June 2007, 12:03

Hi Druids

If your other complaint has nothing to do with requesting a refund for charges then it has no relevance or impact. Treat the two issues as separate. I think it'll be important for you to resist mixing content of any letter you send however do not talk about the charges in your "change offer" complaint matter and vice versa.

If I understand you correctly, Barclay's is stating that they'll only address complaint (a) on condition that you agree to retract your right to a full refund of the charges they imposed (b)

If this is the case, they are most definitely in breach of the Baking Code and you are well within your rights to report this to the Information Commissioners Office which may kick Barclay's into some productive action rather than fannying about with threats and bullish correspondence.

100%WHU · 28th June 2007, 14:52

Hi Druids, looks like we are more or less at the same point as each other. I have started court action against Woolwich/Barclays and mine was deemed served on 26/6/07. Must admit I have never had any offer from them. Can I aske anyone where it says that Barclays are settling + the 8%

100%WHU

welshcakes · 28th June 2007, 22:36

100%

Once you file a claim interest that every claimant is entitiled to (where there is a debt involved) is set at 8% Per Annum under s69 County Courts act 1984 and calculated on a daily basis.

If you want to claim interest you must say so on the claim form.

Barclays/Woolwich are settling before it goes to court however because it has already entered the court system (ie issued), the 8% is unavoidable regardless of whether they settle or opt to lose in court.

All banks know this which is why they understand that the 8% becomes a legitimate part of the claim once it has been issued.

100%WHU · 29th June 2007, 08:18

Hi Welshcake thanks for the info. I did put the interest on my claim form. So when is a good time to phone Barclays to start asking when they will settle?
Also does my interest keep being added until they settle?

welshcakes · 29th June 2007, 09:32

Barclays Litigation Team on the whole, don't seem interested in talking settlement until there's an actual date for a court hearing. If you read the experiences of others Barclays Litigation Team Good or Evil? You Decide..
you'll see that whilst it used to be just claims with less than three weeks to go til court date, recently, Barclays have been speaking to claimants who simply have a court date, even 2 months away.

You're still a long way from this 100% but yes, the 8% interest keeps adding every day. If you used the spreadsheets from this site, each time you open them up, they automatically refresh to show updated interest.

100%WHU · 29th June 2007, 10:01

Cheers again Welshcake. I don't wanna butt in on Druids thread so I will leave it at that.

I do have my own Thread but it seems very quiet on there. lol

BARNSIE146 · 21st July 2007, 09:15

hi druids,
we have now recieved an offer of £9000, but refused and put in an amount we would settle at,£14000 as this is the total charges without interest, and we are now waiting to hear. I hope they will comply otherwise we will have to go down the same route as you with the courts. I'll let you know if we hear anything again.
Good luck with yours, I'm still reading!

welshcakes · 22nd July 2007, 12:49

Hi druids

You haven't update your thread for a while - any news on a court date?

Druids36 · 27th July 2007, 14:20

Helloooooo everyone,
Sorry between poorly kids and myself not too great i've let things slide here. SORRY !!!

Well they Acnoligded on the last day that gave them till last friday.

They then entered there defence with minutes to spair over the internet ( didn't know they could!).

So just today we received our Q and A but with todays announcement i guess it's pointless.

Where do we go from here?? Feeling a little dispondant we REALLY need the money sooner rather than later as things are a little (understatement!) tight and i cann't find a job that fits round hubby's work and kids that won't cost me all i earn in child care fees.

Sorry to moan, a little stressed And the KIDS are on school hols so i know some of you know whats that is like!!!!!!!!!!!!!!!!!!!!! !!!!!!

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.