I have been going though the motions with Barclays since December. It has been a slow process caused largely by me dipping into and out of my complaint. I filed an MCOL for about £8k in June and Barclays entered a defence in time... I have now been told the entire case will not progress until the result of the upcoming test case. Can anybody tell me if there is any way around this or how long the test case will take? Thanks Steve

Just one thing...the interest is based on when I did the spreadsheet in January. Should I be adding more to that figure?

Sorry...resubmitted as I hadn't received any replies! Does my claim look right to you?

I'm about to submit my claim on MCOL. I'd be really grateful if somebody could run an eye over the following particulars of claim, Cheers Steve 1. The Claimant has accounts 7******** and 2******** with the Defendant, opened in 1999. 2. Since 29/12/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges from both accounts has already been supplied. Another copy will be sent to the court. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5.Claimant claims: (a) return of the amounts debited of £7050; (b) Interest per S.69 County Courts Act 1984 of 8% - £1264.87 continuing at 8% until judgment or settlement at a daily rate of £1.83; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

I'm about to submit my claim on MCOL. I'd be really grateful if somebody could run an eye over the following particulars of claim, Cheers Steve 1. The Claimant has accounts 7******** and 2******** with the Defendant, opened in 1999. 2. Since 29/12/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges from both accounts has already been supplied. Another copy will be sent to the court. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5.Claimant claims: (a) return of the amounts debited of £7050; (b) Interest per S.69 County Courts Act 1984 of 8% - £1264.87 continuing at 8% until judgment or settlement at a daily rate of £1.83; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

Thanks for that. As my claim relates to two accounts - one in my name and one in joint names with my partner - should I be submitting two separate claims? Also, is there anybody who could run an eye over my MCOL submissions?

I'm just about to enter a moneyclaim online against Barcyals in respect of two accounts. The total is just over £7k. I first wrote to them at the end of 2006 and it dragged on until February when I gave them 14 days to pay up or else. I received a letter from them saying "You've accepted our offer of £1,000 so the case is closed" That was absolute nonsense. They did offer £1k but I told them to stick it. I telephoned them when I received the letter and they said "No, you haven't accepted any offer." Anyhow, I just haven't got round to taking them to court and would appreciate some pointers about what to do now. Thanks in advance

temptation is to take it - but not sure if that's the spirit!

Hi Chaps I'm in the middle of trying to reclaim all my various charges. My First Direct Account is relatively small beer compared to what Barclays owe me. I totted up on my statements that I was owed about £570 and duly submitted my letter. They replied very quickly promising to investigate and, within two weeks, they have offered me £490. My question is: Should I accept this as it is as near as damn it to the whole amount or go the whole hog. News of other people's experiences would be gratefully received. Cheers s

that's really good to know - thanks! Did you still have a balance with them when you claimed? I have and I'm interested to know if they try to demand repayment and shut the account.

thanks people - i'll get on with it then and keep you posted!

Just curious to know how people have got on claiming for charges on their MINT credit card. Mine total about £650 over the past six years. Mainly for late payment and the rest for over limit. Regards Steve

Hi all I'm just about to pursue First Direct. They sent me my statements very promptly by courier and I have just been through them. Most of the charges are for £30 "Overdraft Fees" which coincide with going over my limit. However, on some occasions I have been charged an "Excess Overdraft Fee" of up to £50 on the same day. Can somebody please confirm that the "Overdraft Fees" are fair game. Also, I still have two active accounts with them. What are they likely to do once I hit them with a claim? Regards Steve

Hi all I'm just about to pursue First Direct. They sent me my statements very promptly by courier and I have just been through them. Most of the charges are for £30 "Overdraft Fees" which coincide with going over my limit. However, on some occasions I have been charged an "Excess Overdraft Fee" of up to £50 on the same day. Can somebody please confirm that the "Overdraft Fees" are fair game. Also, I still have two active accounts with them. What are they likely to do once I hit them with a claim? Regards Steve

I keep reading these threads where people are filing all sorts of bundles to the court. What happens? Do Barclays settle on the steps of the courthouse?