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Thanks! The defence came through today. It's the standard one that has been posted on this forum several times already, complete with rather unprofessional looking spelling errors, etc. Also, there didn't seem to be enough space in the "Defence" section - point 7. is cut off mid-sentence. Point 1 mentions that I never gave them details of the particular account, which I did in my first letter to them! Admittedly, I didn't provide details of the exact charges I'm wanting refunded, but they already have that information (all charges for the 12 months I've had the account). Is this information worth putting this information in Section G "Other Information", or even a list of the specific charges, with amounts & dates in there, or can that be done if/when this eventually gets to court? Thanks, Matt.

So, presumably you're filling out a paper-based from rather than something online, as MoneyClaim physically won't let me proceed to enter a judgement by default? Ack...now getting back from lunch my case has changed its status to "Defence"! Ho hum, looks like I'm in for the long haul!

Well, MoneyClaim isn't allowing me to request a judgement by default, presumably because it doesn't think 28 days have elapsed. The claim was filed on 22/06/2006, the Acknowledgement of Service was filed on 23/06/2006. I make 28 days from the date of filing to be 21/07/2006, unless they mean 28 working days? In which case it'd be 02/08/2006.

Well, there's nothing in today's post either. Could someone tell me what my next step should be? Thanks, Matt.

What with other stuff going on I completely forgot about this! I filed my claim on 22nd June, and an Acknowledgement of Service was filed by Barclays on 23rd June. They intended to defend all of the claim, and as such, I believe, had 28 days in which to file a defence. I make that to be today (assuming they're not talking about 28 working days), and I've not received any paperwork relating to the defence yet. I suppose they could've filed the defence today so I suppose it's reasonable to wait a couple of days for Royal Mail to get the stuff to me. Just out of interest, has anyone else had Barclays fail to submit a defence and therefore managed to get their money back by default?

Bookworm, yes, it should be Burgess v Barclays but as I originally thought they were considering taking me to court I swapped the claimant and defendant round (well, that's my excuse and I'm sticking by it ;-) ). As for the Americanism, I guess that just slipped in after reading far too much about the SCO vs. Redhat case that's going on over the pond! Anyway, the claim has now been submitted. Thanks to everyone who's supplied the invaluable information on this site. Regards, Matt.

Hi. I've refused the initial offer from Barclays and they've now written back with the following: "I am unable to refund you the full amount and it is with regret that you will now be proceeding to the County Court. I appreciate this is not the response you were hoping for, but I hope I have clarified the Bank's position." When I initially read the letter I thought this was telling me that they were going to take me to court, but that can't possibly be right. So, I assume my next stage is to file a claim through Moneyclaim, right? Quite frankly, this is ridiculous. I'm sure it's cost them more in staff wages responding to my letters than the amount I'm claiming. Going to court (which I'm pretty confident they're not actually going to do) is just going to compound their costs further. Thanks, Matt

So why do they differentiate between a car that's been involved in an accident and one that hasn't? If I hadn't had an accident they'd give me my money back as I no longer have the car. Why does having an accident result in me not receiving a refund?

Thanks Craig. Just for the sake of argument, let's say I actually paid them in one lump sum in January 2005. I want to cancel my policy and they say as I've made a claim in that year I'm not entitled to a refund of the 6 months of insurance cover I don't need. Yes, it's clearly stated in the Terms & Conditions that they won't give a refund, but it's still unfair, surely?

About 1 month ago I crashed my car, claimed on the insurance and all was right with the world. Then a couple of weeks ago personal circumstances changed and my wife and I were no longer able to afford the car hire purchase payments. The car went back and as we have no car we tried to cancel the insurance cover. Tesco say that we still have to make the monthly payments until the renewal date (next January) because we've had a claim in this insurance period. I've checked the Ts & Cs and sure enough Condition 5(b) says: So, it's clearly stated that they'd expect the payments to be kept up (as if we'd paid in one lump sum we'd not be entitled to a refund), but is this a fair Condition on a policy? It certainly seems unfair - we're having to pay for insurance on a car we no longer own! Thanks for any advice you can provide, Matt.