Is Barclays working at the speed of light or what? Sent prelim letter on 18th of Jan. Got the standard bumf at the weekend, preparing to sent LBA tomorrow, just got an offer for £1000. Claiming £2,500, so no dice. Do I send LBA reflecting offer or reject out of hand?

Is Barclays working at the speed of light or what? Sent prelim letter on 18th of Jan. Got the standard bumf at the weekend, preparing to sent LBA tomorrow, just got an offer for £1000.

Has anyone ever claimed back from Halifax 'Repayment Cover' ? I am not sure what it is but it comes to approx £70 per month on my husband's credit card (which is in default and on a DMP). It would be good to know..

Well Done!!

I thought poor financial management and bad luck had got me into debt. Claiming back my bank charges has shown me that without those bank charges, I would have scrapped through the period of bad luck. I am counting down the 14 days(2nd February) from delivery of claim to Barclays. Doing it was fairly straight forward as we had every single one of those bank statements! I must admit that finding you guys here gave me the courage to do it. I have been talking about sorting this claim for 6 weeks. One day on this site and it's all done! You are all inspirational.

I am still trying to get the hang of this thing.. forgive me if it is all in the wrong place. A bit of me is thinking that if we go to court, we should be able to claim the charges incurred on the other side of the failed transactions we were then charged for, the damages would be endlesss..so I guess we will have to settle for settlement!!

Finally bit the bullet and totalled Barclays Charges. £2210 in the last six years, the bulk of that between in 2004/2005. Was unemloyed for 4 months during that time and as a consequence I am now a CCCS debt management programme. I reckon that without the bank charges, we would have survived that period because as you may know, each bounced payment was charged twice(once by the bank and once by the credit card company. Sending the letter in the morning. Hoping that I can have the energy to pursue the rest as well. Don't have such comprehensive records for my credit cards though!