Keep on chasing and good luck!

Cheeky bugger! Stick to your court date, and make sure you are prepared before you go away. He will settle before so tough that it's more work for him... he could just PAY YOU - that's less work!

Thanks Micky, you are right having the decree helped, but at the same time, knowing that they were not heading off to defend the charges gave Barclays a strong position to contest the CI... Anyways, I am glad to just have the charges back, and that would always have been enough, but I guess I wanted Barclays to pay some kind of compensation for their down right ignorance of ignoring all my letters and for dragging everyone through the mill for up to 6 months!!! Good luck to everyone else!

A donation on it's way...

Thanks again for your advice which enabled me to negotiate with more understanding of what I would have been likely to acheive in court.

I WON!!! http://www.consumeractiongroup.co.uk/forum/show-post/post-974402.html Thanks Dino :grin:

Horay for Dino!!! He accepted my final offer based on the "Authorised Overdraft" rate of 15.6%!!! Will fax the offer back, with the "HUSH" terms crossed out! So more encouragement to the speed & professionalism of the Barclays Lit Team aka Dino! Mod / SH ---> Please change title to ***WON*** THANKS :D :D

Ahhhhhhh... the waiting is killing me!!!

It Is Really Hard To Type With A Capital Letter At The Start Of Each Word... How Do You Manage It. BTW - You're doing great - good luck!

Firstly - Relax! Secondly search on here for "Charges beyond 6 Years" you will notice that many people have successfully reclaimed further back than 6 years under the argument that the limitations act does not apply, becuase the Bank deceived you into thinking the charges were lawful when in fact they are not. If you look in the FAQ's in RED on the Forum homepage, you will see the arguments for going back further than 6 years, and you should get all these back! Good luck!

No response yet!!!

And so my last ditch attemp at reaching an agreement... Funny how I seem to be doing all the negotiating!!! I thought it was a 2-way thing! Hi Dino ;-)

And so Dino's reply... Firstly, I'm a little insulted that he thinks I couldn't calculate the rate at 8%!!! Secondly, he confirms that he's a regular reader - wonder what username he uses?!? Thirdly, HI DINO!!!

Thanks again for your comprehensive reply. Particuarly your reference to "Compound interest" at common law. As such, I have re-opened negotiation with Dino by removing the compound element of my claim. My e-mail below:- I think that this little snippet of information regarding compound interest should be made more clear to new claimants. It seems to me, the best thing the banks can do, is not enter a defence, then when a hearing is held PURELY to determine the costs to be awarded the compound element will be thrown out. This means that the issue of charges will not be brought before a judge, but the claimant has to justify his/her claims. And if you are correct, then this will only ever amount to Claim + 8% + Court Costs. And I know for sure that the banks are happy to go along with this as they have made a lot more than 8% on my money while they had it!!! The banks are simply not being brought to bear in the injustice which they are commiting... and I await the day that a proper trial is heard! >> RANT OVER

Hi Gary, Thank you for your informed reply. Certainly something to think about! One question for you though, as a decree for assessment has already been awarded, there is no "case" to speak of. I am purely requested to appear in front of the judge to explain how much I am claiming and why. Barclays are not expected to defend this, but should they wish to attend, they have to notify myself & the court in writing. As such, surely any costs that they incur are at their own liability and not mine. The hearing would have happened even without their appearance. If what you say is true regarding the precident that has been set, then I would only be awarded stat int @ 8%. Which would put me no more worse off than the current offer. For this hearing would I still be expected to explain WHY I am reclaiming the charges (standard bundle) or should I be more specific to how I came to the totals that I have? If the general census amongst all the admin is to drop the cause for Contractual Interest, then I will do so. Thanks again, boba

You can't claim the additions charges unless you were misold the service. As this is a fee for a service, not a penalty charge.

ZOOT... Sorry to hijack a thread, but your comments / advise would be welcomed... http://www.consumeractiongroup.co.uk/forum/barclays-bank/62298-boba-fett-barclays-bank-2.html#post940889 Thanks Boba

Ooohhh... just had a somewhat short email back from Dino, who has until now been very accomodating. http://www.consumeractiongroup.co.uk/forum/barclays-bank/62298-boba-fett-barclays-bank-2.html#post940889 I guess it is a lesson not to forget who we are dealing with... Barclays Bank! So anyone who has won contractual interest either in or out of court willing to provide me their details? If so, please PM me and we can talk further. THANK YOU IN ADVANCE!

errrr... have you not seen the news... half of the North of England is now technically a lake! But, I am over in Northern Ireland, so thankfully I don't need new carpets!

Good luck with your claim, and you are welcome to my letter templates if you wish! You may decide not to claim for the "Unauthorised Overdraft" rate depending on the outcome of my claim, but I am going to see it through either way. Be carefull also, as you will need to make an MCOL application using the UK system, and will need a UK address to do so. Also be prepared to catch a flight over if you need to! Good luck, I will follow your thread with interest (pardon the pun!) Boba

So Barclays are sending a legal bod from Fountain Court Fountain Court - Practice Areas - Banking & Finance to defend my claim for charges + Unauthorised Int + Court Fees. I imagine the cost to Barclays for this service far exceeds the refund I had requested, which seems a very odd finacial decision to make. Also, Barclays have to write to me & the court that they intend to attend the hearing - so that should be interesting to see if they do so. Also, as a decreee has already been awarded pending assessment, I will walk away with a minimum of my claim + 8% + Court Costs... Just means I have to wait a while...

Final response from Dino just received:- :eek: :eek: Did I pi$$ him off?

My response to the last e-mail from Dino... Any comment at this stage... Thanks Boba BANKFODDER - YOUR COMMENTS WELCOME AT THIS POINT

OK, so e-mail back from Dino as below:- He attached a case summary of Cank vs Halifax, where the contractual interest was not awarded, however this was a badly presented case, which was based on reciprocity, which has no legal founding. As I have already been awarded the "Decree for Assessment" I have in effect won my full claim at 8% plus all me fees, so I would be interested to go to court anyway to see how the legal argument is received, however I have made one final counter-offer in the interests of settling outside court.

WELL DONE - WOOP WOOP. Dino is a good man... just waiting for my Barclays Savings Fund to Mature also!