Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Posts posted by adrian1972

  1. Morning slick,


    Thanks for the reply, does this sound ok to add?



    Dear Ms Nickolls,

    Dispute re Additions account


    Thank you for your letter dated xxxx.


    Please send me any document which shows that I applied for, or specifically agreed to, Additions status.


    If you cannot provide this, I trust you will agree to a full refund of the addittions fees as previously requested.


    I have enclosed an up to date schedule of charges i believe you took without my permission, totalling xxxx


    I will give you a further 14 days to reflect on this after which LBA etc etc


    Yours sincerely,






    p.s that was the spelling on the letter but i wouldn't be surprised if a barclays employee couldn't spell their own name

  2. hi slick,


    The reply was from Kathryn Nickolls, Customer relations case manager.


    It says in the letter...


    At present your monthly account statements clearly state that your account is an additions account and that £11.50 is debited from your account each month. (no it aint, its £12.50). All statements issued since March 2000 have been clearly titled additions account (wrong again Oct 2003).


    In further support of the banks decision, our records state that you have utilised your additions overdraft facility of which the first £250 has been completely interest free. The remaining overdraft (also used) has incurred a preferential interest rate.


    Yea slick i wouldn't have been overdrawn if it wasn't for their charges in the 1st place.


    Thoughts on my next move?





  3. Just a quick update on this, I sent my schedule and letter on the 31st so the 14 days is up, got my lba ready but am reluctant to post as i received a reply crossed in the post from Barclays. Basically it says that i did use the additions account as i used the free overdraft up to £250, dont know why its taken me so long to notice on my statements etc etc.


    So i'm wordering if i should leave it until the end of the week especially as we had 2 bank holidays in between? Also the b's took another £12.50 on April 2nd when in their letter they stated that my account had been changed.


    Sorry to go on but another thing, i asked when my account was changed to which they replied with totally the wrong date and year in fact (i found out off my statements after). Looks like they just guessed the date and the fee because that was £11.50 in the letter also. They are totally clueless

  4. Thanks slick, english wasn't my strongest subject at school :D


    Still trying to find out about when the additions fees were changed, had a scout about last night but couldn't find anything, would like to get everything in the post Monday morning if possible,






    Edit, sorted 1st jan 09

  5. This is the covering letter i'm going to send with the schedule, thoughts anyone?





    Request for repayment of fees


    Dear Sir/Madam,


    SORT CODE: xxxxx



    My request


    I am writing to you concerning the above account and specifically relating to the 'Additions' fees you are levying on this account.

    I have tried to have this rectified at branch level, but the staff appear to be untrained or unable to deal with this matter.

    I am not aware that I had previously requested this 'service' from you and subsequently insist on its removal from my account. Please remove it immediately.

    I require ALL charges for such 'service' refunded immediately.


    Please note that I deem this account to be in dispute and request that no charges or interest be added to it until this matter is resolved.

    Finally, please take note that this issue is in no way related to any of the provisions set out in the current High Court “Unauthorised Overdraft Charges Court Action” and as such, will be dealt with separately.


    What I require


    I calculate that you have taken the total of xxxx

    I enclose a schedule of the fees which I am claiming with this letter.


    My targets to resolve this matter

    I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

    I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.


    If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.


    After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.




    Yours faithfully,


  6. Tai Hing Cotton Mill Ltd -v- Liu Chong Hing Bank Ltd [1986] AC 80


    (Hong Kong) A client is not under a duty to check statements received from a bank. A court should not introduce a common law duty of care into an area of pre-contractual negotiations where the parties could, if they wished, have introduced such a duty by agreement but had not done so.



    That should do it. :D


    lol bookworm


    Thanks again slick and saintly, great help as always

  7. Thanks again slick, i've got you.


    Next problem, i'm doing my schedule and have got statements up to Feb 07. I need to know what month the additions fees were changed to 12.50 any ideas anyone? someone who's just got their statements i guess,





  8. Ok,


    Basically i've had 2 letters from Barclays asking for time etc etc. So after reading bazaars thread



    i'm going to use his letter and send it this week. Also i've since found out from statements that my account was changed in October 03, without my knowledge.

    Just wondering wether or not i should enclose a schedule of charges with the letter?


    And, F.A.O of slick i read on another thread you posted on that you should ask for 8% interest s69 i believe, is this right?


    Cheers guys



  9. This is great,


    I'm ready to send my letter off requesting the additions fees are refunded, i'll be using this bazaar cheers. I found out from statements that my account was changed in october 03.


    Incedently, did you enclose a schedule of the charges with your letter?


    This is my thread, would be grateful if you could drop in for some advice







  10. Cheers,


    So after much reading up i'm assuming the simple way is you send a cca if nothings forthcoming then the account is in dispute, then you send a letter offering an f and f? What sort of percentage do people offer as an f and f?



  11. You should send the CCA request to Virgin and it is up to them to find your original agreement. PRINT do not sign your name. If you have no response in 12+2 days then the account goes into dispute and you can stop paying them until (and if) they produce something enforceable.


    I would like to point out that if an agreement comes back unenforceable it does not mean the debt is wiped. The debt will still exist, but Virgin would be unable to pursue further action (i.e defaults/CCJ's etc.). This gives you the upper hand, as YOU can then decide how much to pay them.


    Thanks for the reply Clemma,


    I'll send my CCA request and get looking around the forum for some more info, slightly confused as to how this actually works,





  12. Hi,


    I've ben reading with interest about wiping my credit card balance, just got a question regarding the CCA, my account is currently with Virgin but am i right in thinking that they have to produce a CCA from my original account with HFC?


    Also do i sign my CCA request? read somewhere not to,


    thanks guys

  13. Thanks guys, great help as always. I think i've been paying the fees for at least ten years :eek: and have never used any of the supposed benefits. I'll get the letter written and sent off this weekend, watch this space

  14. Hi,


    Got a bit of a thing going on with MFI at the moment, the story is, i ordered 2 wardrobes and 2 chest of drawers from the Sunderland store on October 6th, with a delivery date of November 11th.


    On the day of delivery the driver phoned to tell me that i should be receiving 11 boxes but he had only 3 of them on his van, i refused the delivery because of this. He then phoned his office to inform them, who subsequently gave me a revised delivery date of December 6th. Not to thrilled with that i then tried to cancel the order over the phone to no avail. I was told to go to Team Valley branch to sort out a refund, long story short, i was told the money would be back in my account within 5 days, it didn't and i still haven't got it.


    I went back up there last night and was informed that because Sunderland closed and was part of the administration/management buy out that i wasn't entitled to a refund before a 28 day period? Is this true? After the 28 day period which will end on the 9th December and i still haven't received my refund where do i stand? Just trying to stay one step ahead.


    Thanks guys, sorry its a bit long winded



  15. Thanks Michael,


    There's nowhere on the form to date it, does that not matter?


    One more thing, i'm going to hand in the N1 to the court, how many copies of my schedule of charges do i give them?




    adrian :)

  16. Hi,


    Quick update and a few questions peeps if you dont mind,


    Posted my LBA and they have until the 10th April, this clashes with Easter, does anyone think i shoulkd give them an extra 2 days before filing my N1?


    On the subject of N1, i've got a few questions, might seem daft but i'd hate to get anything wrong at this stage.



    Charges £xxx.xx

    Overdraft Interest £xxx.xx

    Interest under s.69 County Courts Act 1984 £xxx.xx

    Court Fee £xx.xx


    TOTAL £ xx.xx


    Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.


    1. I understand that i'm not claiming o/d interest so i delete that bit, do i have to put in a figure in the daily interest rate?


    2. Where it says DONT FORGET TO SIGN, do i sign where it says on the form sign, or sign underneath my particulars of claim?


    3. Do i just leave blank the bits about solicitors at the bottom?


    4. So i print off N1 3 times, print off schedule of charges 3 times (including current 8% interest) hand one of each in to my court. I dont send my schedule of charges to Barclays yet, is that correct?


    Sorry for all the questions :-?


    Cheers in advance



  17. ok quick update,


    Was a bit worried about getting my account no. wrong but it doesnt seem to be an issue as i received the bog standard sorry your unhappy we are looking into it blah blah reply today.


    LBA ready for Mondays post :D

  • Create New...