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adrian1972

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Everything posted by adrian1972

  1. Whoops, Just noticed as i was preparing my L.B.A that i havent put the correct account number on my preliminary letter. It is correct on my list of charges but not on my letter, any advice on this please? Should i send another one just in case as i dont want them having one over on me? cheers
  2. Ok, Quick update, posted my prelimanary letter on Friday 9th March, they received it Monday 12th March. So i guess they have until 26th to come up with the goods
  3. Hi Elmac, Yea sure thats fine, i'm away Saturday afternoon until Wednesday, so if i dont reply in that time i will when i get back, hope you had a nice holiday adrian
  4. Hi Flor, Thanks, your support is much appreciated
  5. Hi Sandbag, Thanks for that, feel a lot better after reading your thread, hope you dont mind me pestering you for advice if and when the time comes. I'm halfway through my spreadsheet, should have it done and posted Friday. Let the battle commence. adrian p.s well done on yours
  6. ok, Update, I received my statements and totalled up my charges and am astounded to say that they add up to.... wait for it...£3800 I cant believe it! Am busy now doing my spreadsheet (prob take me a week) a bit of reassurance would be great now guys, i'm very nervous and stunned by the amount. Adrian
  7. Hi t4ff, Thanks for that, yea i know cheeky b******s
  8. Hi sleepy, I'm waiting for my statements to arrive and got the same letter as you, and after looking through all of the other threads so did everyone else, its just standard bull**** as far as i can see. So i wouldnt worry Adrian
  9. Hi, I got my list of charges I'm after a bit of advice about claiming back these charges that were added to my car loan, 1: Do i use the same approach as i would for claiming charges on a bank account? i.e this preliminary letter; My request I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges 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. 2: Can i claim back charges made for them telephoning me, they charged me £10 bloody quid to leave a message on my mobile. thanks in advance
  10. P.s heres my thread if you want to see how i'm progressing. http://www.consumeractiongroup.co.uk/forum/barclays-bank/65238-dunmore-barclays.html
  11. Definately not, i didn't realise how much was involved until i joined here, especially with Barclays. Wish those bloody statements would hurry up and arrive, i think they are just using the maximum 40 days on me to see if i'll fall at the 1st fence, no chance ! Cant wait to start the fight
  12. Good luck elmac, think we are pretty close together on this one, i'll be following your thread with interest. Adrian
  13. Well done luddo:) Gives me a lot of hope for my future dealings with Barclays
  14. Hi mate, How did you get on with this? i have a loan finishing in April and i'm going to claim back £700 in charges (hopefully). What letters did you use?
  15. The penny's dropped now thanks Peter, does sound very complicated but the spreadsheets are very user friendly. Thanks again Adrian
  16. Hi, Still waiting for my statements but busy planning ahead for my prelimanary letter (step 2) and i'm slightly confused by this: Enclose a schedule detailling the charges you are claiming but do NOT include the 8% interest on the schedule yet. But in the prelimanary letter it says this: I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. This is the bit i'm confused about you are telling them you want the interest but arent telling them how you arrived at that figure? Also am i right in thinking that the schedule is just a list of charges, dates, amount etc? Does the interest remain 8% wether you were overdrawn or not when the charge was made? Phew, sorry for all the questions at once
  17. Hi apl, Thanks, yea i thought of that, yesterday, it just dawned on me :o
  18. Hi, I sent my S.A.R, 24th Jan,(recorded delivery) i then received a letter 3 days later returning my cheque as they would send my statements f.o.c. I'm still waiting for them, though they still have 19 days left. Your call mate but i would be thinking they may have overlooked you. Hope this helps
  19. Hi, About three years ago i had a loan with Benificial, i was charged a couple of times for dd's bouncing and would like to claim the charges back. Slight problem, i dont have my account number, through moving house i've thrown all paperwork away. Is there any way of finding out by writing to them or can i just ask the data protection for a list of charges using my address? Thanks in advance
  20. Hi, Does anyone have any addresses for Capital Bank plc data protection department, i have a loan ending next month and would like to claim back some charges for a returned dd, thanks in advance
  21. Hi Luddo, I'm sure it is, what will be even more satisfying is that assuming i win, Barclays will be paying off my overdraft for me (after i've had a fortnight somewhere very hot of course)
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