Ta for that H

I am at the LBA stage. I have printed out the list of charges I'm claiming with 8% added on, is this correct? I have used the standard LBA letter on this sites library with the relevant details filled-in. Anything else I should or shouldn't be doing? H

Thanks muchly. H

The N1 and MCOL are for claims through the courts surely, if Barclays cave in and say they'll pay after the claim letter do I add the interest then? H

OK if it doesn't go to court (hope) at what point does the interest get added to the claim? H

I'm sending my claim in today; late due to time constraints. We're advised to leave out our calculation for interst on the schedule of charges but it is included on the claim letter. Why? H

I am only today sending my claim to Barclays. Time constraints. A question: We're told not to include our interest calculation with the schedule of charges yet it appears on the letter for the claim. Why? H

Many thanks for the prompt replies. I'm making my claim up today to send tomorrow, hopefully. H

The bank's reposte to claims is that their charges are for services. Should we ask what are these services that we've paid for H

Ta saintly_1 So what should the arguement be to give in court? The charges are not service charges, but penalties, and go against the banking code or what ever? A lot has been made by Martin Lewis and others that the banks may charge to recompense themselves for notifying you of your breach of contract; that is going overdrawn or a bounced cheque, but they are charging inexcess of that expense incurred. Should we accept that the banks can make charges but that the charges made are excessive and therefore not legal? H

I have been waiting a while to see how the tsb Berwick case panned out. I've seen little since the failure of his case hit the press. I have however seen that he is appealing the judgement. Have any claimants succeeded in reclaiming charges since Mr Berwicks failure? I'm about to send off my claim against Barclays. If it goes to court what are that specific reasons to claim the charges made by the bank are illegal or unjust? It seems to me Mr Berwick didn't convince the judge of the legal reasons why the TSB's charges were illegal. Also who should I address my claim to at Barclays? FYI An article from the Daily Telegraph:- Bank charges: the jury is still out | Personal Finance | Money | Telegraph

Thanks very much for ONEOFAKIND H

I have totted up my charges and put them in a spread sheet. What do I do about the interest, and how long do I give them to pay up? H

Well the statements arrived. Now it's a plod through six years of records to process the charges through the spread sheet. What time scale should I be looking at for Barclays to come up with he goods? H

Ta for that. H