Thanks Noomill, I just wanted to get it clear in my mind. I assume that i will have to pay a court fee for the counterclaim, do you know where i would be able to find out how much i am likely to have to pay upfront? I am going to have to try and budget for this, I have a feeling its going to be over £100 which is alot for me to find out of my wages. Classylady18

The AOS is going off in the post today One question... how do i counterclaim against barclays? Would i put this on the same defence form as the Lowell Portfolio one or would it be a separate claim? Im abit confused Thanks CL

SORRY THIS MESSAGE WAS POSTED BY ACCIDENT - AUTO LOGGED INTO MY PARTNER'S ACCOUNT Thanks Yourbank, Your response is very much appreciated. I have already put together a letter in chronological order of what has happened, i gave this to the branch manager 3 months ago - but it was only an informal letter (bullet pointed timeline). I ws only really using this as a prompt sheet in the meeting because there have been so many problems, however the branch manager kept a copy. The complaint(s) were then fowarded to the customer relations unit and they have been assessing it over the last 3 months. In this period i have been given nothing - no correspondance or reference numbers at all in writing or verbal. I am currently putting together a formal letter outlining everything - do you suggest i write to the customer relations unit myself? Ideally i would like the loan to be put back on to graduate terms or compensation to reflect the extra interest i have had to pay. As far as i am aware the £100 offered was a final response, however this may not be the case as i have nothing in writing. I understand what you are saying about the member of staff who was dismissed, however when i went into the branch 3 months ago the branch manager told me others have been through a similar situation with this individual and the dismisal was a direct consequence of it. It seems he could have been using underhand tactics to mis sell NatWest's products- at least that is what i took from the conversation. Thanks again.

Thanks Slick. I will get the the AOS done tonight. I am abit unsure of what i write, can you give me any pointers? Also how do i make a counterclaim against Barclays? Would this be on the same form or would it be a separate claim? Thanks CL

Hi Slick, Right i've got some information now. The Notice of Assignment is on Barclays letterheaded paper and reads; We here by give you notice of the assignment of the debt due to us from you in respect of the balcnce of £2581.86 outstanding on your Barclays Bak Plc account. On 30/01/2008 your account was sold to Lowell Portfolio 1 ltd. Any further communictaions and payments must therefore be addressed to Lowell Portfolio 1 Ltd. Then it gives their address as Enterprise House etc.The letter is date 13/02/08. I also had a letter from Lowell Portfolio1 on same date 13/02/08 saying that the account had been sold to them and Lowell Financial Ltd have been appointed as duly authorised collection agents etc etc. On the bottom of the letter it says all communcations and payments must now be addressed to Lowell Financial, PO Box 172 Leeds is given as the address. Which letter am i ment to believe ?!?! Particulars of Claim says the following, word for word... The Defendant entered into an agreement with the Assignor, regulated by the Consumer Credit Act 1974. The Defendant failed to comply with the terms and the agreement was terminated in accordance with the statutory notice of default. The benefits of the agreement were assigned to the Claimant. Debt assigned on 30/01/08 by Barclays Bank Plc. and the Claimant claims; 1. £2518.86 2. Statutory interest pursuant to Section 69 of the County Courts Act (1984) this is at a rate of 8.000% per annum from the 31/08/08 - 18/07/08 £0.00 and thereafter at a daily rate of £0.00 to date of judgement or sooner payment. Agreement 846008400171; 30/01/08 Ref: 846008400171 Interestingly i have just noticed that the Claimant shown at the top left of the Claim Form says Lowell Portfolio 1 Ltd, but at the bottom of the page where the Claimant must sign, it is signed as Lowell Financial as the Claimant and not Lowell Portfolio 1 Ltd. This seems wrong to me??? I hope i havent waffled too much, but my head is buzzin around with all this information! Thanks for all your help everyone, couldnt do this without u!

Okay. I will be back on in about an hour when i get home and put all of the details on for you

Thanks noomill ! This site is great, you are all so kind! I will answer the questions i have missed once i get home, then its wipe the floor time hopefully!!

Hello again, Should I hang fire on sending back the acknowledgment of service?? Trying to worry but not sure when to send it back. Thanks CL

Hello Slick, I recieved a Notice of Assignment from Barclays i think early february, the date it was assigned was on 30-01-08 (my birthday ) As far as i can see tell the debt has been sold, the Claimant is showing as Lowells not Barclays. I do not have the paperwork with me at the moment as I am at work, so i i will let you know the exact wording once i get home. The claim was issued by Northamton County Court. I hope this helps Thanks Classylady18 x

Hi Slick, Yes this was a personal current account. I realise now that i should have issued a claim against them last year but i was facing repossesion and could not afford to pay the fee. (big regret!) Would my schedule of charges still be the same as last year, as the bank account was closed by Barclays before i began the reclaiming process? My o/draft on the account was £900 and the rest was made up of bank charges. They are not adding any other charges or interest. I believe the default was issued by Barclays before i started reclaiming the bank charges. I hope i have answered everything okay Thanks for your help, im feeling a little more positive now!

Hi Thank you for your reply, in answer to your questions.... I did not get to the stage of filing my claim in court. The last thing that happened was a letter from Barclays ladst year offering me £2000 as a 'goodwill gesture' which i declined, i heard nothing else form them after this. I have 14 days from 26th July to return the court papers, i think i get an extra 14 days to prepare my defence but im not 100% sure. I really don't want to get a loan to pay this off but im worried that i wont win in court and end up paying a fortune in court costs. What do you suggest i do next? Thank you for your help

Hello everyone, I really need some advice.... I defaulted on my Barclays current account (£2518 owed) after losing my job (i almost lost my home but managed to sort the repossesion order out...phew!) this was last year just before the OFT case went to court. I wrote to Barclays about my bank charges which were just over £2600, after a couple of letters to and fro they offered me £2000 as a goodwill gesture but would have to settle the remaining £518, i declined this, i never heard anything else from them until a delightful letter came from Robinson Way & Co demanding the full amount. I contacted them and told them the account was in dispute, was called a liar etc etc demanding £150 a month - i hung up and told them where to stick it ! I emailed Barclays (Thomas Hickley) asking why they had given my information to this DCA and requested they recalled my account as it was in dispute- i never got a reply. I then recieved letter from Barclays saying my debt has been sold to Lowells, next day a letter from Lowells, then another 4 or five over the next few months. I really should have contacted them but i have been ill for the past few months and it has taken a back seat. Now i have got home from work and found a County Court Claim issued against me for the £2518 plus costs - the claimant is Lowells Portfolio 1 I am panicking now as i have managed to clear all of my other debts since losing my job and now i face a CCJ even though it is entirely a result of charges. Im really worried about what i should do, can anyone tell me if Barclays are legally able to sell a debt that is 'in dispute' ? Im considering asking my mortgage company for an advance so i wont have a CCJ on my credit file. Any help is greatly appreciated Classylady18 x P.s - i thought i should mention that Lowells have searched my credit file without my consent - is this legal? There is an entry shown on my Experian report by Lowell as an unrecorded enquiry

Hello everyone, im sorry to hijack ths thread but i cant work out how to start a new thread! I too am having big problems with Lowell Portfolio 1. I defaulted on my Barclays current account (£2518 owed) after losing my job (i almost lost my home but managed to sort the repossesion order out...phew!) this was last year just before the OFT case went to court. I wrote to Barclays about my bank charges which were just over £2600, after a couple of letters to and fro they offered me £2000 as a goodwill gesture but would have to settle the remaining £518, i declined this, i never heard anything else from them until a delightful letter came from Robinson Way & Co demanding the full amount. I contacted them and told them the account was in dispute, was called a liar etc etc demanding £150 a month - i hung up and told them where to stick it ! I emailed Barclays (Thomas Hickley) asking why they had given my information to this DCA and requested they recalled my account as it was in dispute- i never got a reply. I then recieved letter from Barclays saying my debt has been sold to Lowells, next day a letter from Lowells, then another 4 or five over the next few months. I really should have contacted them but i have been ill for the past few months and it has taken a back seat. Now i have got home form work and found a County Court Claim issued against me for the £2518 plus costs - the claimant is Lowells Portfolio 1 I am panicking now as i have managed to clear all of my other debts since losing my job and now i face a CCJ even though it is entirely a result of charges. Im really worried about what i should do, can anyone tell me if Barclays are legally able to sell a debt that is 'in dispute' ? Im considering asking my mortgage company for an advance so i wont have a CCJ on my file. Any help is greatly appreciated Classylady18 x P.s - i thought i should mention that Lowells have searched my credit file without my consent - is this legal? There is an entry shown on my Experian report by Lowell as an unrecorded enquiry

Hi I'm not sure if this will help, but i had dealings with this awful 'company' for my Council Tax arrears. I too had those letters left at my address, when i conatcted the bailiffs to ask for the breakdown in their fees, they said " pay up and we will send you the breakdown" i was very upset as i only owed £220 and was being asked to repay £928! They threaten to bring a van round and take my things etc etc After numerous calls and lots of repeating myself to my local council in Telford and explaining to them that the amount B&S were asking for was over £700 more than the original amount and also clarifying what i actually owed to the council i managed to get them to agree to me paying them the full £220 to the council. Thet were shocked at the amount they were trying to get from me and said they would be making a note of this case. They then contacted B&S and told them to withdraw any action against me. It might be worth speaking to a manager at your local council tax office? I hope this helps and best of luck, Classylady18

Hello everyone, Im new to this so please bear with me! Im claiming £2675.00 worth of charges which Barclays have charged over the last 6 years on an account that defaulted last november. Basically i lost my job last year just 2 months after purchasing my first home...as you can imagine i got behind with my bills and subsequently ended up with an overdraft of £2518.00 (my agreed overdraft was only £1000..ouch!) So far, I have sent off 3 letters requesting my charges back, the last letter being the LBA. Eventually after a couple of standard letters from Barclays stating that they're 'looking into my complaint' i recieved a letter back from them just over a week ago offering me £2000 as a gesture of goodwill, but the money will be used to reduce the outstanding debt i have with them. It goes on to say that i have 8 weeks to respond and asks me to sign to accept the offer. I'm in two minds what to do because, yes it is great to have £2000 knocked off my debt with them and only have £518.00 left to pay but the charges i am reclaiming amount to £2675.00 so really they are making money out of me. I was thinking of writing to them and requesting that they repay me £2518.00 and use it to wipe the debt i have with them and request that they remove the default from my credit file. Do you think is reasonable? What are the chances of them accepting this? Any advice would be greatly appreciated! Thanks Classylady x

Hi, i havent posted on here so im hoping i've posted in the right place! I'm currently pursuing Barclays for £2695 of bank charges so a couple of weeks ago i decided to open a parachute account with NatWest and applied for the Step Account. Within a day of applying online I recieved a letter from them telling me my application had been processed and welcoming me to Natwest. It also showed me my account number / sort code etc, all i needed to do was sign the form and send it back which i did straightaway 2 days later i had another letter from Natwest welcoming me to their online banking service - great i thought... i'll change my bank details tomorrow with my employer so my salary can be paid into my new account. However...the next morning i had two letters from NatWest ; 1. Stating that my application for a Step account was unsuccessful as i didnt meet their critieria and a leaflet about credit scoring 2. A statement of my account showing that i had opened the account on 4th June, then it said account closed on the 5th June... I was really confused because surely they cant open and account send me all the online banking stuff and then close it ?!!? Has anyone else had this problem? Im guessing its because i am claiming charges from Barclays??! Im not sure what else to do now as i still want another account that offers a debit card.....any ideas guys? Thanks in advance... Classylady18 x