Hi, just letting you know that my claim was successfull stecol v Barclays in the Barclays forum. Can this be moved to the successful claims forum so that other users can possibly benefit from the advice i received along the way. Thanks. - stecol

Hi, Just to update you on my 2007 case... 12th January - Initial letter for list of charges for last 6 years posted recorded delivery. Included £10 with this. 15th January - Received letter which explained that the breakdown of charges could not be provided but copy statements for last 6 years could be provided free of charge. My £10 cheque was also enclosed. These would arrive 'within a few weeks.' 4th February - Received copies of all my statements in 2 seperate deliveries which highlighted all 'PAID REFFERAL' and 'UNPAIDS OUT' charges. I produced the spreadsheet using the 'basic template' available from the templates library on this site. 13th April - Barclays received my print out of all charges in spreadsheet. The request was for £2300.00. 19th April - I received a reply. The letter was quite polite and apologised to me for the fact that i was unhappy about the charges. I also asked for a final decision within 8 weeks which they mentioned and endeavoured to follow up this request although there was no guarantee on this. 10th May - Received letter from Barclays offering me £1750.00. After looking at my financial situation and thinking about this, i decided that this offer was acceptable. 19th May - signed return slip and requested money. 25th May - Money was transferred into my Barclays account account listed as 'GOODWILL GESTURE' on my statement. I found this quite amusing but at the same time very happy. Thanks for all the help and guidance i received from the consumer action group forum and i hope my case details will help other users who are claiming back their money. - stecol

Prelim letter and basic spreadsheet (no interest) are both going in the post today...I'll keep you updated. Thanks.

Thanks Sally, this is the spreadsheet i am using. In answer to Michael's post, my question is... Is this formula just calculating the lawful interest or does it work out the unlawful interest charges? I presume it is just the interest for this part as you mentioned... quote: 2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim Thanks for bearing with me on this, maths was never my best subject! - stecol

I noticed on the spreadsheet i am using that the formula works out the 8% apr based on the 'days since offence' column, this is different for different dates evn though the charge is the same. Can anyone explain this? (I can't seem to find the website which i downloaded this from).

OK, i understand that the standard OD charges are legal but a percentage of this is calculated from the illegal charges incurred. At this stage i will leave this off. - stecol

quote 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 I am in the process of completing the prelim letter. I have worked out the schedule of charges PAID REFERAL & UNPAIDS OUT but does this include the overdraft interest? I am happy with the figure i am reclaiming, so i presume removing the OD interest sentence will be ok? eg. What I require I calculate that you have taken £XXXXX. I enclose a schedule of the charges which I am claiming with this letter Is the OD interest the 8% apr? I thought this could only be claimed if the claim reaches the courts? Thanks, - stecol

Ah right, thanks Michael, i think that answered my question. happydogs prelim letter is a lot better so i will use this and also send the schedule of all charges. Thanks. - stecol

Thanks happyolddog. The letter i plan to send is as follows: [iNSERT NAME, ADDRESS AND TELEPHONE NUMBER] [iNSERT DATE] [iNSERT NAME AND ADDRESS OF BANK] Dear Sir or Madam, Re. Account number: [iNSERT ACCOUNT NUMBER] I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to [iNSERT NAME OF BANK]. The charges total £[iNSERT TOTAL CHARGE]. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. Please find a full schedule of the charges with this document. [iNCLUDE A LIST OF CHARGES AND BE SURE TO KEEP A COPY FOR YOURSELF] I look forward for a full response to this letter within 14 days. Yours faithfully, [YOUR SIGNATURE] [YOUR NAME (PRINTED)] The letter you mentioned... (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html) This also says include the charges sheet. Should i just send the letter and send the charges spreadsheet printout at a later date? - stecol

Hi Sally, I have been putting this off for a while so have had a chance to read up about it and i now realise that at the end of the day the money is mine. I finally got round to filling out the spreadsheet today, on a bank holiday aswell, how ironic! Thanks. - Ste

Ok, ive received my statements for the last 6 years from the Barclays data team although the charges were not itemised, they simply returned my £10 cheque and bunled all the statements into 2 envelopes which i received about a week apart from each other. It was easy enough for me to mark out the PAID REFERAL and UNPAIDS OUT from these though. I was waiting about 3 weeks for the first package to arrive. I have now filled in the basic charges spreadsheet available from MoneySavingExpert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more and plan to post this tomorrow. I also used the template letter 2 from this site and will include that with the charges spreadsheet. I am not claiming interest at this stage. Hopefully i should hear back within 14 days. Thanks for the support from the consumer group, i'll keep you updated - stecol