cheers Falcom, ive just checked your thread and my defence ive received is 98% identical to yous (seems less scary now) good luck with yours

ah thanks once again. i knew id seen something somewhere. ok then AQ and payment will be off asap (depending when the PO opens again after chrimbo!).

received barclays defence today along with an AQ to fill in. Just going through the defence and the first paragraph is 1. The Particulars of Claim do not provide details or particulars of the account in question. To the extent it is alleged that the Claimant inccured bank charges on his account for unauthorised borrowings (whether unpaid fees for returned checks, "paid referal fees" or any other such fees). The defendent puts the claiment to strict proof of each charge and the date thereof. Havnt got my head around the rest just yet but Im presuming thats them asking to see copies of my statements? Be easier to tell them to check on their own system surelly. anyway as for the rest im wondering if its just standard stuff. can someone point me to a thread where a defence from barclays has been posted up so i can compare them? Or would it be an idea to post up the full text here?

Hi, Just been reading about the allocation questionaire thing. Not going to expect mine until january now with the christmas post and all. Is it a flat rate do you know (ie £100) for the AQ ordoes it go up (my claim is over £3500!) Good luck with your claim!!

MCOL is now showing as Defended and judgement was rejected so its now time to get the court bundle ready?

well ive requested judgement on mcol will see what happens. fingers crossed.

thanks for that. much appreciated! looks like im staying up till midnight then. suddenly feel very christmasy

Hello again bit of urgent help please...! Barclays were deemed to have been served 22 nov. 28 days deadline takes it up until today!! Haver received nothing from Barclays since the aknowlegment. So do i go ahead and start judgment on the MCOL site? Bearing in mind the aknowlegment may be stuck in the christmas post? a quick reply of someone would be a great help as i can then go ahead and start judgement (im inclinded to do it anyway mind) thanks

6/12/06 Received Acknowledgment of Service from Northamton couty court today. The Deadline was the 6th!! so as i understand it they now have until 20th December to submit a defence? Being that the claim was deemed to be served on 22nd November? Do i now just wait and see what happens? or is there something else i should be doing over the next couple of weeks? ie I havnt done the court bundle yet so should i wait for them to file the defence or start this now? thanks

so, just registered my claim with MCOL and paid the fee. As i understand it now i need to PM a moderator with my claim number etc?? And now i should start getting my court bundle together? ie making copys of all the statements i received from my SAR?? no going back now :o

well..just went to fill in the MCOL form and was amending the one found in the library when i noticed the first item in my schedule of charges is now 6 years and 1 day ago! should i ammend my schedule of charges accordingly (inc claim totals etc) or keep to my original schedule? a quick reply on this would be appreciated as i'll hold off filling in MCOL until tommorow night.

ok thanks for clearing that up. will get it all ready now for the MCOL deadline.

9/11/06 Sent letter as response to offer of £1000 rejecting it as a full and final settlement. Ok so now with the dealine coming up. I need a few things clarified if someone would be so kind. When I make a claim using MCOL on the website. What happens next? do i need to send a copy of schedule of charges (including 8% interest) to BOTH the MCOL people and to barclays bank? If so what addresses should these go to? Is there anything else i need to send or do at this stage? Im sorry if these are FAQ's but ive read through the site and i think ive confused myself by downloading the Court Bundle found in the library. Just want to make sure im 100% on this before going ahead. thanks again

also noticed that the web address they give for the terms and conditions isnt a valid one.

7/11/06 Ok received a letter from Head Office Customer Relations... So I send a letter back accepting the £1000 as a part settlement but say will be still going ahead with the claim for the rest?

30/10/2006 Letter Before action (LBA) sent. starting to feel a bit nervious now

14/10/06 Received what appears to be a standard letter saying they will try to get back to me within 8 weeks!

ok thanks for your help 10/10/06 Letter for preliminary approach for payment sent this morning recorded delivery will post up when i hear something back.

hello. in the process of trying to claim back the charges. but have a couple of questions. story so far... 1/10/06 sent subject access request letter from the library. 4/10/06 received a letter from a one Peter Townsend returning the cheque and basically saying the statements would arrive soon. part of the letter threw me a bit but im hoping this is just a standard thing they send out now... I find that last bit slightly worrying? should i be worried by this? so anyway. today 9/10/06 Received 3 envelopes stuffed with statements. we have gone through them noting the Paid Referals, Unpaids Out and Unauthorised OD fees and entered them into the Basic Bank charges spreadsheet as found here... http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Its giving a total of £2810.00 back as far as Nov 2000 with an 8% interest of £534.48 Im a little confused as what to do next. Do i just enter these two figures into the preliminatry reproach for payment letter as shown here? Hope someone can help me with these couple of questions so we can take this to the next stage. thanks dene