Barclaycard acknowledged my claim today, and paid me £88 yesterday "without admitting liability, and in line with the OFT reccomendation of £12." I sent them "accepted as part settlement of my claim" and added "misrepresented" like Capital One... They have till 3 July to defend - wonder how soon I'll see the balance now. I won't agree to closure or anonymity.

I have asked the court to determine the charges as unfair, and also to determine the right to close the account without cause as Unfair. I've also said from day 1 that I will fight any attempt at closure of the account, since that is denying my my membership of the society, and that I would seek an injunction against them, ex-parte, if they tried. Maybe that's why they haven't settled my £1400 claim yet...

It hasn't - we've had a letter implying that if we pursue it our accounts will be closed.

Well, they had till post arrived today to sort it, and haven't, so I've now gone to court. Moneyclaim requested, and mods informed. It's now £356.11.

I will be at the AGM...

It's a pity he can't be bothered to acknowledge letters and emails sent to him, and hasn't settled my account and provided an undertaking he won't close my accounts. If he called me on my mobile (which he could get if he emailed me) then I'd be happy to negotiate an agreed, private settlement which would not exceed the Court claim...

If the payment is conditional on their closing the account, then they are acting unfairly and unreasonably - you MUST fight the closure... even if you wish to close afterwards on your own terms.

Yours may not be. Mine is...

The World Wide Web (then thing you use with your browser) is only a fraction of the whole Internet. Email, Usenet newsgroups, Gopher, FTP, and hundreds of other services and utilities share the network conenctivity, but the Web is what people think is the whole Internet, as the Web is what they see...

Email addresses may not be on public display on the WEB, they certainly are on the Net...

BY the same argument, spam is legal... since my emal address is there on the internet. Just because you leave your front door open doesn't entitle someone to come in and look around. Likewise with a server on the internet - just because you can access it doesn't give you enttlement to do so. And if you are unauthorised, and still go ahead, you are committing an offence.

YES!! Capital One have opened their purse. Only to the tune of £180, but that's better than nothing, and I'll now pursue them for the balance, of £370, which is a smaller figure, so they will probably agree without court. It works, guys. Donation on the way

Given we have a common link - we've all been (edit) from by the banks - why not set up our own Consumer Action Group Credit Union ? moderated whilst we understand your annoyance we have to remove any comments that could be seen as libelous EDIT: You can't libel an undefined group. The banks and building societies, in general are [edit]. What they are doing is [edit]. Lets not beat about the bush here... Anyway, since I am a co-owner of one of the "libelees" they'd best not try to sue in MY name. [MODERATED: We will not tolerate these comments. FINAL WARNING] [EDIT - so why not have the decency to tell me you've done so. You're not following the forum rules by simply moderating the truth away...] The Banks are civil offenders, as demonstrated by case after case being settled where they have unlawfully taken money with the intent of permanent deprivation. Check section 24A of the relevant 1968 legislation quoted in the Legal Statutes library. Please read the rules of this site that you agreed to when registering I'm fully aware of the rules of the site. The owners of the site introduced the 1968 Theft Act (in the statutes library), I'm merely quoting from it.

I was going to add some Egg puns, but decided to duck the opportunity. Guess I'll have egg on my face for being such a goose! Ah well, I won;t feel trussed up like a turkey when the eggspected summons cracks through their shell...

RESULT: Had Barclaycard on the phone on Friday Evening. Apparently, for less than £500 in charges claimed back, they don't argue, they just pay up just before the end of the LBA time...

And today received a "we are investigationg your complaint and have 8 weeks to do so" letter from NBS. How unfortunate. Shall I suspend my claim for 8 weeks while they investigate. Gee, let me think NO!

And no reply within the 14 days for the preliminary respoinse, so now I get legal with them... Do I have the best Bob Geldof voice???

I sent my DPA at the end of April, and have just issued my summons for £1400, which will effectively give them a further 28 days... Don't hold your breath, you'll turn blue.

I wonder why the banks don't realise that every time they ignore you, instead of responding, they are breaching the Banking Code?

No reply to Preliminary letter, so LBA went in today, reminding them of the banking code and asking for my Fscking money back, in my best Bob Geldof voice.

And the answer is... I posted a claim for £1400 to the 'Stoke Barehills' County Court this morning. Enclosed was a cheque for £120 drawn on the Nationwide account in question ;-) I've asked for a declaration from the court that the penalty clauses are unlawful, but also that the term allowing them to close the account without cause is ALSO unlawful as it is unfair. Wonder how Nationwide will defend that one...? Any press on here are welcome to PM me for contact details, and an explanation of how the money is going to help my disabled partner train as a Sign Language Interpreter. So all for a good cause now...

Time to poke the bear... Dear Mr Bacon FINAL OPPORTUNITY TO RESOLVE. Further to my letter before action of 1 June 2006, this email gives you a FINAL OPPORTUNITY to avoid court action in regard to unlawfully drawn fees on my current accounts xyz and zyx. The sums accrued, including my costs of recovey to date, amount to £977.93. In the event that I am forced to issue proceedings, I would be seeking an amount, including interest charged on any unauthorised overdraft caused solely by your charges, statutory interest and costs of some £1418.32 on that date, plus interest accruing at 31p per day to the date of settlement or judgement. I would also, as previously stated, seek a determination of the terms and conditions by declaratory relief. As you can see, issuing proceedings will result in an increase in the sum claimed of over 40%, and will cause Nationwide to incur significant further costs should you choose to defende the case. If you choose not to defend, I will ask the judge to award further exemplary damages for your unreasonableness in not seeking to resolve this without court action becoming necessary. I therefore invite you to resolve this matter forthwith by crediting my account zyx with the sum of £977.93, and providing a binding undertaking in writing that you will not seek to close my or my partner's and childrens' accounts as a retaliation for enforcing my legal rights. Should you fail to conclude this matter by close of business on 14 June by complying with this request, I will, without any further notice, issue proceedings against you in the Stoke Barehills County Court, for the full sum, interest, charges and a declaration from the court as to the lawfulness of your actions. I will also, at that stage, bring this matter into the public eye. I therefore look forward to your remittance forthwith. Yours sincerely BikerPaul Lets see what happens next, since I've given them every reasonable opportunity to resolve ths now...

Received 2 letters from Nationwide today - one for each account (I only sent one preliminary letter covering both accounts) No surprise to find that they were both "sod off" letters.... Interestingly, they were dated 30 May, but didn't arrive till today. Probably because they were franked 5/6/06. In the meantime I sent my LBA on 2 June saying "You haven't had the courtesy to acknowledge my letter, now give me back my fscking money" in my best Bob Geldof voice. Ah well, I can see a claim coming in.

Statements arrived on saturday 3/6 £250 prelim letter went out the same day. they tried the Microfiche thing with me, but then my account was only opened in May 2004

SAR disclosure arrived yesterday, no metion of cheque, and £415 in charges alone, before interest. This is on a £200 credit limit. Prelim approach going in today, I think...