I have done the schedule and the longer version of the POC paid hitchin £100 on time, sent in the POC on time and copied the lot to Barclays. This was all done before the 7 Aug and I have heard nothing more. In light of the OFT what should I do now?

My spreadsheet is verry similar to this one just a different lay out.... I did charge type in colums and did not identify if caused by dd or cheque, but I will re do in this format if I get to court bundle stage Many thanks

Hi Trucker Defence 1. The particulars of claim do not provide details or particulars of the account in question and / or the precise charges alleged to have been unlawful, or the date thereof. To the extent it is alledged thet the Claimant incurred bank charges on the claimants account for unauthorised borrowings (whether unpaid fees for returned cheques, "paid referral fees" or other such fees), the defendant puts the claiment to strict proof of each charge and the date thereof. 2. The particulars of claim are summary in nature. Accordingly, this defence is summary in nature and the defendant reserves the right to amend this statement of case in due course. 3. The defendant is entitled to charge the claimant for unauthorised borrowings by reason of its standard terms and conditions. The claimant accepted the same when the account was opened, including (in particular but without limitation) the following terms and conditions (which are summarised): a. The defendants right to charge a paid refferal fee where the defendant pays an amount (either by compultion or election) which causes the accout to become overdrawn - £30 per item (previously £25) b. The defendants right to charge an administration feeif any cheque standing order or direct debit cannot be paid because of insufficent cleared funds in the account - (£35 per item previously £30) c. The defendants entitlement, if the claimany becomes overdrawn without an overdraft limit, to charge interest at the unauthorised borrowing rate on the excess balance. 4. The defendats standard terms and conditions give the claimant a fair and transparent view ETC.....

Thanks I started the process off myself, as I am claiming for our Buisness account for the last 5 years. I took all the charges off the bank statements and hidden in our commission charges, did a spreadsheet, worked out 8% interest and sent it off to Barclays asking for our mony back. (This was from a template I found on the web but is very similar to this forums one). Barclays offered half We said no and asked them to send the mony or we would go to court and to give us a full responce within 7 days Got no reply so phoned Barclays who said thay had not received the letter so I faxed it and got confirmation that they had received it No respose for 3 weeks Filled in online claim with words similar to what you guys recommend. 22 days passed looking good, then day 23 Acknoladgement!!! Again 13 days passed looking good, then day 14 Defence!!! No court date yet just a transfer to Hitchin court and getting a bit scared...... Claimingfor £3,000+ Looking forward to your help Sorry for typo's

Hi all - need some help I have got the defence letter from court re Barclays with usual stuff. The letter states IT IS ORDERED THAT: The filing of an allocation questionnaire be dispenced with in this case unless the Distrect Judge at the court of transfer orders otherwise. court will be Hitchin What does this mean? Sorry to be so dumb!!!