I took a Barclays Personal loan out in December 2004 for £6000 over 5 years. I have just dug out all the paperwork and it shows I am paying payment protection and didn’t even know I was!!! I took out the loan in branch and can’t remember agreeing to loan protection, I definitely didn’t have it explained to me. The loan paper work breaks the loan protection down as follows: Premium Loan £1299.80 Total Charge for credit £483.40 Total amount payable £1783.20 I have read through many postings on here but I am a little confused about whether I am eligible to claim and if so, how I go about doing it. Can anybody help me please? Thanks Adam

Hi Hedgey We spent about 3 hours last night putting together a court bundle, we did include the terms & conditions. I'm going to send it recorded delivery today to cobbetts. Is it true that they have moved address? Thankyou very much for all your help it is very much appreciated. Adam & Jayne

Hi I have phoned the Court and they said I have plenty of time to get it to them but more importantly I have to get a bundle to Cobbetts. As yet, Corbbetts haven't submitted anything. They were v helpful! Can you give me any advice on what I should put into the bundle please? Thanks Jayne

Thanks. The court directions are: 1. This case is one of a number listed on the same date. Both parties must be ready for trial on that date. Depending on the number of cases proceeding on that date, the judge will give directions as to the order in which they will be heard, which may involve grouping cases raising similar issues and/or adjourning some cases to a later date. 2. If the claim is settled, the Claimant must promptly give notice in writing to the court stating that the claim is discontinued. 3. Any party may rely as evidence on a statement of case (if verified by statement of truth). Evidence of witnesses will be given in writing only, by way of sworn affidavit or witness statement verified by statement of truth. 4. Any witness evidence of documents to be relied on by the Claimant must be filed at court and served on the Defendant no later than 21 days before the hearing. Any witness evidence or documents to be relied on by the Defendant must be filed at court and served on the Claimant not later than 7 days before the hearing. 5. It will not be necessary for any party to file or exhibit a copy of the OFT report 'calculating fair default charged in credit card contracts' though it may be referred to in any written evidence. 6. Each party must provide its documents and written evidence (including a copy of any statement of case relied on) in a single bound paginated bundle clearly marked on the front with the case number and names of the parties. 7. No cross examination of witnesses will be permitted, except with the permission of the court. 8. No expert evidence is permitted (this does not prevent a suitable witness on behalf of a bank or card provider giving evidence of fact as to the manner in which charges are determined by it). 9. The Claimant must, if she has not already done so, including in her bundle of documents a full list of the charges disputed, specifying the date and amount of each and the reason given for it. 10. If any party relies on written submissions or a skeleton argument, it must be filed at court and served on the other party at least 2 days before the hearing. ...........hope you can help. Many thanks. Adam

I am currently helping my girlfriend out with her claim against Natwest it is for over £4000. She was given an offer which we refused so we issued a claim on moneyclaim, filled in the questionaire etc. On 25 June she was given a court date for 30th July. We haven't done anything with it since, not realising that court bundles have to be submitted before the court date. After reading the letter with the court date on it there is a paragraph that reads "Any witness evidence of documents to be relied on by the Claimant must be filed at court and served on the Defendant not later than 21 days before the hearing. Any witness evidence or documents to be relied on by the Defendant must be filed at Court and served on the Claimant not later than 7 days before the hearing." Does this paragraph refer to the court bundle? If so have we damaged our chances of winning in court by not submmitting it in the timescales given. Has anybody got any advice on where we go from here? Thanks in advance.

Thanks for your help Welshman. I'll let you know how i gat on.

Hi I have just got my defence from Barclays, along with a N149 Allocation Questionnaire. I have read the defence and compared it to others on the forum and it looks exactly the same so no problems there. I have also read through the guide to on how to complete the N149 and that seems fine, except section G. Do i have to list any documents here that i can use in my defence, if so what? I am concerned that I have not so far submitted my spreadsheet listing all the charges, is this going to be a problem? Should i list it in Section G? I have also have to pay another £100, when can i claim this back? Does anybody have experience on the above and what is likely to happen after i submit the N149? Thanks Adam

I filed my claim online and got a letter from the court saying that they had till 27th Sep to acknowledge. By the morning of the 28th they hadn't acknowledged, so i started a judgement. I have been on today (29th), and it says they have acknowledged the claim on the 28th. I phoned up the helpline and the adviser said that they had "slipped" in an acknowledgement, the fact it was after the 14 days, doesn't matter as long as it was before my judgement started. I am convinced that when i started the judgement they hadn't acknowledged, I asked for times but he said they don't record times. Are they allowed to do this?

Hi I'm just filling out my money claim form online, i'm not 100% convinced the text i have written is that good but i'm sure it will do. I am having one problem though, how do i calculate the daily rate of interest? Any help would be gratefully recieved. Adam

Hi there I have recently had a letter from Barclays declining my claim. So now I have moved onto the next step, court action!! I have registered on the money claim website and i am currently filling out my claim, I have copied in the standard text from the library. I have one question, how do I layout my calculations? I have completed the spreadsheet and know how much they owe me including the 8% interest which i can now claim. What do i call the 8% interest in the claim form (does it have an official name?)? Any guidance would be greatfully appreciated. Thanks Adam

Update I sent off my LBA letter at lunchtime today (15/8/06), by recorded delivery, but when i got home i had a letter from Barclays. There was a full page of waffle and the offer of £835 as a gesture of good will, with the understanding that this is full and final settlement. I do not want to accept this as it is less than 50% of my claim. Is there a way that I can accept this offer, but still continue to chase the rest? Or am i better refusing it and issuing a court claim. Thanks for everyones help so far.

Hi Sparkler You can not claim for the interest (this is the interest on the charges, not overdraft interest) unless you go to court. Hope this helps, keep us posted on how you get on. Adam

Hello all I have decided to take on Barclays after years of charges, which have got me into more and more trouble, its a vicious and very unfair circle. Update to where I have go to so far: Step 1 I sent of a letter complete with a cheque for £10 requesting my statements over the last 6 years. A few weeks later i recieved 3 large envelopes full of statements, complete with cheque and compliments slip saying there was no charge, that must be a first!!! After a couple of hours going through them all and filling in the spreadsheet( downloaded from the step by step instructions), i realised that they had took over £1500 from me over the past 6 years. Step 2 I copied the standard letter (Prelim Letter) from the step by step instructions, filling in the the neccessary blanks and sent it to Barclays along with a copy of the spreadsheet (omitting the interest column). I recieved a reply within a week saying that they were sorry that i was upset with the level of service they were providing. They stated they would reply to me by the 14th August (which was outside the 14 days i stated in my letter), I had no response by 14th August. I have now decided to send a LBA letter (see Step 3) Step 3 I have drafted up my LBA (Letter Before Action) letter (again taken from the step by step instructions) and will post this tomorrow, along with another copy of the spreadsheet. And I await the response If you think i have done something wrong or could offer any advice it would be greatfuly recieved. On the other hand if you have just started a claim, I hope what i have written may be of some use.