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thewifeandI

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Everything posted by thewifeandI

  1. Just leave it - don't let them think they're getting concessions, as it looks like you are hesitant.
  2. It is correct - s69 (8%) interest at Moneyclaim stage only. Leave it out of your Prelim/LBA schedule of charges.
  3. 1. To calculate contractual interest you don't need to know your balance - it's based on the charges deducted. 2. Just by changing the rate - this is only simple interest, rather than compound though.
  4. The court will expect you to have given them 28 days to settle before taking it to court, so beware! There's little real risk though.
  5. You need to read up on the FAQs to make sure you understand what the basis of your claim is just in case. What will probably happen is that you file for default judgement, they then ask for set-aside saying that they had their fingers crossed behind their backs so the judgement doesn't count. They will file to defend and then pay up. Timespan - unknown!
  6. As long as you get the statements soon then no harm done. Otherwise resend the the letter and confirm that you want ALL future correspondence in writing.
  7. You are in control of the claim - if you take longer before going to court it will look good for you for giving them more time, but don't leave it too long as the bank might not take you seriously if you keep extending the deadline - although a court summons will focus their concentration! The interest on the charges won't amount to all that much, it depends how much you need even a small amount as to whether it's worth it to you.
  8. It's your choice, but if you stick it out you'll get it all back. If you want it all just proceed with your timetable.
  9. In the value section break down the claim as: - Charges Interest on charges [if claimed] s69 interest [on charges + interest on charges] DPA fee [if paid] Postal/other costs [if you have receipts] Total amount of claim [sum of above]
  10. Hey - well done. If you fill in the survey (link at the top of the page) it will lead you to the donation option and boost our settlement figures too!
  11. It's worth posting this in the Barclays forum to get some help from someone who has done this already. Hello anyway!
  12. Please stop closing down the internet - the rest of us are trying to use it
  13. The best thing to do is to read up in the forum for your BS for other claims that have got past your stage. Post any questions in there for loads of good advice (try and keep to a single thread to help others to help you).
  14. The bank MAY try to close your account, so you should be prepared to open a parachute account. The Banking Standards people have advised banks not to take retaliatory action, so it's less likely now. Closing an account wouldn't normally show on your credit score unless there was a default or bad repayment history on any outstanding overdraft amount.
  15. I did a similar exercise, using the oldest charge rate I had statements for. I didn't calculate interest on charges for the estimated amount as there's no way to work it out.
  16. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started!
  17. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! But you don't want a solicitor to take some of what the bank owes you either! The process isn'
  18. Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! Start a thread in the forum for your bank to chart your claim and its progress and use that to
  19. They usually do whatever they fancy! You don't always get a response, so stick with your timetable.
  20. It would look good if it came to court, although I would ask the bank for a full calculation of interest charged on the charges as they haven't given you the means to calculate it yourself. The other option is contractual interest (see the threads in General 'A new way of looking at interest' and 'Why is no-one claiming contractual interest'.
  21. They did similar to me on my second claim - I'm pursuing the difference having accepted the part settlement with s69.
  22. Just carry on regardless of their attempts to put you off. Stick to your timetable!
  23. Excellent news - well done! Have you filled in the survey yet?
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