Hi Reaver

Have a read of this...

County Court Fees

good luck:)

That is a standard response Adoniz...proceed to LBA.

Have you attached your spreadsheet to your letters?

Loads of luck:)

Yaaaaayyyy!! Good luck on this claim BP:)

Natwest are usually quite helpful like this BUT still send the SAR, because if they do mess you around, that letter is your legal proof you made the request.

Still send the £10 fee as well, they will probably return it to you, but better be safe than sorry.

No SAFC you cant add all your overdraft interest.

If you can persist, try to fill out the England Complex Excel in here

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

It will calculate what proportion of your overdraft interest was caused by charges and is therefore reclaimable.

Good luck

I also received a letter once from Natwest, all my details, just totally different name!

I complained to the bank at the time and they just said it was a simple typo.

I would call them to enquire what they are playing at?

All your other stuff seems to be in order, post back here if you have any probs.

i'm assuming you meant to post this in the woolwich forum.

i'll ask if it can be moved:)

perhaps if you could give some more details such as amount claimed etc.

Hi Bentley

Try not to worry, the Directions Hearing is just a short hearing to decide how the claim shall be managed, what evidence shall be required, etc etc...it is NOT the final hearing.

I attended a similiar hearing on Wednesday and it was very informal and straightforward. Do remember that your claim will be heard in the Small Claims track which is designed with independent consumers in mind.

Unfortunately, that date is a little while off, hopefully Lloyds will settle in the near future, it sounds like your local court is very busy.

Using a solicitors firm would not have altered this delay, so pat yourself on the back for having managed it so well so far.

Hi!

 

I'm about to start a claim against Barclays for my 3 accounts (joint account and 2 personal accounts).

 

Can I include all 3 accounts on my request letter or should I split them up?

 

What address should I send them to?

 

Thanks!!

 

F

You can include the three accounts in one claim so long as you are a named account holder of all 3.

Send correspondence to:

BARCLAYS BANK PLC

1 CHURCHILL PLACE

LONDON

E14 5HP

Recorded delivery.

Loads of Luck with your claim:)

It is quite normal for Abbey to submit a defence, it's really just another stalling tactic to try and put you off.

Have you received an Allocation Questionnaire?

Have a read in the FAQs about the later stages of taking your claim to court.

Also have a look in the Templates section at Allocation Questionnaires.

Good Luck

my fault, new barclays thread was started before welcome thread was moved!

all your questions are in one place now:)

thanks crush

I've just read further through the forum a little more and think I've realised that the "Added Interest @ 8% since charge" is not sent at the Preliminary Approach for Repayment stage. Correct, it is not added till you file your claim

 

I just ask for the money they've levied from me (The Charges and the overdraft Interest for the charges).

 

Meaning I cannot charge the bank 8% Interest since the penalties, yet. (It'd be a shame, cos it was ages ago they started charging my account loads of money!) Well unless they cough up 7k in the next few weeks you will be filing a claim and will get that 8% interest added.

 

Is that correct?

Have a look in here to see a list of banks and their services.

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/58685-do-you-need-parachute.html

Most banks have a basic account for those with poor credit, but you will be restricted in facilities you can have.

I'm going to get this thread moved to Barclays for you:)

hello Kate,

thankyou i will have a look at this now, recently in the last couple of weeks barclays bank have been sending letters stating im overdrawn without an overdraft and to contact them to discuss,and i do get paid monthly but always overdrawn,will i still qualify for reclaiming and for how far back can this claim be?

Have you opened a parachute account?

Have you got all your statements and how far back?

Looks like Barclays are going to be awkward over your unauthorised overdraft, so it may well be worth having a plan to cope with that ie another account.

You are entitled to reclaim your charges regardless of how they came about. You can claim back as far as you have or can get statements to show charges.

Start a thread in the Barclays forum. click here to access

http://www.consumeractiongroup.co.uk/forum/barclays-bank/

Good luck

CONGRATULATIONS!!!!

Dont forget to fill the survey.......

Hi Cansomeoneadvise

Welcome to the forum.

Many banks will be unhelpful just when you most need helping. I can't advise you on why this is, but all those charges you have incurred through being denied an overdraft, can be reclaimed.

Read the FAQs first, click the link under my signature below.

Start a thread in the forum of the bank you are claiming against and keep us posted with your progress.

Ah, just checked your other thread. Oldham County Court?

Great Order kazzor:D

Which court was this?

Hi Everyone

 

Just posted in the Welcome Forum and was advise to post here so others track my Abbey battle. By the way thanks for the reply.

Basically I sent the first 2 letters to abbey with no satisfactory response (in both replies they asked me to wait 4 weeks for them to look into my complaint!). I did not wait the 4 weeks and so now on Tuesday I filed a claim with Moneyclaim online for £8758.65!!!!!!!!! including costs.

 

I am wondering if anyone else has taken on Abbey with anything near this amount and if so how did things pan out?

 

By the way this is a great site

Wow pumpkin, thats a great claim!

Make sure you send your schedule of charges to MCOL to be attached to your claim.

Do plenty of reading up on the defence and allocation questionnaires stage of your claim.

Good luck:)

I wish you loads of luck.

Hi Ladeyshalley

Welcome to CAG:)

Could you firstly start your own thread in the Lloyds Bank Forum.

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

As for those charges, I'm afraid they sound like 'service charges' which are not reclaimable. They have not resulted from any breaches, therefore they are not penalty charges. (even tho they feel like it!)

Good Luck

Thanks Kate,

 

So can the Schedule of charges just be sent in on a normal A4 sheet and not a particular form? I have aslo created a sdreadsheet of the charges - would it be best to include this as well? They are the same thing, send a copy of the spreadsheet schedule of charges.

And should the covering letter just apologise for the non-inclusion of the shedule when i raised my claim. Just not sure what wording to use in the covering letter. Yes, amend letter as per link I sent you earlier.

As you mentioned I send 1 copy to the Oxford court (where it has now been transferred and 1 to Lloyds solicitors???Yes

( I knew I should have taken up Law when I had the chance!!)

OK Ollie

The POC you have used are OK(ish) and would not in themselves justify a strikeout (IMVHO)

It seems that the fact you did not send a schedule to be attached to your claim may be what is causing the issue.

Have a read of this thread because a/ it shows our POC (which is good) and b/ post 2 gives information about sending in the schedule.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

You need to send the schedule of charges to the Defence and the Court asap, with a covering letter.

Hopefully then all will just progress as normal.

Hi Bev

Ive got to pop out for a couple of hours, if you could post up your POC I'll check it this afternoon and tell you how to sort out if necessary.

Ahhhhhhhh:|

OK, Can you type up the exact wording of your Particulars of Claim that you used on the Moneyclaim online form.

There is a possibility, depending on how good or bad the POC is that you may have to amend your claim.

Dont worry too much, its reasonably straightforward to sort out. But it will need prompt attention.

Hi there,

I'm at the stage where I've sent a LBA on 27/3/07 but didn't have time to follow up. Have just got a response from Lloyds offering me about half the money.

 

Because I used the spreadsheet from Moneysupermarket I included the 8% interest from the beginning which I now realise is wrong, having read up on your website. I did not include overdraft interest which is what is recommended here, right? Furthermore, another overdraft excess fee of #90 has been added to my account since I started the claim.

 

What are my options now? I'd like to send them one more letter (have looked at your templates and found one that almost fits) and enclose a new schedule with the #90 added to it. Should I simply work out the 8% for that one item so that it doesn't look too amateurish? Or would you people out there who know more advise me to re-do the whole schedule without the 8% but including overdraft interest? If I do stick with the 8% version, then presumably the overdrat interest is lost forever? Not that that worries me unduly.

 

Then in 7 days time if they don't respond I'll have to prepare for Court Action. At least that gives me a little time to prepare for that.

 

Any advice would be gratefully received.

Hi Katze

In my opinion, I would start again on the spreadsheet using the one from here. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html (England Complex Excel)

Add the overdraft interest, the £90 extra charges but dont include the 8%.

Send this with the LBA letter template, (amend it slightly with a paragraph explaining the reasons for the changes, but don't apologize;) )

Lloyds are not known for early settlements and I doubt you will get a positive response within 14 days, so start preparing your N1 court form, add the new spreadsheets to the court form including the 8% and then you will be making a claim for the full amount you are owed.

Good Luck