Regarding Slick's post above, I cannot really add any further comments for reasons that I cannot go into. However, I am very grateful to CAG for the help and support received and I am now a very happy bunny.

Nice one Slick Cherrs Mr or Mrs F. They have throwing all sorts at me. but hey i am hoping the end is in sight now!

Hi Slick They have requested adjournment on the basis that, A) It is consistent with the overriding objective to allow the parties to continue with settlement negotiations, and B) It is not proportionate for the defendant to prepare a full accounting report on how charges are calculated prior to a hearing of a low value claim in which we have offered full redress, accordingly the defendant would need additional time to prepare such a report.

Wow it worked! Ok so, i have stayed away from this thread for a while and have now got as far as a court date and have also submitted my bundle. My draft directions were accepted by the judge and he requested they state re all charges if they were penalties, and if they werent a breakdown of the cost of each charge. I received the above this morning. Barclays have not included the breakdown of charges, but have instead requested the case is struck out due to an abuse of process. They have also requested that if its not stuck out, the case is adjourned for them to provide the info. It seems a bit like they are just wriggling here but i wanted to get a second opinion. I also have there defence for the main case if that needs to be scanned. Oh and sorry for the first 3 pages!

[ATTACH=CONFIG]44998[/ATTACH]

Thats the attitude!!!!

Lol definatly not being ignored! Feel like i have bombarded you! With any luck it will all be done and gone by tuesday!

Cheers cb. Pretty sure it's ok to use a summary but also need the bits from it. Dontwant to end up missing any! I'm compiling the bits I see as needed anyway but want to be sure I don't forget anything if I can.

Yep it opens. They are summaries arent they? Or do they contain all i need? I was in the process of reading it all and trying to work out which paragraphs to include.

Nice one CB thats definatly a pretty good start on relevant sections. Any suggestions re Kleinwort? Or maybe clues on how best to use the search function!

Just thought i would ask before i spend my weekend disecting them myself I have searched for a thread where someone has completed a bundle but have failed to find a breakdown of the relevant parts of each case. Also tried to google it and failed. I have Pretty much all of the bundle done and printed, just need these last 2 bits and i will be filling and serving on them on tuesday Any help (shortcuts!) would be amazing!!! And none of this please

Sarwent yesterday. Cheers slick, spotted it when i went to look at the SAR. So that was quite handy. Anything that makes it easier Hacked, and i will try it!

Sar going in the post tomorrow. Might as well add this into the mix with barclays and barclaycard as the chase is on!

I have decided to get these running as my barclaycard claim is hopefully coming to the end. First thing im wondering, is should i ask for both account info on the same SAR? And can i ask them to just take the £10 fee from my account?

Nice one Shelley, thats encourageing for sure! Im going to PM Slick a couple questions too, but i think youve just answered a couple of them Yeah, 0% interest for two years, and never ending stress agravation and problems for me for about 10 thanks to them ripping me off! Hmm i wonder which of us was going through tons of stress due to the actions of the other. I doubt there 0% interest stopped them sleeping and made them ill like them ruining my finances with their dodgy charges did me!! I had thought about this since i saw slicks last message! Teeth are well into barclays, and they are staying in! Im happy enough to walk into a court and see how they get on.

lol Thats why i wait for responses from slick these days! Thats my normal response style. Slick seems to be a little more detached than i am from the angry streak. Maybe he will have a subtle way of explaining the points. Although i think a) its in the POC and b) it will be in the bundle. Bundle will be very soon! Had enough of the stalling for no reason now.

Nice one. Waited a week to get the sole same offer. This bank is now really annoying me by dealing with it this way. I was going to stick with them, but this does NOTHING for my supposed trust in their profesionality!!! GRRRRR Im guessing there is no need for me to explain my interest rate as its partly explained in the POC and the rest is to be expanded in the bundle. Tempted to ask him to explain why his defence states "all charges before march 2013 are statute barred". Mr oh so keen on details!!

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Cheers slick, thats pretty much what i thought. Just wanted a little nudge of encoragement i guess. Im with you in that what they are resisting is the restitution. Im staying strong! They havnt caused me this much grief for this long, to be let off! I have no interest in being gagged! although to be fair, i probably CAN be bought! Cheers once again slick, appreciated as ever.

[ATTACH=CONFIG]43184[/ATTACH]Hopefully this works.

Ok so i get a response an hour later. Im almost convinced he is reading the thread! 1) Disagree to my 29.9% interest as there has never been an interest rate of 29.9% on the account. Also says "there is no legal basis to settle the claim for this inflated claim value" 2) There was an interest rate of 0% on the account for 2 years. They say that based on this they are making a fair offer and more than i would be awarded at court. They have upped the offer by about 200 quid. Should i just reject it like the others, or is there anything i should worry about here?

Ah well, or maybe i will hear nothing for a week! Are the banks not obliged to respond to customer correspondence in a tmely manner? I remember working for an insurer and we were obliged to respond in 48 hours or give a reason why we couldn't.

Thats almost exactly what i said. "Thanks for the advice, i will check and ensure i do it properly" Thats offer 3 so far, and i think its the interest in restitution they are trying to avoid. Hopefully that means they are out of offers and will settle. Might be hopefull, but im thinking by the end of the week

Thank you for your email today. We will respond to the substantive points in your claim separately, however I would like to take this opportunity to explain that the deadline for filing Allocation Questionnaires has not yet passed and this matter has not yet been listed for trial. In the interest of saving your time and costs, I would suggest that you await the Court's directions before preparing the trial bundle. For the avoidance of doubt, we will not be liable for your cost of preparing the trial bundle at this early stage in the proceedings. I appreciate that you may not be familiar with court procedure and I would recommend that you seek advice from a solicitor or your local Citizens' Advice Bureau should you need any guidance on this point. Just got this back. Not going to worry about it, just wait for the next offer.

New offer of 2.5k. Told them no, and if they dont settle before i print my court bundles they will be added to the bill Feels pretty close right now!