Won.

Won.

LBA sent. They replied saying they are looking in to it... giving them until the 14 days to respond.

Questionnaire filled in and sent to court with cheque and copy docs. Letter to Legal and Disputes at Barclays, once again stating what they owed etc and included spreadsheet. Awaiting reply/offer or court date.

Thank you.

:!: I need HELP. Nobody has replied/advised to my previous two threads and I need and answer on the banks defence (as per the previous but one entry/thread) ?? Please, any advice would be gratefully received. HELP ! :!:

:???: HELP ! Any answers to the above thread. Need HELP ! :???:

:???: HELP !:-? :-? The following is the defence received by my cousin on Monday along with the Allocation Questionnaire. I've para-phrased most of it cos it's stuff I've dealt with before with NatWest (points 1,2,3,6,7,8 and 9), however, I need somebody to advise me on points 4,5 and 10. Not quite sure what they are on about. I've listed these in full as they appear on the paperwork and would appreciate it if somebody could give me an idea. Please forgive the typing errors if there are any , cos I'm a lazy proof reader. It also seems to indicate in point 9 and especially 10 that the bank seem to be saying, "yes we probably are guilty but wont admit it" and in point 10 "If we are ordered to pay you the money back, we are gonna persue you for the actual charges we incurred." (I think !). I'm not sure if this is a standard Barclays defence. Any help would be much appreciated and a point in the right direction would not go amiss. I've got about a week till this has to be handed in, but as luck would have it I'm working right next to the court tomorrow and so a speedy response would be handy, so I can give it in directly to the court. Thank you.

:confused: The MCOL was done on 21/12/06 and ackniowledged on 8/1/2007. Where do I stand with the timescales etc. How many days do they get to submit a defence ? :confused:

Sent letter 1 and letter 2. On to the LBA now.

How long until I should expect a response for the MCOL ?

MCOL done. What a pain in the arse that is....its the second time I've done it and its still as baffling. They should employ somebody to make it a bit more 'user friendly'. You spend most of your time on it trying to edit out text so you can fit the appropriate amount of characters in it.

Going to court! Just about to fill in the on-line thingumy.

Nope. I didn't with previous LBA's etc either. Didn't seem to matter. Does it?

I've just realised.....the Excel spreadsheet keeps adding interest for every day between the request for refund and the present day. My figures are out by a couple of quid between the request and the LBA.

Starting this thread for my brother in law, who is too lazy to do it himself (for a small fee). I have already had some success and plan on contniuing in this vein. Sending 1st letter tomorrow.

:?: HELP !:idea: :idea: Nobody answered my last thread so I'll assume that I should keep the two issues separate. Barclays never responded to the query about written permission to charge my cousin for the account. Should I still persue it ? I will probably send a second separate letter about these charges. Anyway received the blah, blah, blah reply to request for repayment. I'm gonna give 'em the old LBA letter and see if that does anything. I know what the response will be though....from past experience. Still I like banging my head against a brick wall and it's always comforting to know they've got to pay people to look at these letters and waste their money. :?:

:idea: Just to check a few things before I send off the request for repayment....all the charges are under the titles ; Upaids Out, Paid Referral, Unauthorised O/D fee. (......any comments?). This is what I've put on the letter regarding the 'Additions' account fee... Also, do I keep the request for the repayment of fees as a separate issue or lump it all in together ?

Yup. Ta. Won't bother with them then.

Just says 'account fee 1 @ £5.00', as I say year on year this gets bigger up until the start of this year when he closed the account and the account fee was £13.00

One quick question.....he's got account fees which steadily increase from £5.00 per month up to £13.00 per month. He doesn't remember ever asking or agreeing to these charges. Are they reclaimable ?

Starting this thread cos my cousin is a bit of a technophobe and I've had a modicum of success with the banks so far. Anyway, I've done the DPA letter and got his statements back. A cursory glace would suggest he his due for a happy new year if all goes well. Keep you all posted.

Case Settled.

No news.....is no news good news....?

:!: Any answers to the above thread? Still confused:!: :!: