Hiya, Ive been talking to barclays on phone for most of this week with regards to settlement. Received the letter yesterday offering full amount. Ive scored out the confidentiality bit and the bit where it says payment into barclays account as i would like payment by cheque which they agreed to. Signed copy of the letter accepting and a copy of the letter im sending to the to courts to be sent today. Many thanks to everyone that has helped me. Claire.

hiya, i have the same hearing date and time. Claire

hi after reading through alot of the threads of the claimants that went to the hearing on December 21st, ive decided to save my money and take the bundles with me on the day (if it gets that far) as they have not asked for them before hand, although i have just done my statement of evidence all i need to sort out closer to the time is a print out of my up to date schedule. Claire

hi all, there are quite a few of us that are attending the hearing for the 26th march at cardiff court. http://www.consumeractiongroup.co.uk/forum/barclays-bank/28454-c-k-barclays-3.html Claire

Hi all Ive received a General Form of Judgement or Order today. It reads: Upon the Courts own motion. The Court has made this order of its own initiative without a hearing. IT IS ORDERED THAT 1. Directions will be given in this case by the Designated Civil Judge, His Honour Judge G Hickinbottom, on the 26th March, 2007 at 10.30 at Cardiff Civil Justice Centre. 2. The parties may appear in person or make written representations as to how the case should proceed provided a copy of the representations is sent to the Court and te other side at least 7 working days prior to the hearing. Dated 22 January 2007

hi, just add this to Section G: 'I respectfully request that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. Accordingly, the claimant proposes the attached draft order for directions, for the courts due consideration. I estimate the hearing of this claim will last no longer that one hour' Hope it helps Claire

Hi, This is to work out your daily rate of interest. your amount of charges x 0.00022 = for example: 0.00022 x 1000 = 22p

hi missy, I believe they are asking for the more detailed version of the POC as when you file on MCOL you cant use the full version due to lack of space. This is the more detailed version. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Hope this helps you. claire

hi P&B, Add this to Section G: 'I respectfully request that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. Accordingly, the claimant proposes the attached draft order for directions, for the courts due consideration. I estimate the hearing of this claim will last no longer that one hour' Hope it helps Claire

Hi, With regards to the defence did you use this detailed schedule of charges from the template library? http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Also was your claim done via MCOL? if it was did you send the detailed schedule of charges to bank and court, if not it may be worth while sending (or just printing it out just in case) them along with the hard copy of the particulars of claim. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Claire

Hi hayley, Here is the link for the OFT statement summary. http://www.oft.gov.uk/NR/rdonlyres/DF19FDA9-1D31-4B18-B251-9BF5AF6A29D4/0/oft842a.pdf Best of luck. Claire

Hi, You have to contact the court yourself to enter judgement, try phoning the court to find out how you go about it(i believe it has to be in writing). The court staff are very helpful, explain to them that an order has been made for permission to enter judgement against the defendant and ask how you go about doing so. Claire

Hi, Ive looked at your post a few times now. The court are now saying that you can enter judgement for the amount of your claim and costs on the grounds that RBS(defendant) have not entered a particularised defence for the second time in accordance to the order the court had made on them back in november. Basically RBS's defence wasnt good enough. You can now go ahead and enter judgement. IMHO It is going in your favour. Im not sure if they would be granted a set aside though(be given extra time to amend their defence again) Hope this helps you. Claire

Hi, When i did spreadsheet and it kept it up to date automatically. Open it and find out. Claire

Hi Lottie, My name is on the list for the hearing that is to be held in Cardiff. Good to know im not the only one so far, I will let you know if i hear anything. Claire

Hi, you need to send an up to date schedule of charges. When you did the schedule of charges it should have kept the interest up to date for you. Claire

hi Graeme, The daily rate of interest is worked out like this. 0.00022 x your amount of charges = i.e. 0.00022 x £1,000 = 0.22p (22p) Hope this helps Claire

i sent all my letters rec del, You can send it recorded delivery or just get proof of posting. Yes you can make a claim on closed accounts. claire

Hi again, Carry on and send the rejection letter and the LBA. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html adjust the wording of LBA.

Yes, that is a Barclays standard defence. same as i received in early December. Claire

ok. you need to do a schedule of charges. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html you send this (without interest) with your LBA.

Hi, you shouldnt have sent the statements. The charges should have been in the form of a schedule. Did you keep a copy of them? Claire

Hi LB Carry on with next stage. Stick to your timescales not theirs. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html Did you say you sent them the statements? claire

hi just leave the bit about overdraft interest out if you are not claiming it. The interest you are talking about is the 8% which gets added on at court stage. Claire http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html keep to one thread it will be alot easier.

carry on with the LBA nikki. Stick to your timescales not theirs. Just adjust the LBA to say that you are disappointed that they failed to respond positively within the timescale given in your first letter. Hope this helps