abbey took 165.00 in charges within a 2 day period. Spoke to a man on the phone from abbey, and he offered me 60.00 back on the condition that I don't complain about the rest. Is that right?

Hi, Just looked at my statement and abbey have taken £165.00 in charges over a 2 day period. Is this right? Now I'm totally skint for christmas. Sarah.

It's ok thanks Michael, job done I've donated. Thanks again to this great site and all who helped me. Keep going with your claims, if I can do it anyone can ! Love Sarah.

recipients email address?

Can someone tell me the address to send a donation please? thanks Sarah

ok I;ve got the full & final offer letter which they emailed me, and I'm ready to sign - just wondering about the bit which says "By accepting this offer you also agree that the existance and terms of this offer are confidential between us". Does that mean that I'm not allowed to tell anyone about it? and if I don't agree to basically keep my mouth shut that they won't pay me?

I have settled with Barclays for the sum of £1,957.82. They are sending me a form to sign, and when I return it to them they will issue my cheque. So my next step would be to wait until I have the cheque, and then tell Kendal County Court that I have settled with Barclays, am I right? Please let me know. I just want to thank everyone for their time and help: The moderators who got this site running so that we could get justice, and the people who take the time to give advice and help when needed, in particular, Sarahwarren, blueskies, rooster-uk, bigblue one, Michael Browne, VillaBurd24, Miss Picles, Vampiress, Overdrawn, Victimnomore, Welshman, Argyle, Pauldean, gel1, Spotted dog, essjaysea, and Dar3n. You are all invaluable and I am grateful to each and every one of you. Good luck with all of your cases,and I will happily make my donation when I have my money. Sarah.

Thankyou for your help Argyle but I'm sorry to say that I am still confused.The lady wants to know why I have claimed for 2 lots of interest. The interests in question are listed on my schedule of claim for charges sheet as: 1. 8% on penalties, and 2. Interest on penalties. Am I right in thinking that the '8% on penalties' is the interest I am entitled to claim under sec. 69 of the county courts act 1984, and that the 'interest on penalties' is the overdraft interest that barclays have charged me on the penalties they took? The lady is talking about starting settlement, so I need to get this bit right. I know I must sound thick, but please help , Thankyou.

Can anyone help me please...... with the above problem? I know you're all busy, but I don't want to mess up at this stage. Any advice would be great, thankyou.

Someone please respond - I need help and answers to the above. Also why is she asking me, surely she knows what they are for?

Hi everyone, I REALLY need some advice immediatiately. A lady from Barclays has just been on the phone asking me why I have put down 2 lots of interest. One is '8% interest on penalties' and the other is 'interest on penalties'. I couldn't answer as I had just come in, so I explained and said I would ring her back this afternoon after I had looked at my documents. Could someone please remind me what the interest bits are e.g. 1. 8% on penalties interest on penalties 8% interest on penalties.

I sent my bundles on 3rd jan 07: 1 recorded delivery to barclays, and 1 to the court that I handed in personally. Since then I've heard nothing, my court date is 7th feb 07. Should I contact Barclays and see if they're willing to settle, or leave things as they are? Thoughts would be appreciated as always!

Right, I'm ready to send my court bundle but do I have to highlight the bits I shall be using for my case or not? Is it enough to just get the bundle ready?

I phoned the court and they gave me a date in March. They told me to phone Adrian Ruffhead(Barclays), to ask if he would mind me adjourning till then, and then let the court know if it was ok. So I thought no I'm not ringing Barclays to ask for any favours, I'll stick to my original date 7th Feb. Don't really want to give them any more time to prepare. Do you think I should be contacting Barclays to ask them to make me an offer or should I leave it because I've not heard anything from them, and I have only communicated with them through the letters on this site? If I should be phoning them etc what should I say? any ideas?

Half term :Kids break up Fri 16th feb 07 and go back on Mon 26th feb. Thanks again for your help Michael, and gel for your support - it all helps Sarah.

I have a slight concern. My court date is set for 7th feb 07, but i'm a student teacher and am expected to be on a school placement on that date. Should I let the school know that I can't make it, or should I leave it on the presumption that Barclays won't show or will contact me before that date? Any thoughts or advice would be great thanks Sarah.

Thanks Michael , yes I think I've got what I need. Do you think I'll hear from Barclays before the court date? Or will they just turn up on the day ?

Today I received a court date: 7th February 2007 at 10 am in Kendal County Court. It will be heard by District Judge Forrester. I have to give copies of my documents to the other parties no later than 14 days before the hearing. I have heard absolutely nothing from Barclays for ages, so I don't know what they're playing at. Is everything going according to plan do you think? Do I need to panic yet? Any advice would be good, Thanks Sarah.

Today I posted my AQ and fee exemption form through the front door of the court. I will ring them on monday to make sure they've got it. It's getting exciting now !

I have filled in a fee exemption form from the court, as I can't afford the £100. I am taking it to the court personally tomorrow. So I guess the next step is wait to hear from the court as to what they want me to send to them eg court bundle etc. and maybe a date for the hearing. We shall see.....

Thanks again Welsh. I do appreciate all the feedback that you (and others) have given. Will post an update as and when

When I send my AQ to the court and my £100, do I need to send anything else? When do I send my 'bundle' to barclays, the court etc? Sorry to sound dense , but slightly panicking as I want to get everything right. Thankyou.

If you go to "Jonni2bad v Halifax - off to court we go" thread it is listed under index of documents as: (MM)--Case Law Reference: Alfred McAlpine Capital Projects Ltd v Tilebox Ltd (2005) EWHC 281 (TCC) - 2 Hope this helps! Sarah.

Hi, just a few queries regarding the above bundle list: 1. The OFT report April 2006 (OFT842)-35. Does this only apply if you are claiming for credit card accounts? 2. The Data Protection Act (1998)-53. Is this for if the bank haven't sent your statements? 3. House of Commons Select Committee on treasury second report "Transparency in charging"-10. Is this only necessary for claiming on a credit card account? Sorry if I sound thick, but I just didn'y want to add things to my bundle that I don't need. Please let me know Thanks Sarah.

Ok I've been sorting out my court bundle and have gathered together 3 copies of the following: all correspondence between me an Barclays Latest schedule of charges bank statements relevant case law summary early day motion from house of parliament dunlop v new garage UTCCR1999 UCTA 1977 SOGA 1982 OFT statement summary The banking code Is it a penaly? Kendall Freeman article. Is this enough? If more is needed please let me know Thanks Sarah.