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woodpop

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About woodpop

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. amex settled in full !! WOO WOO WOO just barclays and barclaycard to go . . . .
  5. brilliant ! thank you. so i'm going to send them a letter saying thanks for the offer but won't be accepting it as full and final settlement and as per my letters (23 may and 7 june) have filed a claim for the whole amount + interest @ 8%. WOO WOO ! so i've filed the claim - but how do find out the date on which it's actually served to the defendant ? cheers (thank you SO SO much for all your help) emma
  6. i sent the letter before action on the 7th june and their letter detailing their offer was dated 22nd june. so no, their time has expired. and i know i'm being thick - but should i now press ahead with the claim without notifying them ? and if i do notify them - what do i say . . . do i give them another deadline to come up with the rest of the cash or do i just acknowledge their offer, decline it and start the claim already ? soz to be stupid - very confused over here . . . woodpop
  7. they wrote the same to me. thereby implicating themselves in having been charging over and above what our breaches cost them. not that i understand how it costs them £8 for me to make my payment 2 days late . . . . looks like we're getting there though ! anyway - i've issued claims now against barclaycard and amex - do i wait 14 days from the date the claim was issued for them to acknowledge or 14 days from when the claim was served, and if so - how do i know when they'll have been served ? cheers
  8. hi there yip i sent the prelim letter and the lba. do i then, need to send the lba again to decline their offer ? cheers woodpop
  9. hi there sorry, i've been away for a bit with no internet !! anyway, sent letter before action - got one back saying they're reviewing their default charging policy policy blah blah and that they once credited my £50 for late payment charges, and that's enough of a goodwill gesture as far as they're concerned. marvellous. so i'm filing a claim as we speak - WOO WOO ! does anyone know what i'm supposed to put in "particulars of claim" ? do i just list the amounts > i.e. £350 unfair charges + 8% interest = £378 and can i stick on another £50 for my time / a
  10. hello i received an offer today of £700 from barclays from a total claim of £2429.11. i want to carry on and pursue the whole amount. do i need to write another letter saying thanks but no thanks and i'll now be filing a claim or do i just go ahead and file ? and upon reading this forum - it would seem that when barclays pay out in full - they ensure no one returns to the forum to tell of their success ? how can they do that ? cheers woodpop
  11. hi libertie will definitely keep you posted - actually, i sent my letter to barclaycard and barclays bank and neither of them have got back to me yet . . . quite nervous about the whole thing i have to say . . . cheers woodpop
  12. hi there thank you so much for this forum - it inspires confidence to take action against the outrageous behaviour on the part of the banks. it's completely invaluable - thank you ! ok so i sent my preliminary letter for repayment (£350) to amex on the 18th may. i received a letter from them dated 22 may saying: "thank you for your letter . . . we are currently in the process of investigating the issues . . . . please find enclosed a copy of our complaints procedure . . ." then, i received another letter the following day, dated 23 may saying: "i refer to your le
  13. thank you ! all understood. will get on to the vampiress spreadsheet straight away. cheers emma
  14. hi there i'm confused as to whether to ask for the 8% interest in my preliminary approach for repayment letter. in the letter in the library - it says "i calculate that you have taken £xxxx plus £xxx which you have charged me in overdraft interest for the sum which you have taken. Total £XXXX" when i click on to the spreadsheet in the library to calculate the charges it says "Do not use until filing claim !!! If you send the bank a letter before you have given them time to pay up demanding 8% APR they will know that you do not know what you are doing and this will more than likely
  15. p.s. i read all the faqs over last night and today but couldn't find anything on this . . . soz !
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