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About perez30

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  1. Thanks for your advice Welshman. I didn't have an opportunity to ring Temi before she rang me yesterday. After a short delay (they'd lost the schedule of charges so I had to e-mail them again!) Temi offered me (*almost) a full settlement! (*I'd miscalculated a few charges so I'll only be getting £2280 ) Temi has e-mailed me a settlement offer and once this has been received by Barclays I'm told that my account will be credited within 48 hours. Of course I'll be putting a line through the confidentiality statement. But I've got to say - HAPPY DAYS!!! Thanks to everyone t
  2. Hi, I've been given a court date of 4th Jan and told that the hearing should take no longer than 15 minutes. Can anyone advise if it's worth contacting Barclays to give them another chance to settle or should I just sit tight and await the big day?
  3. I handed in my AQ on the 1st Nov, does anyone know how long it takes before a court date is set or how long you generally have to wait before you hear something? I've also been hit with a few more charges recently - can I add these on to my claim and if so can anyone help tell me how to do this? Thanks
  4. Unfortunately I missed Welshman's message and I've now delivered the AQ. Does it matter that I didn't include the schedule of charges???
  5. Bugger, Barclays only went and filed a defence yesterday. Received the AQ this morning which I've just completed and will hand over to the court in person this afternoon. The case continues...
  6. perez30

    JKOP Vs Cahoot

    Stay strong JKOP! I'm at the AQ stage of my claim and following your case with interest. Funny that she said they'd rather go to court and lose - because that's what would happen!
  7. Welshman, That clarifies perfectly and it all makes sense now. Thanks very much for helping.
  8. Well Barclays had until the 18th October to reply and although I haven't received any notification by post it says that the claim has been acknowledged on 16/10/2006 and that they now have 28 days to reply. I'm uncertain about the Judgement though, when I click on 'start', should I choose: The defendant has not filed an admission or defence to my claim or The defendant admits that all the money is owed I'd guess that, although I've received no direct notification, I shouldn't choose either as they've now 'acknowledged' my claim. I’d like to be 100% sure of w
  9. Money Claim submitted online - 29/09. Fingers crossed.
  10. Thanks victimnomore, The help is really appreciated. This is completely unknown territory for me so your advice is priceless. Thanks
  11. I'm currently completing the online form at moneyclaim and would really appreciate some advice as I'm struggling with this one. The details of my claim: * Cumulative Penalties charged - 1,530.00 * Interest on penalties - 250.87 * 8% on interest - 399.20 * 8% on interest on penalties - 37.37 In the particulars of claim, is the interest I'm claiming (under section 69 of the county court act) 250.87? Is the daily rate £0.34 (1530 / 0.00022)? And finally is the Total Amount Claimed £1530?? I've had a good look around the site and have only managed to further confuse myself
  12. Thanks for the advice Spotty. I've amended the LBA to inform Barclays that I reject their offer and have given them 14 days to comply with my request for full repayment. I'll keep you posted. Thanks again for the help. Phil
  13. Hi all, This morning I received a reply from a customer relations manager, Rose Frimet, who offered me £640 as a gesture of goodwill. :-| I'll summarise the letter as it's quite long: "May I say how sorry I am to learn you feel the bank charges you have incurred are unfair." "...we disagree with your view." "When an account is opened with us, our customer is provided with a copy of the Terms and Conditions relating to the use of their account...". "Despite my comments above in relation to your views, and without any admissions of liability, I am willing to offer the sum of £640
  14. Just to clarify as I think there's some confusion here: I'm referring to interest on penalties which is on the 'charges and interest' sheet and not the 8% interest. I hope this is right as I don't want to give them any opportunity to delay. This morning I received a letter telling me that my request has been forwarded to Head Office and I will receive a response before 5 September. This is 28 days after I delivered the letter. Would you advise to wait for the reply or to push for a more speedy response? Thanks
  15. 4kidsat147, This is the interest on penalties as calculated by the charges spreadsheet. I hope it's right to include this at this point? Thanks, Phil
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