That's great - I've printed it out and sent it - shall I uodate via this thread or start a new one ?

Hi I'm having a similar problem - is there a template for the formal request letter detailed above for Ireland please ?

They accepted that they had withheld the sum in question by mistake, now despite advice from the FOS they are haggling over the compensation that should be paid for something else to do with the claim Am also going to question the interest calculations which don't appear to make sense

I didn't have my account number - I took out a loan with HFC BANK in 1991 - phones them and said I thought I had an account, gave them the address that i thought it was registered at. They then asked me some questions like which branch j took it out at, where I worked at the time I took it out, and my job title at the time. They found me fairly quickly and confirmed the account numbers in writing with copies of the agreements about ten days later

Actually once they find you its relatively straight forward - word of warning though that number gets you through to a foreign call centre and there is a delay in them scannung stuff and sending letters - for example a letter sent to me on 23rd November got here on the 8th December !! To start things off I called them rather than do a subject access request and they found me pretty easily

I just updated one of the other posts with the address I used to get details of my accounts and the phone number as there seemed to be some confusion for another member.

Hi I've had some success with a similar case - noticed that the address that you've written to is different to the one that I used. I was sent copies of my loan agreements that I took out in 1991 from HSBC Bank Plc, Central Complaints Dept, PO Box 5055, Coventry CV3 9EF after I phoned them on 0845 602 3793. It took them roughly 10 days from when I asked to receiving them

Thanks - have done that so fingers crossed - will update when I hear anything.

Thanks - that's exactly the wording on both letters - On the account in question it states in a letter dated 15th July 1998 - we acknowledge receipt of your payment of £1000 and confirm that this is accepted in full and final, settlement of your HFC loan account. Yours faithfully etc On the other account which they didn't say had a balance outstanding in a letter dated 19th may 1997 it just says We confirm that the above account is now wholly satisfied

Morning guys A little bit of advice please - I successfully reclakmed PPI from HFC Bank for a loan I took out in 1991 - I accepted their offer but noticed that they had withheld £900 for a balance they claimed was still outstanding. I was pretty sure that this wasn't the case - the account was manged ultimately but not transferred to Reston's their in house rottweilers who basically harangued me to repay the debt and I vaguely remembered taking out a bank loan to get them to get them off my back Anyway to cut a long story short I did some more digging and found two letters from Reston's in 1998 confirming that both accounts had been repaid and were now closed - specially that they were accepting the sum of £x in full and final settlement I'm assuming having read some of the other posts on here that they can't withhold any money that they feel is outstanding if I can prove that it isn't. I've written to them pointing out that these account were fully settled and the amount shouldn't have been withheld - this was the advice from the FOS who I'm pretty sceptical about getting involved due to the time it takes them Does anyone have any advice about anything else I should be doing other than this or should it be as simple to sort as I've been told?

Think they have loads more to lose than us, if they were forced to reveal the minimal cost of these letters Think its more a delaying tactic

From all the evidence to date, Barclays appear to have been settling before this stage, be interesting to see how this proceeds.

I received this email from Barclays today: Dear XX Thank you for your email. According to our records, your claim is due in Central London County Court for a Preliminary Hearing on the 17th July. At present, our intention is to send a representative to this hearing as there are a number of claims in the same stage of the process as yours and therefore whilst I think you for your settlement offer, it is not something I am able to address at this time.[/font] Thanks, Tom Wonder if this is the start of them fighting back - advice anyone?

I'm in the same boat too, however I received this email from Barclays today: Dear XX Thank you for your email. According to our records, your claim is due in Central London County Court for a Preliminary Hearing on the 17th July. At present, our intention is to send a representative to this hearing as there are a number of claims in the same stage of the process as yours and therefore whilst I think you for your settlement offer, it is not something I am able to address at this time.[/font] Thanks, Tom Wonder if this is the start of them fighting back - advice anyone?

Thanks, is there a template anywhere for the email I should send to them ?

Received a letter from the court assignng a date, but including the following: On Thursday 14th June 2007, District Judge Avent considered the papers in the case and ordered that: 1) there will be a preliminary hearing in this case (and several others which raise the same or similar issues and involve the same Defendant) at a time and date to be notified to you with this Order 2) The hearing is intended to give directions for the hearing of some or all these cases in a way which saves time and expense 3) It is hoped all parties will attend but if this is not practicble the Court will be pleased to consider the written views of any party provided that these reach the Court by no later than 3 clear days before the hearing 4) In the event that both parties fail to attend the hearing the Court shall make such order it sees fit including striking out the Claim and/or Defence as the case may be 5) Notwithstanding the value of any claim and whether it fails to be allocated to the Small Claims Track or otherwise, it is the provisional view of the Judge that the cost rules for the Small Claims Track should apply to them all 6) Because this order has been made by the Court without considering representations from the parties, the parties have a right to have the order set aside, varied or stayed. A court date of 17th July 2007 at 11:00 AM has been set Advice anyone please ??

Am in the process of doing my M and S court thing, did you get any response yet ??

Mine were called just 'Charges' and 'Letter Charges' Good luck

Sent the relevant letters to Barclays, for charges totalling £2700. Received an offer of £1500 which I declined. Filed MCOL. Barclays have issued a defence which presumably is the standard defence. With the defence was an order saying 'The filing of an allocation qestionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise' Any advice as to what this means / what is likely to happen / what I do next ?

Settled

Their defence has been filed by Kate Eaves of DG Solicitors in Birmingham It reads as follows : 1) The Claimants Account is governed by the Defendants personal and/or business banking terms and conditions 2) Pursuant to the Defendants terms and conditions the Defendant is entitled to make a charge for its services as set out in the Defendants Price List, including an overdraft review fee for considering whether to provide and providing and overdraft 3) The Defendant denies that the charges applied to the Claimant's account amount to penalties at Common Law and/or unfair contract terms for the purposes of Unfair Terms in Consumer Contracts Regulations 1999 (UTCCRs) 4) The charges applied to the Claimants account are reasonable, and are properly and fully disclosed in the Defendants terms and conditions and published price list. The charges represent the contractually applied price for the services provided and the UTCCRs are not applicable to them; alternatively they are not unfair contrary to the UTCCRs. Further the charges are not default charges and, accordingly cannot amount to a penalty 5) Save as set out above, each and every allegation made by the Claimant is denied. For the reasons set out above, it is denied the Claimant is entitled to the relief claimed or any relief Given that this is a store card, their defence has left me baffled - any advice gratefuly received.

Checked MCOL and they have filed a defence, anyone any advice / suggestions ??

Offer from Eversheds offering half of claim, and legals, rejected.

Thanks done it yesterday, guess its time to wait !

Did the usual letters, received a letter saying they would respond by 26/03/07. Filed MCOL on 23/03/07 for £2700 Received letter this morning offering settlement of £1575 which I will obviously be rejecting As I have already issued MCOL, is it worth sending the rejection of settlement letter from the letter template ?