Hi

This is my first post on the Nat West site I am just coming to the end of a claim agianst Barclays so thought I would send off for my statements and get my post started.

Well I have sent a email to Krysta and have added on a little to my total with the interest and see if she replys if not will give her a ring in a few days

[email protected]

Hi,

Krysta,

I am writing to you today after receiving my date for the court hearing to recover my charges imposed on my accounts.

Claim Number: XXXXXXXXX

Court: Skipton County Court

As you are already aware, Barclays have no intentions in attending these hearings and the Judges around the country are realising this.

With this in mind, I propose that, so we dont waste any more of each others time, and the courts, we discuss the matter of settlement out of court.

You will also be aware that claiming interest under section 69 ....... this is increasing on a daily basis.

As at todays date the amount being claimed is £3,825.55.

I am willing to cancel all proceedings against Barclays if this figure is agreed as the settlement figure to be paid into my bank account.

These funds will be used to reduce/clear the overdrafts on my accounts.

Hopefully, you will see, I am not doing this to gain financially, simply to straighten my finances with Barclays.

May I add that, taking this course of action to recover my charges does not reflect any disrespect I have for Barclays and I intend to remain a loyal customer for many more years.

You can contact me on 078.

I would be grateful if you would acknowledge this email either accepting or refusing my offer to settle as this will be included in my court bundle as evidence that I have made every effort to settle amicably.

I look forward to hearing from you very soon

Thanks dar3n for you advice and the email template

My court date is the 8th May so only just over two weeks to go. No word yet from Barclays but from reading the threads they seem to leave it till a few days before.

Hi Mogsie

What do you mean by reminder?

Well the court date is looming 8th May, my court bundle has been sent in and I have booked the morning off work just in case I have to go to court will keep you posted:)

Just wanted to let you know I am still around and still playing the waiting game,

Hi Jennifer

You will be able to if you get stick with anything just ask there is always some one who will be able to help you.

Well I have now taken over the floor in the lounge to prepare my bundles and will get them sent off to asap.

jenni.green4 hope you got my message if not then stick to the timetable and claim for all three of your accounts, got a similar letter (claiming for 2 accounts) and I still put in a claim for all of chages on all of my accounts to be refunded. They will try to tell you that there is nothing they can do hoping you will give up, don't it is your money and you have the right to get it back.

Best of luck and keep plodding on.

Just got my court date through 8th May 2007. The case has been allocated to the Small Claims Court which is what I wanted. The only directions the judge has applied is that I have to send my bundle to him and Barclays 14 before the Court date.

Well my Court Bundle is nearly ready just needs putting in order and sending out. It is huge and going to cost a fortune to post so do you think I should leave it a while to see if they settle the claim before hand. Has anyone got any advice

Just read the Defence they say one of my charges (£20) is out of date and I cannot claim for that but it was calculated from the first letter I sent to Barlcays. It is out of date now but I started the action in August 2006 when it was not out of date and did the calculations as I should have. My AQ is now with the Court will it be thrown out by the Judge becuase one charge is out of date what should I do as too late to get the AQ back as I am out of time

Took my AQ to the Court so that I am sure it has been returned in time(I had until the 8th January to send it back)

Just want to say a big thankyou to everyone who helped me fill it in and for the copy of the Directions.

Starting to get a bit nervous but have to say that reading other peoples comments is a big help

Thankyou all I will add this

Hello

Hope you all had a lovely Christmas and New Year.

Well back to the grind stone.

Got back from my Christmas break to find the AQ had arrived in the post and not the N149 as I had expected and was ready to fill in but the N150 which is for claims over £5000, sent in error but have to fill in in anyway. There is a part that is asking for directions which I am not sure how to fill in or even if I have to send any. Went onto the Jonni2bab Thread to find out how to fill in the AQ as it has a detailed explanation on how to answer all the questions for both forms.

If any one has any suggestions about the question F Proposed Directions would be very grateful for you help

thanks.

Hello

Hope you all had a lovely Christmas and New Year.

Well back to the grind stone.

Got back from my Christmas break to find the AQ had arrived in the post and not the N149 as I had expected and was ready to fill in but the N150 which is for claims over £5000, sent in error but have to fill in in anyway. There is a part that is asking for directions which I am not sure how to fill in or even if I have to send any. Went onto the Jonni2bab Thread to find out how to fill in the AQ as it has a detailed explanation on how to answer all the questions for both forms.

If any one has any suggestions about the question F Proposed Directions would be very grateful for you help

thanks.

Hello

Hope you all had a lovely Christmas and New Year.

Well back to the grind stone.

Got back from my Christmas break to find the AQ had arrived in the post and not the N149 as I had expected and was ready to fill in but the N150 which is for claims over £5000, sent in error but have to fill in in anyway. There is a part that is asking for directions which I am not sure how to fill in or even if I have to send any. Went onto the Jonni2bab Thread to find out how to fill in the AQ as it has a detailed explanation on how to answer all the questions for both forms.

If any one has any suggestions about the question F Proposed Directions would be very grateful for you help

thanks.

Ok back on my home computer.

Barclays have until the 26th December to file a defence (will have to be before the Christmas shut down or they will be out of time) they have given me a address for service which is

Barclays Legal and Compliance

Litigation and Disputes

Level 29

One Church Place

London

E14 5HP

Probably will not get any response from the Court until after the New Year as I amy pretty sure they shut down or just have a small staff on inbetween Christmas and the New Year. Even so my Court Bundle is all photocopied and ready to send out.

Update not got the actual dates with me as at work so have to be quick.

Barclays have until the begining of December to file their defence, I am looking on the web site to find out how to fill in the AQ then I am ready just in case they file a defence. Also getting my Court Bundle ready as quite a lot of paperwork with the 6 years of bank statements etc. Will hopefully have a fully working computer by this weekend to give a fuller update

Sorry my computer is not working and I am having to use the one at work, just got my letter from the Court to say that Barclays are to file a defence so they have the extra 28 days,

Well got letter back from Barclays basically saying if I do not accept their pitiful offer take them to Court, so their wish is my command. Sending off my N1 for today to the Court and have marked on my calender the 14 days to see if they file a defence or acknowledgement and if they acknowledge the claim have also marked a further the furhter 14 days they have to to see if I they then file a defence. So just have to wait and see what happens

Thanks have changed my letter and will stick to the deadline

Thank you for your letter dated 10/10/06

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £2465

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

My letter before action sent previously indicates that you have until 20/10/06 to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position.

Well got my offer letter less than half of what they have taken so am sending the following letter.

With reference to the above, and to your letter dated 10th October 2006. I wish to thank you for your offer of £935 in respect of bank charges levied over the last six years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform Barclays that I require the outstanding balance of £1,550 to be paid within 14 working days. This outstanding amount now includes an additional £90 of charges, which have been levied on the account since our first correspondence with you.

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Yours faithfully,

I'm not just a bit of wishful thinking on my part guess that friday feeling got to me

Ok given Barclays more than enogh time to come up with an offer and nothing doing. Guess they think if they leave it long enough I will go away!!

Sending my letter before action so hopefully will have the money before Ch istmas

Just got a letter responding to my preliminary letter. Barclays are saying that they cannot respond in the time limit set out in my letter. Do I still send the letter before action after the 14 days have expired?

Got my bank statements they have taken £2665.00 in charges, this is why I still have a overdraft on my account.

For years thought I was spending more than I earned but have noticed a pattern, they take an overdraft fee of £5.00 which takes me a couple of pounds over my limit and charge me £30 taking me further over my limit do not get a letter about this until the next automated payment has gone out so then I get charged even more. Should keep a better eye on my finances I know but am a full time working mum who hardly ever gets time to go near the computer let alone log onto online banking and my nearest branch is 12 miles away and phone calls well will not give out details from Deli so have stopped trying.

Sending my first letter asking for the charges back, will have to see if they close my account and demand I repay this overdraft which in theory is all charges they have taken, well they can't have what I haven't got!