Hi, I am acting as a witness for a friend. She works 20hrs/week, but these are spread across 3 shifts over an week. My question is, without contracted days, how will she know what she should be being paid whilst on suspension. Due to the nature of the investigation, the suspension is into the second week, and the disciplinary hearing is scheduled for Wed. How much should she have been paid, as I guess they could argue she would be paid from Thurs this week! I would guess you divide 20 by 7, and times by the number of days on suspension that week? Cheers!

Congrats you mad man!!!! Well done on a victory we all knew you had, and at last Barclays realised too!!! Spend wisely, and if you can't spend wisely, sue another bank to cover it! Stick around though - you must have a Credit Card that needs seeing too!!!! Peter

Back from hols peeps! Never fear I am here - lol Tez - WELL DONE!!!! See it's as easy as taking candy from a big fat baby!!!

Staple the cheque to the letter, and write the cheque number on the letter. For example, ...I enclose a cheque for £10, cheque number 12345, as per, bla bla bla... There's not much else you can do! Peter

lol Dar£n, like this... RING THE LIT TEAM NOW!!!!!

And Ring The Lit Team And Ask Them If They Want To Settle

Well bugger mee, if ol' Greeny didn't send me a letter. It's identical to the copy above, so you can double cross (no pun intended!) him off the list

Received! Thanks Painty!!!! Peter

Ohhh goody Does that mean I will have a letter waiting for me too!!???!!! I doubt it... But then who knows, I may be as lucky as Cazza! Peter

Hi Painty, Any chance of a helping hand! I am after the CCard CCI spreadsheet - can you email me one. I seem to remember you have it hidden away up north! Thanks in advance Peter you should have my email addy

Hi BW. My T&Cs from BCard don;t have any mention of charges (I CCA'd them) does this have any actual meaning to my case do you think? My BCard was opened in 2000. Cheers Peter

Don't do anything now. If you haven't had the money in your hands by the court date, take your bundle and the judgement letter and go to court. I think the judge will be with you on this one, so a stay seems the less likely option. If you do get the money through before the date, notifyb the court by phone and in writing asap If you hear from Bs but not with money, keep your correspondence and show to the judge. If Bs are ringing to confirm payment, tell them they need to get this done asap. You'll be fine Tez, just stick with what you know. TBH, your thread is so full of info it should be a step by step guide to beating Bs!!! Peter

Hi, anyone care to comment on this: This was part of a CCA sent by BCard. The CCA part was the usual application form, and the T&Cs had the above. This seems strange as it doesn't actually give any indication of what the interest rate is under the CCA. I am right in thinking that this means one of the prescribed terms is actually missing, and therefore can be the basis for the arguement, not ignoring the fact that the T&Cs are not signed, that the application form is only signed by the consumer and not the card issuer. This is pre 2004 (2000 to be exact). What is the next move? (this is on behalf of a friend, so would welcome advice for her) Peter

Thanks for your comments, and having read through them and checked them against what i have written and the report, can see that much of what you have said makes sense. My issue is with how this can all be articulated in the forms so judges can see clear differences between CCard and Overdraft claims. The BCard forum is slowly filling up with stays, and I believe this is in the most part because the standardised text has been used, so to a judge there is no difference in the arguiments. I would be grateful if you could think of ways in whcih the form could be bettered, although this is for myself, there are plenty of people who are crying out for a CCArd POC! There is alot of good stuff in the 2006 report, and we are not adding any of it in at present (well not that I have seen) and are then having to fight a double battle by trying to get stays lifted by using the report. Whilst I understand your comments about being careful, at present it is all that we (BCarders) have got at present, and we are fighting now on an 'anything is better than nothing' battle! Would welcome more constructive advice like Castle's Peter

Ok, just to finish the Barclays story, I went in the other day and closed ALL Barclays accounts, including savings and ISAs. The girl asked me why I was closing, and I said, in no uncertain terms, that I have just finished a court claim with the bank, which I won, and now don't feel I can trust the bank. I said that since Barclays has been found to be a bank with a culture of dishonesty and customer disregard, I feel my money is better off somewhere else. The nice thing was the queue of people behind me who all looked rather shocked at what I was saying, and some definate blushes from the Barclays girl. (I did say afterwards though that she had been very pleasant to deal with, and I was sure other banks would welcome here friendly customer attitude!) Peter ***CASE CLOSED***

ek! Well it shows that you can sell anything so long as there's an ebay! Although me thinks I'll stick to the new ones if poss!!!! Peter although not sure if I want them looking oike Frog Spawn either!

yeah no probs, wait til the cash is in your hands!

...not half as much as keep filling in these blooming N1 forms and AQs will!!! ha ha

can you post some more details pls Tez, like claim number, directions exactly as they are on the form, judge name and court. this will be of great use I am sure. Peter Sorry to have dissappeared on you Tez, you were doing fine, and I am now into a lengthly slog with BarclayCard - all is going as expected, but not in the main Bs forum as much now! Go get 'em!

well that's what i read between the lines anyway! And I think you can still get them - if not, I will get you to sort this out for me!!!!

So, sent BCard the rejection letter, stating again what I wanted, and how I wanted it, and could the cherry on top be one of those nice Glace Green cherries, and they replied with So N1 route it is! I'll be looking to do that later, and I'll be updating my SOCs to include CCI (I think that's the form the Green Glace Cherry will be taking!) and submitting my N1 before the end of the week, when I will be on holiday for two weeks. Hopefully when I get back I'll be getting ready to have default judgement passed, and if not, getting reaqdy to file my AQ! Peter

Tez, If you don't get a N225 and fill it in and take to your court I am personally going to come over there and drag you down!!! The Judge has let you win without going to court - this is because the bank screwed up, they thought they could stroll in and do whatever - the judges are fighting back! When you take the N225, make sure you take the MOST UP TO DATE SOCs with you, ensuring you have added the AQ and MCOL fee - the judgement says you can do this! Hand it over, and a few days later you will get your money. I can't see the judge granting a set-aside, because he made the order based on the fact the bank had no intention of producing documents. Bs cant argue against that. NOW GET DOWN THE COURT!!!!!! Good luck Peter

Also, are Credit Card companies that aren't part of a banking institution, or who wouldn't have a banking company as the legal address, having similar probs with auto stays by judges? If so - ARGH!!! - it's annoying!!!

Hi all, I am trying to bug peeps into having a little look at some revised POCs we have been looking at in the BarclayCard forum. They are here: http://www.consumeractiongroup.co.uk/forum/barclaycard/109687-particulars-claim-credit-card.html#post1092577 I am hoping people can have a little look and give comments on it. We are hoping to reduce the amount of stays currently being given to CCards because of the Test Case. Thanks for looking Peter

If they don't then you may find you enter a whole new kettle of fish! Basically, an unenforceable CCA could mean whatever you ahve outstounding would be wiped, and any defaults removed - in fact the whole file removed! It does, however, mean you can't claim charges back. But to answer your Q/statement, they WILL send you the T&Cs! Good Luck! Peter (could anyone else have a look at the POCs I posted on the previous page pls) Peter