Excellent...good luck

ab there are other people who are claiming and have successfully reclaimed these charges. (see successes link) Halifax will say they're reasonable...they said that about the £30 charges too! The fact is that they are penalty charges and at even £12 a go I personally think they aren't reasonable. As it is, hidden, the choice is yours. You can accept them, or try to reclaim them back

Yes they are classed as charges and yes they are in line with the OFT ruling, but the OFT states that at a £12 fee it wouldn't interfere, it didn't say that £12 is acceptable. Therefore you can reclaim those charges...until such a point that Halifax C/C can provide a breakdown of their costs in court....which they won't. A penalty is a penalty...whether £12 or £30...it's still over-inflated.

Hidden, I'm going to ask a mod to change your thread title to hidden v halifax credit card so that you can stick all your questions about this claim in here, to avoid confusion. Please don't start new threads for questions relating to claims that already have threads in future, just put them in the relevant one and they'll eventually get answered

Found it! Yes, you can reclaim from your credit card, as a seperate claim to your bank one. Send them an S.A.R. to that address you have there...which I understand is the registered address, with a £10 fee, and get started with that one too.

Hidden, to avoid trying to hijack des's thread (sorry des!) give me the link to your thread and I'll respond on there....

I am, totally! Read post 43 for how the settlement call went...rather amusing: http://www.consumeractiongroup.co.uk/forum/barclays-bank/25276-crash-barclays-3.html

Yes hidden, sometimes if you call them they do send out statement for other accounts, but in effect, you only need one £10 for any accounts you hold with them..I didn't have to pay any extra than the tenner, and got info on both accounts with the one S.A.R.

I won.....

Tori, the reason you can't ask for it straightaway is because the 8% interest is only applicable at court stage. If they were to settle with you before court, you'll have asked them for something you're not entitled to...if you see what I mean. As it is, the likelihood of them settling before court is very slim, so you'll be ok. Otherwise I would recommend not to mention the 8% until you file the claim, as you don't want them thinking you don't know what you're doing...

Des, mine was exactly the same and I combined and claimed the two together, even though they sent me two sets of letters for each account. If you do it separately, you'll have to pay two lots of court fees too. That was my thinking, so I kept it as one, and have recently had my claim settled in full. As long as you state both the account details in every letter, it's fine.

ashy if you can get them with a phone call, then no need for the D.P.A. letter. If they don't turn up in 7 days or so, you can then send that letter

That's ok KJ, you've offered them the fee, whether they take it or not is up to them...your S.A.R. still stands. They've sent you an offer because they want you to accept a seriously reduced amount rather than pushing it further. Call customer services and simply ask them when you can expect to receive your statements which you requested xxx days ago. See where you get with that.

I thought I better start a seperate thread for hubby's claim. S.A.R. sent on 22 Aug 06; Prelim on 04 Oct as they took forever with the statements; LBA on 23 Oct; Court claim filed on 21 Nov for £1,404.41 for charges & contractual interest at 26.4% (rate charged pre-6yrs ago); AQ sent in on 26 Jan 07. Last date for filing was 09 Feb and the courts or I haven't seen anything from Barclays since. I called Paul Quinn a couple of days ago and he said they had sent it in and would chase. I reminded him that they've recently settled my claim in full, two days before the hearing (similar claim, bigger numbers) but he said irrespective of that they have to give other more imminent claims priority, and suspects they will be calling me to settle two weeks before a hearing date. So just waiting until that time.

For what it's worth Jackster, you're claiming from the Bank rather than the branch specifically. All your letters will be going to the Head Office so your branch doesn't even need to be involved. And as seahorse says, who give a f..monkeys (!) what they think..it's your money at the end of the day. They weren't doing you a favour taking, or refunding some of the charges. As far as the other loan goes, if it was a full and final settlement I think it would be tricky re-opening that can of worms. I'd personally leave it but the choice is yours

KJ, ring customer services and ask them where your statements have got to first of all. You do not need to send another letter with the fee again. If it has been over 40 days since you sent the initial S.A.R. then you need to send them a 'non-compliance letter'. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html If 40 days aren't up yet, you need to wait for a bit. Let me know how you get on with Customer Services and what their answer is.

Welcome ashy...just keep reading up on as much info as you can in the meantime to prepare yourselve in advance for each stage Good luck.

No need to lose sleep over it...I'm glad you feel better though

Well I didn't contact him so to speak, but I do have telepathic powers....

Oh yes, of course, I knew you'd seen one of them, I just couldn't remember which one. Feel free to holler as and when you need help

In that case read my halifax thread too...they conceded in full too, shortly before the hearing....just remember to stick to your guns

Hi SSL, As you'll know from my thread, Barclays are just too busy to be 'with it' enough to settle early, so they're taking all the claims very close to the line. I spoke to a guy about my husband's claim today and he said that they just can't settle any claim earlier than the ones with imminent hearings as they take priority over all others. A pain really, but there you go..think of it as more leverage when you settle for the full amount and not a penny less

I didn't send mine recorded, I just got proof of posting but as Falcom says, to make sure it gets there, recorded is a good option

Thanks Michael - Sue I hope this helps

From just re-reading it, you'd need to send any witness statements on the 9th (which you won't have, unless you intend to rely on a witness) and on the 23rd it may be worth sending part of your bundle as the 'arguments'. I'm not 100% sure on this one, so it may be worth you sending a personal message to one of the mods to ask them. Let me know how you get on.