Help!!! Can I use any of the many Barclays addresses I have for the moneyclaim? Thanks in advance for any replies

Recieved letter from Heather Bunting this morning to say that we appear not to be able to reach an amicable resolution but I can still accept their offer! Not long to go til moneyclaim, it's getting very scarey now

Finally done my LBA this morning as the printer decided to pack in and the new one only came yesterday!!! Typical, I get back from the post office this morning to a letter from Laurence White offering me £1,000. Very tempting I must admit but I like the sound of £2,000 and something even more so here goes typing out the thanks but no thanks letter now lol.

Received the standard sorry your not happy letter, we'll get back to you before the 20th October...I think not! I make LBA time the 9th of October!!

It was a nice surprise that it was so much lol. Just hope I get it all back because I've already spent it in my mind lol

Thanks welshman looks like I'll have to claim again then maybe lol.

I have now sent my request for repayment of charges, can someone please tell me if when I send my LBA can I add any other charges since that letter was sent to it or can I only claim now what I've asked for? Thanks

The interest is always added after we're over the limit so I've added them as well. I am claiming Interest charges, unautherised overdraft fees, paid referrals and unpaids out. Is this right??? :?

I wasn't going to claim any of the interest charges back but looking thru these statements some of them are up to £10 and over so I want to claim them as well now. I can claim these back can't I??? :?

Statements arrived this morning, coffee and highlighter at the ready! Just got to see now what I can and cant claim back.

Might be worth looking through these Litigation Concluded you might find what your looking for. Good Luck

Thanks for that Sharon, I'll get hubby to give him a ring so we can give him a bit of a nudge, we have still got 19 days left of the 40 but I'm sure it wont hurt to remind him that we are still waiting! The number I have for Peter Townsend is 01565 614000, is that the one?

We've always had trouble getting statements but I think that might be the post here sometimes more than barclays! I'm not that worried about them ringing because the accounts in my husbands name and he's rarely here in Barclays hours lol

Good luck Kath, your getting closer

If you meant the LBA it's this [your address] [their address] LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX] Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable. I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice. Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. Yours faithfully, [name] Red - if you have a default notice issue as well - which has been caused by the charges. Otherwise to not include this part. Blue - only include this if you intend to do it. Don't make empty threats DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER

Good Luck

No statements yet but they have still got til the 2nd Oct so I'm not holding my breath for them to be here soon!! Peter Townsend tells me they are in preperation! Hows things with you how you getting on with yours now Kath?

Thanks victimnomore, am I right in thinking then that I dont need copies of every letter they've ever sent me then just the statements? I thought I'd swotted up and knew everything I needed to do up to my LBA but not so sure now!

Congratulations to you

Think I've Made my first cock up!! I didn't realise I had to send another cheque with my last letter Recieved this from P Townsend this morning DATA PROTECTION ACT I refer to your letter 1 september. Your above letter appears to reguest information not sought in the previous letter of 33 August. The bank has confirmed that duplicate statements are in course of preperation and these will be provided without charge. If you now require further information, the bank is entirely willing to supply the general information that should be disclosed due to the DPA. To initiate the process Barclays will require payment of a £10 fee per individual which should be provided by cheque, payable to Barclays plc, directly to this department. Upon payment of the fee(s) the relevant information will be supplied as promptly as possible. I assume if the statements arrive now before the other stuff I can still proceed with sending my preliminary approach letter while I wait for them?

This is where you either accept their offer or send a thanks but no thanks letter and continue with your claim. This is the letter from the templates library if you haven't already seen it- YOUR Street Town City Postcode Date BANK NAME Address Address Postcode Re: Account number XXXXXXXX Response to settlement offer. Dear [named sender or Sirs] Thank you for your letter dated xx/xx/xx I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx 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 xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully [signature] [print name] Good luck whatever you decide to do

I sent mine to- Barclays Bank PLC 1 Churchill Place London E14 5HP Good luck

Good luck Neily, you're about as far as me at the moment

Just sending some good luck your way

I actually just posted on mamma caz's thread lol, re-checked my statement online and both debit comissions had changed. ! is now overdraft protection and the other is an account fee and I cant claim either of them back!