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redkat74

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About redkat74

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  1. you shoud still be able to claim the rest in the normal way, i have just claimed sucessfully and dont worry they will try to bully you down but stick to it. About the 14.50 I wrote into barclays in november last year to have this removed as i was starting this claim and did not use the account, and every month i have had to phone up to get it refunded. I was told that you can just phone and tell them you want it removed. Do this but keep an eye out as they will not take it off but phone up and keep complaining i did and it will eventually workout. goodluck
  2. Success, what happend was, THe courts sent me a date of 8th march which i had put in my AQ that i was unavailable for so I wrote in to have it changed. They set a date of the 23rd March, I went away on holiday 3rd to 10th march i was in france. On the 7thof march i was getting frantic phone calls from barclays. The courts had not informed them of the change of date. So i spoke to Paul Quinn he said that he had sent a letter refunding the full amount claimed. I said great will talk on monday when i was back. Got home got the letter which had a duplicate in it to sign and send back. Now i have b
  3. Hi everyone just back for an update and advice, I rang the court last week to find out if i had a court date as I hade not heard anything. They told me it was set for the 8th March which was disappointing as I had indicated in the relevant section of my AQ that I would not be available between the 2nd and the 10th March. The court admitted an oversight and said it would be reallocated. I phoned back and was told that nothign had been done as i had not submitted this in writing! So sent a letter that day and am now waiting for a date. Barclays on the other hand have continued to pho
  4. Hi all Still not heard form the courts so will contact them this week, can it get to a situation where i dont know the date if i dont contact the court? just want this to end. Laineybelle thanks for the advice, i think it might be too late to offer any payment scheme to barclays as i have repeatedly told them that i will not be able to sort anythig until the court case is resolved. we will see. Cheers
  5. Hi Laineybelle have sent in my AQ to the court but still not heard anything it had to be in for the 21st jan. Did get a call from barclays debt collections again the guy said on the phone again that i had to make immediate payment to bring my account into order. I explained the situation and said i did not have the money and that it was bascially all charges and interest from barclays anyway. He said that when i had an update about the court case to ring and let them know. why? i dont know why they cannot talk to each other. anyway can anyone tell me how long it usually takes for t
  6. Hi sorry my mistake they do charge 10% included in the total monthly payment, they are brightside financial services. I originally went to them for an IVA but they suggested their PMP protected debt management plan, which is similar to an iva but not judge etc involved. they have been good but i am now looking at the other cccs as i dont feel that being charged in this situation is suitable. cheers
  7. hi i have checked my DMP and i dont have to pay the company, They work in the same way as cccs? by keeping the money for a certain period. it is a good way to go as they can get your debtors of your back. good luck
  8. Hi Tanz yes thank i have put that in will add the bit about schedule of charges at the bottom. What new approach? I have seen something but not sure??
  9. Sorry Bookworm think i might have done it again but will continue on this one from now on. I need help woith the allcation questionnaire N149 think i may have filled it out wrongly in section G. I looked at the step by step and the help section and have written in the info given but my clain is for only 1200k so is this the wrong info to put in? also do i need to add my schedule of charges when io sen this in? I have not refered to it in section g Cheers
  10. Hi Have just read your thread and it seems very similar to mine. I went over my over draft by 100 pound and was charge 90pounds for it so when my wages went in i was 200 pounds down and so on, until i decided to use this site and all the helpful info on it to get my charges back currently at AQ stage. I am also in a similar situation with debt and have looked into an IVA but the company i went with offered me a debt management plan instead as i would not of been able to afford the minimum 300pound monthly payment for an IVA. I now pay 200 pounds a month for all of my debt (except c
  11. Hi all I have checked the FAQ and step by step guide but i am still a bit confused, well i am blond:). My claim is for 1200k so under the 5000k limit for small claims track. Do I need to add my schedule of charges to this form when i send it in? Aslo what do i put in the section G, i have written in the templete on the help section for this form but now think i might have put the wrong thing in as my claim is only for 1200k. Can anyone help me with what to actually put in section G please:confused:. All the best Red
  12. Hi Fully Skinted It looks as though yours is very similar to mine, although there are some differences. I am not 100% sure on what to put in section G on the AQ. Mine is due in on the 21st Jan the same, can you give me a few pointers on the section G or is it just similar to what you put with the releveance to my own case? Cheers Red
  13. Hi all have received my allocation questionaire today which is fine, but i have just read BB defence slightly worried now. The reason this all start is becuase i went over my overdraft by about 100quid, was charged 90quid for it, so when my wages went in the following month i was 200quid down, went back into my over draft charged again and so on. It got to the point i stopped using the account as i was paying all my wages into charges. I did contact the bank for an increase in overdraft or loan but was told not to bother (exact words) as credit rating was too low. So i stopped usin
  14. Hi Tanz Thanks for the response, I received a letter from them today saying that my request for 'first right of appropriation' will not be accepted due to my unsatisfactory overdraft, I am about 200 pounds over my limit at this time and it is all charges applied by the bank. Can they do this? They also say that they will take the deposited money as payment towards the outstanding amount. Where do i go from here and can anyone help me with what my rights actually are? cheers and a happy new year to everyone.
  15. Hi I wonder if anyone has had a similar situation as myself with barclays. I started a claim as they charged me for going over drawn and then refused to help. I am still over drawn as they still apply charges to my aco**** even though it is in dispute. I have used my right of appropriation for standing orders and direct debits, which i sent in on the 15th of December (first payment was not due until about the 25th of the month). I have been receiving phone calls from collections team about 3 times a day every day for the last 2 weeks. I wrote to complain and said that i would require all
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