Thanks Katie and one of a kind. I think you're right; where's the good will in paying me back half of my money? I'm going to screw up my courage, top up my gumption, get rid of my headache and then get on with the N1! Thanks so much for the encouragement. Lulubelle x

Thanks one of a kind. I know; it's a tricky decision and you're right, the extra £850 would go a long way. I changed my mind when I started reading all the posts and stuff about preparing for court and got anxious that this is all way over my head. But maybe I should reconsider??:?

Hi, is anyone able to help with my previous question please? I'd like to accept Barclays offer but not the condition (that payment is used to reduce debt). Could anyone please clarify what happens if they don't respond in time and accept my condition (payment by cheque)? i.e. I'll have to carry on to court, but would I claim for the accepted amount or continue with the whole claim? Thanks in anticipation of some advice and help. Lulubelle.

Hi all I've had a re-think and have decided to accept the 50% offer I've recieved but I'm still going to reject the terms. I can't find a letter or post that covers it so could someone please help with the wording? (I was going to paste it in but think it may not be allowed as it's taken from a library template?) Anyway I'm saying: - I accept the full and final offer - But I don't accept the conditions of payment - I state my conditions i.e. payment by cheque payable to me - I reiterate I don't accept their conditions - I give a 10 day deadline for receipt of payment - After which point I state I will commence court action for the full claim, plus interest plus costs Is this OK? Will it weaken my case if I go to court that I have accepted the offer, but not the terms and then claim for the full amount? Thanks so much for your help. Lulubelle

Thanks Saintly. Will give it a go tomorrow when brain rested. Best Lulubelle

Thanks saintly! It definitely helps. Re the speadsheets: I have a horrible feeling I did something wrong when I intially entered the data, which mucked up the 8% page. I have tried to download the advanced version again and copy the data in, but the interest amount comes out slightly different and the 8% page still doesn't automatically calculate. (I tell a lie, it did calculate earlier but the interest came out at £27,000ish! Oops! :-| ) If you can let me know the calculation I can do it manually and enter it myself? Other, simpler suggestions are definitely appreciated. Thanks, Lulubelle

Hi all A number of questions for help with please, if possible (have searched for hours but still unsure): - Have received offer of 50% of claim, £850, following LBA (but after the 14 days) - In addition to being a full and final offer, it stated the following condition: as there is a debt on my account of almost £2500 (and in fact has been registered as defaulted for 2 years, which was because of not receiving tax credits payments due to an overpayments recovery error) 'this sum to be used to reduce your debt. This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill'. I intend to reply with letter 2 (? hope this is right), accepting as part settlement but not accepting the conditions. So, my questions: i- Am entitled to not pay court fees, so completing N1. Having problems with 8% part of spreadsheet, keep getting this error thingy: #Value! Can anyone please tell me what I'm doing wrong?! ii- I don't want to agree to the conditions (I have rent arrears and need to prioritise any money received to repay these), does this appropriation thingy apply in this circumstance? Can I request a cheque in payment? iii- why can't i figure out how to create a new post? Instead I keep on replying to my previous posts. What has happened to my brain? iv- Has the large gin I poured myself earlier affected my coherence? Yours (in awe of those able to use the site more sensibly than myself) Lulubelle :grin: PS Sorry, just realised that smily I selected was 'grin', not 'gin'!

Thanks Chorlton. I looked at the spreadsheets and have used the advanced one in the end. But I'm not sure the final column (interest on penalties) is right. It's just using the interest charged figure from column H. I think I'm doing something wrong. I had a £3000 O/D facility: up to £1600 was free, £1600-£3000 was 1% above base & over £3000 was unauthorised rate of 24.582%. So in column J I'm entering £1600. Is this wrong?! Thanks, Lululbelle

Thanks Chorlton. The 14 days has slightly slipped though; am just sorting the LBA now. Can anyone pls give me a definitive answer re adding interest though? I have read other posts, FAQs & the library but I'm even more confused about it (especially as lots of people haven't always done it right, it seems!). I understand I don't add the 8% until it comes to the Mycol thingy (however it's spelt) but am confused about adding daily interest. Do I need to do it, and if so how? Or do I just send the original spreadsheet with no interest just charges? Would really appreciate some help . Lulubelle

Micky, you are a very cheeky hippo!! And no, it wasn't pre-decimilisation times! It was the time of Dallas, Dynasty, big shoulder pads, big bouffant hair-dos and mobile phones barely existed!

Hi all Received standard response from Barclays on 18.04.07 stating they're looking into my claim but not making any offer as yet (prelim letter sent 10.04.07). Could someone pls advise if I still need to wait 14 days before sending off my LBA, or can I send in response to the prelim? All help gratefully received! Thanks. Lulubelle

It's taken me 6 months but have finally got round to sending off preliminary approach for repayment letter on 10.04.07 (have statements going back 20 years like the good ex-employee I am so no need for SAR). Heartened to read of successes against Barclays. Good luck one and all. Lulubelle

I really sympathise with you Claire. I'm glad you've managed to sort the o/d out and hope that's the end of it for you. I got into difficulties paying my graduate loan 18 months ago when my Working Families Tax Credit payments were reduced without warning by 60% to pay back overpayments. I contacted the branch ASAP to request reduced loan payments for a few months while it was sorted, but frankly I was a naive fool . They took away my o/d facility, I therefore couldn't access my months salary (I'm a single parent) and moved my accounts to Recovery. Three months later all of the WFTC 'overpayments' were paid back to me as it was in error, but the damage was already done. I'm still paying £1 per month into each account as the default is there now and its a huge struggle to pay the loan repayments. At the time I didn't understand what would happen when I said I couldn't afford my loan repayments (even though I used to work for them !), that's why I think this site and forum is SO excellent- people are well informed and supportive and I for one am extremely grateful! Lulubelle

Thanks so much Serendipity and jigr69. Must admit, the buggers have definitely got me down in the past but I have nothing to lose now. I'll be looking to you all and your posts for inspiration. Thanks in advance, lulubelle.

Hi all This is my first post and I wanted to say hi to everyone. Like most others I'm rather overwhelmed by all of this and will be spending my weekend reading all the posts and FAQs, having done some initial reading. I used to work for Barclays 20 years ago :o. My current and loan accounts were moved into default last spring due to a WFTC overpayments fiasco (that's another story), so I now have a basic account elsewhere. I've got all my statements for the past 6 years and reckon the total charges will be four figures. Apologies in advance for any dumb questions and best of luck to you all! Lulubelle