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vincethod

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Everything posted by vincethod

  1. Well, I guess we can call this one won... Of a claim for 1900, my friend has accepted their offer of 1600. I did try to tell him to go for the full amount but he just said "I'm not greedy, I can take my daughter away for easter and I'm happy" so no real point pressing the issue. Chalk this one up in the win column folks. Vince
  2. The Money Programme investigates the validity of penalty fees that banks charge their customers as he meets people trying to get their money back. http://www.bbc.co.uk/cgi-perl/whatson/prog_parse.cgi?FILENAME=20061212/20061212_2200_4224_5886_30
  3. Thanks - That helps a great deal. 1) I worked out the interest based on 8% (County Court), 10.9% (authorsed OD) and 19.9% (unauthorised OD) and between the first two it made about £100 difference (claim is about £2000), but at 19.9% it uppped the interest by £500, I'm thinking it might be better to stick to 8% after all (19.9% seems downright cheeky to me). 2) I don't recall seeing and Recall SO/DD enries in teh statements, but I'll get my mate to check. 3) Thanks - Looks like it's MCOL here we come 4) That's good to know, but my friend is planning on moving anyway, since the £10 a month charge thing came out. Cheers Vince
  4. Hi folks, Energised by my success with Barclays, I'm now helping out a friend with First Direct. He has his statements, and has sent preliminary letter (not the one on here, but never mind) - I've come in at the LBA stage, and I have a few queries: 1) Has anyone tried (and succeeded) with a claim including contractual interest? If so, at what rate? 2) I've totalled all entries for "Overdraft Fee" and "Excess Overdraft Fee" - Is that right? 3) What is the general vibe about the stage FD pay out? 4) Do they have a reputation for closing down accounts? I'll spend some time reading around, but I'd appreciate any input you can add here. Thanks in advance Vince
  5. Open a new account, contact your DD payees and advise them that your are changing banks and there may be some disruption, but you will be able to resume payment once teh dust has settled. They will be more receptive to this if you advise them in advance than if you don't, well, some of them may play hardnose, but they would have done so anyway so you haven't lost out. Got to be worth the phone calls/letters for peace of mind. Vince
  6. I remember reading from Bookworm's thread that they refused to refund the charges she had incurred since MCOL, bt you can always argue the point (no harm in trying, otherwise you go through the same process again. With any luck, the refund from Barclays should be enough to clear your OD or at least get you within your authorised limit, after that, strict budgeting is the key - I heartily recommend looking at thiese two sites: TMF: Living Below Your Means (don't know if that link will work, so here's how you find it: Go to Best credit cards, cheap mortgages, personal loans, savings accounts, house & car insurance - The Motley Fool UK and click the Discussion board link in the top-right corner - then look for the Managing your finances section (they have a dealing with redundancy board there as well) And Living Below Your Means But in my experience, Barclays have not been calling in ODs Vince
  7. jacquilottin, I hope you don't mind me jumping in here, to keep track of your thread: 1) Click on your user name in the above posts (just above 'Basic Account Customer') - A Menu will open where you can select "Find More Posts by jacquilottin" or "Find all posts by..." click this and you will see all the posts you have made. 2) One of these will be your thread (Jacquilottin vs barclays or whatever you called it) click to bring this one up 3) At the top of each post at the right-hand end of the dark blue bar, you'll see the post number (your last one in this thread is 152) and a 'permalink' link. Click the Permalink to load your thread into your browser, then select Ctrl-D to add a bookmark/favourite for your thread (or use the Favourites/Bookmarks menu, depending on your Web browser) HTH Vince
  8. Thanks everyone, the hangover's fading slowly now... My only thoughts on the matter of why a) they made such a seemingly large initial offer (£1000 vs 1300 = 76%) and b) why the rolled over so easily is that my claim only covered charges from 2004-2006, because 1) I already had the statements and had already typed them all in, and 2) I don't think I incurred that many charges before then. But I do imagine Barclays have ready access to the actual amount I could claim over 6 years and maybe they've made a calculation based on that - I'm slightly tempted to find out what the 'missing years' 2001-2004 would reveal. I have signed for Full & Final settlement, but surely that only applies to the original claim (2004-2006) doesn't it? However, this kind of thinking can drive a body insane. I and actually happy with what I have so far. Other interesting point, Barclays must not have trained their Swansea staff in the ins and outs of their defence as I'm sure that at one point someone mentioned if the claim was going back 7 (seven) years - Maybe someone at Barclays broke a mirror! Vince
  9. There is a charge, depends on the level of your claim (it starts at £30 and goes up to about £250, I don't recall where the cutoffs are off the top of my head, but I paid £120 for a £1500 claim) The website will calculate this for you and you can save your claim online so you do not have to complete it in one sitting. And yes, once you have done this, the charge for MCOL is added to what Barclays must pay you to stop. ETA: These are the costs you said you would be claiming in your LBA, also don't forget to add interest to the quantities at this point and calculate the daily interest rate for the period from your claim to the date of settlement. Vince
  10. Mrs C, The links here: http://www.consumeractiongroup.co.uk/forum/guidance-notes/ are great for setting your mind at ease with the whole process. Remember that the small claims court is designed to be easily accessable to the general public, so you don't need to fill your statements with loads of 'notwithstandings', 'heretofors', latin phrases or any of that. Stick to simple plain english that conveys your message as unambiguously as possible and you won't go far wrong. Vince
  11. Yeah, that's fine. Send it. They will then withdraw their offer and you carry one as you were with MCOL for the original amount (if there have been any more charges since then, include these in your MCOL claim - it will save you having to start the whole process again) Vince
  12. Right, Cash is in the bank or, as Blackadder might say, seen it, nicked it, spent it! Yes Welshman, the final tally included the £90 in october, As i had included that amount in my MCOL claim, it also included the MCOL costs as well, but not the 8% interest (I figured I had to offer some concession to get them to agree). As to why Swansea I couldn't say, maybe Barclays have just opened a new call-centre their to deal with all the bank charge enquiries. All I know is that from watching Torchwood there's some rum things going on in south Wales... Vince
  13. Yes, she was from their Retail Customer Services dept. I feel a bit deflated as I was all geared up for the long haul and the caved after only four weeks and two letters - I mean, that's not exactly playing the game now is it? Having said that, I still haven't seen the money go into my account, and I'm a bit wary of going out to celebrate until it does. Still, the MCOL is staying in place until I'm 'holding the folding' All the best with your claim. Vince
  14. Especially this part; Again, it was very telling that not one single person in the room was prepared to stand up for these extortionate charges. Indeed, it was agreed that the base cost of notifying a customer about these charges is around £1, to cover printing and postage costs. Of course, no-one would tell you, the customer, that, though! Vince
  15. That's exactly what happened - The original offer was for about 80% I called and suggested full amount plus costs plus the £90 they'd charged in Oct (total 1500) and they accepted. I spoke to a lady in Swansea. I'm now just waiting for teh funds to go in and I'll call MCOL off. But right now I'm chalking it up in the win column. JOY!!!!! Vince
  16. OK, Sent MCOL off yesterday (for £1505 inc interest) and came home to an offer of £1000 (from an original claim of £1200). I am very tempted to phone them on the number they suppky on their offer and try to reason with them (Lord help me!). I figure that it cannot hurt, as if they do not accept my compromise (I'll waive the interest) hen I just carry on as planned. In my mind it's worth a shot (I'm just going to let them get in and get themselves a coffee first...) Vince
  17. As I said, I only dimly remember that KJ is no longer dealing with the claims, but I have read some newer threads that mentione him, so maybe he's back on the case. Vince
  18. Well, I'm 1/4 welsh, so here goes: I take "Strict proof of charge" to refer to a photocopy of the actual statements rather than the spreadsheet you have typed up (remember, they'r trying to intimidate at each stage so don't worry - you will supply copies of your statements/the printouts you got from your SAR in your court bundle.) I guess they're kind of implying that anyone could have made up these charges, typed them into Excel and claimed them back from Barclays. "Averred" means "I went to law school and don't need to say 'claimed', 'maintained' or 'said' especially if it means I can scare the plebs" As to the "prior to 3-Oct 2000 under the limitations act" part - I've been thinking about this a bit lately. Surely, if the charges older than 6 years are ineligble for claim, then by exclusion, charges since that time are eligible. (The exception proves the rule). At the end of the day, what they're saying here is "you won't get anything from us and even if you do you won't get anything before 2000", but this relies on them getting a Judge to decide, and so far they haven't. I'd read around a bit to see what other people's experience of the 6-year rule is, especially in terms of when it is measured from. Vince
  19. Well, I'm 1/4 welsh, so here goes: I take "Strict proof of charge" to refer to a photocopy of the actual statements rather than the spreadsheet you have typed up (remember, they'r trying to intimidate at each stage so don't worry - you will supply copies of your statements/the printouts you got from your SAR in your court bundle.) I guess they're kind of implying that anyone could have made up these charges, typed them into Excel and claimed them back from Barclays. "Averred" means "I went to law school and don't need to say 'claimed', 'maintained' or 'said' especially if it means I can scare the plebs" As to the "prior to 3-Oct 2000 under the limitations act" part - I've been thinking about this a bit lately. Surely, if the charges older than 6 years are ineligble for claim, then by exclusion, charges since that time are eligible. (The exception proves the rule). At the end of the day, what they're saying here is "you won't get anything from us and even if you do you won't get anything before 2000", but this relies on them getting a Judge to decide, and so far they haven't. I'd read around a bit to see what other people's experience of the 6-year rule is, especially in terms of when it is measured from. Vince
  20. MCOL Submitted tonight!!! I brought it, I put it on the table and I opened it... It is (so I'm led to believe) on!
  21. Are they trying to scare me into making the decision Yes they are can I write them a letter politely saying thanks and ill have the rest off you soon your dirty s.o.b's?? Yes you can If so is there a template for suggested letter?! Have a look through the longer threads and you'll see what the other posters have written, basically "Thank you for the gesture, I will only accept this as partial settlement and will continue with my claim for the full amount" - Doesn't need to be flowery or official, just needs to tell them what's what. Thanks!! No problems
  22. If you read enough threads, (pick the long ones so that you can see the timescales involved) then by the time it comes to MCOL it will all seem very straightforward. Oh, and I LOVE your username... Vince
  23. AFAIK all measuremenst are in calendar days, not working days Vince
  24. Just to confirm (from my understanding) the SAR is a request for all details pertaining to you (the subject) not to the account, so yes, one request, one £10 and all the gen they've got comes your way. The S of SAR is the important thing to bear in mind. Sorry Sarah for jumping in on your thread. By my reckoning you should be about to go through MCOL yes? (me too, on Thursday of this week). Vince
  25. Barclays Bank plc Head office 1 Churchill Place London E14 5HP
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