I am in the process of claiming bank charges back from my barclays account. My question is this: I owe Barclaycard money from a credit card i defaulted on some years ago, Could Barclays use any money i claim back to pay off my credit card with out my permisson eg say well we would have given you money, but we are keeping it to pay off your credit card. Many Thanks

Well after sending the LBA in a bit soon I am going to send it in again ( this time i have waited the 14 days) up until now i have not had anything back from Barclays except for the sorry you are not happy letter.

Well here is a update: Got statements worked out that the BANK owed ME £3145. So sent Prem letter waited.. got reply sorry you are not happy ( too right i am not) but we will get back to you soon (sometime after 2010) so without thinking and BEFORE the 14 days are up i sent the LBA letter (OPPS). Do you think i have made amistake by sending it early or am i just a bit keen. The prem letter was sent on the 1st November and i got a reply from Barclays on the 6-11-06. I sent the LBA on the 8-11-06. I know that i will have wait until the 22-11-06 before applying to the court. any comments would be grateful...

I have read the letter a couple of times now and looked on the forum and it seems like a standard letter from Barclays.. Just got to wait for the postman now. Yes i used the letter of this website and i think the letter means that they will send me bank statements but will not sort out the bank charges for me, that bit is up to me..

I sent the letter to Barclays asking for my statements (with my £10 cheque) that was on the 15th October and i got a letter back today, with my cheque attached saying that " my request to assemble a schedule of charges is turned aside" and that they are under no obligation to present information according to any particular format !!!!! BUT they say " you may of course obtain thia data from copy statements and these will be supplied to you within the next few weeks. Has anyone else had this type of letter and what happened next?? I will try to scan in the whole letter for everyone to read later