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Hackers75

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Posts posted by Hackers75

  1. Fianlly got all my statements and sent them a letter requesting £355. They replied and credited my card with £155 saying that was the difference between £12 and £25. Please can someone advise me on how I claim the rest?

     

    I am thinking of sending an LBA saying thanks for the partial repayment but I would like the remaining amount of £200 in 7 days or I will take court action.

     

    Please can someone advice me? Thanks in advance

  2. Nightmare!!! Barclays acknowledged my claim yesterday (14th day is today). Then I re-read my particulars of claim and realised I had made a mistake. I forgot to include the interest in the Amount claimed box so I was claiming £2000 instead of £2732. Also notice that I was claiming charges back to 1999. Called Northampton County court and spoke to a very helpful lady who told me I need to fill in another N1 form send them a cheque for £35 (payable to HMCS) and complete a N244. Please can someone help me with the N244 form http://www.hmcourts-service.gov.uk/courtfinder/forms/n244_0400.pdf

     

    Thank you very much in advance and I realise that I am a muppet!!!!!!!!

  3. Please can someone advise me on their thoughts with this letter that I am thinking of sending to MBNA in response to their goodwill gesture.

     

    With reference to the above, and to your letter dated 15 November 2006. I wish to thank you for your offer of £530 in respect of bank charges levied over the last six years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform MBNA that I require the outstanding balance of £730 to be paid within 7 days.

    I require repayment in full of this money. If you do not comply fully within 7 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.

     

    Do I still need to send them a prelim letter and LBA letter or can I give them 7 days and then go for a Mcol?

    Thank you in advance

  4. Having read Cantsay's thread I tried to call Paul Miney on 01244 - 672628. Got a message saying "The number cannot be connect due to reasons beyond their control please try later" I guess poor Mr Miney is snowed under...will keep you posted!

  5. Sent SAR Letter on 23/10/06 with a cheque for £10 which was then credited to my account.

     

    Received a letter dated 15th Nov stating although they don't agree etc etc ..." We do value your custom and so we would like to resolve this matter. I have therefore credited your account with a goodwill payment of 3530.00 on the basis that this is in full and final settlement of your complaint. Please note that your credit balance of £540.00 will be sent to you by cheque in the next 10 working days."

     

    I reckon they owe me about £1100, what do I do? Should I write back and say thanks I will accept it as a partial payment but will be looking to reclaim the full amount?

     

    Also I have a £20k loan with them, could they demand the repayment of this if they get nasty?

  6. I have submitted my Mcol today :

     

    The Claimant has an account xxxxxx with

    the Defendant, opened July 1990 2. Since

    12/11/99 the Defendant debited charges and

    interest in respect of purported breaches

    of contract. 3. Defendant is aware of all

    details as a list of charges has already

    been supplied. Another copy will be sent.

    4. Claimant contends: (a) The charges

    exceed the Defendant's losses caused by the

    breaches; (b) The Term permitting the

    Defendant to levy such charges is

    unenforceable under the Unfair Terms in

    Consumer Contracts Regulations 1999, Unfair

    Contract Terms Act 1977 and at Common Law.

    5. Claimant claims: (a) return of the

    amounts debited of £2000; (b) Interest per

    S.69 County Courts Act 1984 of 8% -

    £732.28 continuing at 8% until judgment or

    settlement at a daily rate of £0.44; 6.

    Alternatively, if the charges are a fee for

    a service, then they must be reasonable

    under S.15 of the Supply of Goods and

    Services Act 1982.7. Costs allowed by the

    Court.

     

    Does this look right? I would be very grateful if someone can confirm and reassure me that all I have to do now is sit back and wait for Barclays to acknowledge the claim?

  7. Reference xxxxx

    Account Number xxxx

    Sort Code xxxxxx

    With reference to the above, and to your letter dated 13 November 2006. I wish to thank you for your offer of £980 in respect of bank charges levied over the last six years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform Barclays that I require the outstanding balance of £1020 to be paid within 7 days.

    I require repayment in full of this money. If you do not comply fully within 7 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.

    Any amendments needed???

  8. Received a goodwill offer of £990 (less than half of what I'm due). Pah!!! Too little too late. Going to send them a letter saying I will accept this as a partial payment and they have 7 days to pay me the remainder or I shall take court action with no further notice.

     

    Please can someone confirm this is the right thing to do?

  9. Hello, I was redirected here from the Martin Lewis Website (I heard him talking about this on Radio 2 a few weeks back). What a wicked site. I feel very motivated reading other people's cases.

     

    So here is my story so far...

    6th October - Sent a letter to Barclays asking for details of all my statements going back 6 years.

    12th October - received all my statements (but in a different format to normal)

    16-20th October - Read through the website

    20th October - Preparing to send my prelim letter claiming £2000 plus £381.63 overdraft interest

     

    I hope someone can help me...I have used The Vampiress Google spreadsheet to calculate the overdraft interest but mine seems quite a high amount to claim in comparison to other threads I have read...I have redone it twice but still get the same figure am I doing something wrong.

    Last edited by Hackers75 : 31st October 2006 at 17:20.

     

     

    icon1.gif Re: Hackers75 VS Barclays

     

     

    Hi - it depends on the spreadsheet you are using (compound contractual, or standard interest) and when the bulk of of your charges occurred. The more recent ones will have less interest than older ones. It's not easy to give an average figure as everyone's circumstances are different. £381 on £2000 doesn't sound excessive to me.

     

     

    icon10.gif Re: Hackers75 VS Barclays

     

     

    I received the standard letter from Mike Brophy "...I am sorry your unhappy...A full report or an update on our progress will be sent to you within eight weeks..."

     

     

    Preparing the LBA letter (for posting on Friday). Bring it on Barclays, I look forward to having my money back and buying my wife something nice (after making a donation to you guys!)

  10. I sent Barclaycard a letter stating...

     

    With reference to your letter of the 26th October in which you advised me that microfiched archives are not covered by the Data Protection Act and therefore not subject to the 40 day ruling.

    I am sure you are aware that the Information Commissioner recently found against Abbey on microfiche disclosure and that these archives are indeed subject to the 40 day ruling. I would therefore, be grateful if you could expedite delivery of the requested data to me at the above address.

    I will keep you posted!!!

     

     

     

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