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Trish76

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Posts posted by Trish76


  1. Hi and welcome to the site,

    tongue2.giftongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     


  2. No, it should look like this:

     

    Charges: £2290.00

    Overdraft Interest:You're not actually claiming for this so leave it blank

    Interest under s.69 County Courts act 1984:£362.82

    Court Fee £120

     

    Plus interest pursuant to s.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.50 per day Or at such rate and for such periods as the court deems just.


  3. If you can it would be best to actually take the forms into the court personally, they will be able to check them over for you and make sure all the information required has been provided.

     

    They will also be able to return your copy straight away.


  4. You are quite within your right to be refunded the £120 court fees. As you have already submitted the claim through the courts you have 2 choices, firstly continue with your claim and let it run it's course until you receive the full settlement, inclusive of court fees and daily interest acrued under Section 69 of the County Courts Act, or secondly accept their offer of goodwill but you would need to make it clear to them that as you've submitted your claim through the courts then you will only accept the offer if these fees were refunded too.


  5. Firstly the Overdraft Interest is NOT the same as the Section 69 8% interest.

     

    Secondly the daily rate is calculated by Charges Total x 0.00022, so you do not include the £362.82 as part of this calculation. The £362.82 is actually the daily rate of Section 69 interest calculated for each charge from the the the date each charge was applied to your account.

     

    So basically your daily rate will equte to 2290 x 0.00022 = £0.50 per day

     

    There is no need to calculate the number of days from the first charge (i.e. the 1853) as this has already been calculated for you by the spreadsheet.

     

    Hope this helps


  6. I'm afraid the courts do tend to allow the banks a little grace with regards to deadlines so the fact that Barclays filed their acknowledgement a day late means very little. The fact that they have now filed acknowledgement now gives the defendant a further 14 days to file their defence, which will be 21st June. Once they have done this you will receive a copy of the defence and further directions from the court.

     

    With regards to the court bundle you're actually a little way off needing this just yet. The court bundle will have to be submitted containing all evidence at least two weeks before the hearing date, but you really don't need to worrying about this for the time being and we'll cross that bridge if and when that stage arrives.

    • Haha 1

  7. 1. Tick c), without a hearing

     

    Leave the rest blank

     

    Part A:

     

    I ***** (the claimant)

     

    (that....) allows an amendment to particulars of claim in respect of charge details and dates

     

    (because....) the claimant is now aware that an error was made in not providing this information upon filing through the courts

     

    Part B:

     

    tick 'evidance in part C' box

     

    Part C:

     

    Something like;

     

    "I respectfully request that the court allows an amendment to my particulars of claim in respect of the addition of my charges schedule.

     

     

    Please find attached to this application my a schedule of the amount claimed along with dates and descriptions in respect of penalty charges levied by the defendant"

     

     

     

    Fill in an N1 using the POC's here:

    4. Particulars of claim - N1 - hard copy version

     

    Take 3 copies of the N1 and 3 schedules with the N244 and £35 fee to the court. They will send 2 back to you, 1 of which you serve/send to Barclays solicitors and confirm to the court you have done so.

    • Haha 1

  8. Hi Claire

    yes it can be very confusing,but dont let it get to you.When I first started I was stressing big time cos yes a bank is a mayjor institution and the prospect of taking "them " on can be very daunting.

    Have you had a look at the FAQ'S ?Reading them really does help.Also if you have a look at some of the many successes that will give you a confidence boost too .

    So really the next stage for you is to file your claim at the courts now. You can either do MCOL (money claim online) or go to oyur local court and do it in person.

    I hope this helps a bit.

    All the best

    Trish


  9. Hi and welcome to the site,

    :p

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!! :wink:

     

    Trish

     

     

    Useful links to help with your claim

     

    FAQ’s

    http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

     

    Letter Templates

    http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

     

    Interest Spreadsheet

    http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

     

    Court N1 form

    http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

     

    Mcol Particulars of Claim

    http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

     

    __________________

    IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

     

    When You Get Your Refund


  10. Well i for one think we have had our answer to if/when the chat room will be reopening...i dont think it will.

     

    That is the choice of the owners of this site, their choice and no matter how much we ask the question, the answer is still the same !!!!

     

     

    Yes very good reply indeed,and all i asked was simply why.But I shall respect whatever the outcome may be.It is simply like Bona mentioned that I miss the instant help we were able to give and also the brightening of the day etc. We did after all have many a funny night in there before all the trouble started.But hey I wont argue its just such a shame.And Bona,dont leave the grass aint always greener and all that........

    Trish xxx


  11. ah i get you, i understand the spreadsheet changes the interest based on the current day etc. so to get a final charge it has to be opened etc on the day of submission then to get a final final charge this is determinedwhen the case is closed on payout / settlement figure.

     

    sort of lol

     

    Yes you seem to have got it. As you will need this schedule again later on in the claim it's probably a good idea to print out a few copies on filing date. The other option would be that if you need the correct figures in the future you could just alter the date settings on your pc, this will adjust all the interest totals.:D

     

    Untitled-1.gif

     

    Please can you tell me if I fill this part of the form in?

     

    Cheers

     

    Yes you need to fill in this part but obviously as you're not using a solicitor you can leave that part empty.


  12. Hi and welcome to the site,

    tongue2.giftongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     


  13. Hi you all!!!

     

    I for one would love that chatroom back too . I was on holiday with the money that i won back through the help of this site,came back and all hell had broken lose and the chatroom was gone :o .

    Now I can understand some of the reasons behind the closure,but would have thought that by now things would have calmed down.Or not?? And what I dont get is this . If and I say IF cos i dont know etc.money has gone missing,what has the chatroom got to do with it??? Or the closure,what good does it do for it to be closed???

    Plz if somebody could explain i would be very very grateful.and YES i have seen the security breach etc.

    Trish


  14. The 8% total will be the total as of the date you file. The interest is not the total as of the last charge date as the interest is generated on a daily basis so will have increased between your last charge date and filing date. If you've entered all the details into the Spreadsheet then this will have been accounted for so all you need are the totals as stated on your schedule.

    The daily rate rate of £0.85 will then continue from filing date to settlement date.

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