Jump to content

 

BankFodder BankFodder

origami_kid

Registered Users

Change your profile picture
  • Content Count

    12
  • Joined

  • Last visited

Community Reputation

1 Neutral

About origami_kid

  • Rank
    Basic Account Holder
  1. probably fancies a long lunch that day
  2. bit off track this one, but i've been taking barclays to court over my bank acct recently, with a view to move onto my credit card next. in the meantime, i had to cancel my direct debit a while back and each month i've logged in online and paid the minimum payment on my barclaycard. Over xmas, i forgot. this week i got a phone call requesting payment, but won't have funds til the 25th, so told them that. they set payment to come out on the 25th. i then got a letter yesterday asking me to destroy my card, and to not use the details for anything, and also to set up a direct debit to arrange paying off the balance. Am i within my rights to demand that as i have no credit facility, that if i arrange a payment plan (say £100 a month for 5 months) that they should give me 0% interest on the balance as opposed to the extortionate 24.9% i'm currently paying? should be worth a try i'd have thought?
  3. I'm unsure as to why you're keen not to "fall out" with the bank? they're not your friends, you're just another faceless "customer" (EDIT ) who has gone overdrawn so they've applied the standard ( EDIT ) charge to your account. just as you know it's not the nice person behind the counter when you go into your branch that is to blame, they also don't really hate you for the fact they can see you're claiming back a charge! Moderated .. Please do not post anything on this site that may be seen as libelous , thanks
  4. oh, and also, i've got to pay a £100 fee to the local court now too - do i add that in somehow, or does it automatically get added when i pay it?
  5. my question now is: I've got to state that i've already provided the bank with details of the charge amounts and dates. but do i attach this list for the courts NOW, or do i wait for them to ask for documents? likewise for all the other correspondence i've had with the bank.
  6. i've found some pages with the exact rules stated: PART 16 -- STATEMENTS OF CASE and PART 3 -- THE COURT'S CASE MANAGEMENT POWERS
  7. I've gone through the standard letters, replies, offer of about half the ammount, rejection, and finally online small claims court claim, and have had a defence from barclays yesterday. My Particulars of claim are: now i've given them full details of all the charges, so presumably i reply that this is the case, and attach a full listing for the courts? but what IS CPR r16.2? i can't find the info on google in order to reply to that precise point. second point they make: again, what is CPR r3.4, and how do i reply to this point to ensure the worst case scenario of it being struck out is avoided? thanks in advance!
  8. thanks for picking me up on that - got to et the wording right in these letters eh! i've replied, declining the offer, and adding the £120 to the sum i feel they should pay me, and given them a further 14 days to pay in full, otherwise court action...
  9. i've posted this in the barclays forum, but had no responses yet.... I've received a letter from barclays today, offering £725, as full and final settlement on a claim of £1485. obviously i'll now be making a court claim for the full ammount, but my question is this: i've been charged another £120 in illegal charges in the meantime - can i now include this in this current claim, or do i have to wait til this is settled before persuing it, or should i call the bank and tell them to put that £120 back into my account right now? thanks in advance!
  10. I've received a letter from barclays today, offering £725, as full and final settlement on a claim of £1485. obviously i'll now be making a court claim for the full ammount, but my question is this: i've been charged another £120 in illegal charges in the meantime - can i now include this in this current claim, or do i have to wait til this is settled before persuing it, or should i call the bank and tell them to put that £120 back into my account right now? thanks in advance!
  11. first post today - i'm at the same stage, claimed £1485, been offered £725, as a full and final settlement without admission of liability. so the course of action is to refuse it and carry on with the full claim?
×
×
  • Create New...