MCOL was sent on 9th feb, this is why I asked the question because i stated the oft bit on my LBA I am not making an empty threat so I want to send an OFT - Heres my case BLUENOSE81HUSKYS Vs BARCLAYS.

Hi I want to submit an OFT, to a bank as they never responded to my LBA! what wording should i put in it and is there a link to an OFT template?

Ok Cool Stuff!! Recieved letter from Northampton Court yesterday Deemed Served: 17th February 2007 Bank has til 3rd March 2007 to reply and file a defence now.

14 days from sent date, whether its working days or not! i.e. if you send on the 6th February 2007 the 14 days end on 19th february 2007 so send your next letter on the 20th February. Richie

Can anyone help please?? Just logged in to my MCOL and it says: Do you wish to enter Judgment by Default or by Admission? Please select one of the options below: The defendant has not filed an admission or defence to my claim (Judgment by Default) You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment. The defendant admits that all the money is owed (Judgment by Admission) If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request. Which one do i tick please??

First Of All I am NOT on here to get out of it, I only ASKED is there any way of getting out of it as a question! I DONT WANT A BLOODY FREEBIE!! BUT if there was any way of getting out of it then I would as would anybody that is human. I Already have two cases running for Barclays bank an Halifax so Know its not to get out of paying, If your going to be as helpful as Stroppy like that then dont answer my questions at all.

Request for repayment of charges - Sent 08/02/2007 From The statements they now owe me £1325.00 + £195.50 if it goes to court so 14 days from 8/2/07 = 22/02/07 for LBA to be sent.

Hi All, I am in a situation with westcott owing around £1278.00 For a lap top computer i brought 4 years ago or so, it was brought through pc world or similar company and taken out on a monthly payment scheme, however i lost my job and could not afford my payments so had to cancel my debits, They passed onto westcott and now they are demanding money. I offered to pay over the phone £50.00 PM She said the minimum we can accept is £100.00 PM I said i cant afford this She demanded i pay £100.00PM- Argument started and she slammed the phone down on me - Necky Fat slapper Eh, who she think she is!! I have had no credit agreement that i have signed whatsoever. Just telephone calls which i have made cause of their letters. CAN ANYONE HELP PLEASE?? IS THERE ANY WAY OF GETTING OUT OF THIS AND NOT PAYING? IF NOT - WHAT CAN I DO? ** ANY HELP WILL BE WELL APPRECIATED THANK YOU ALL! ** THANKS, RICHIE

MCOL SENT TODAY 09/02/2007 SENT TO NORTHAMPTON COURT CLAIM NUMBER:******** LETS HAVE IT!! £1,780.00(Charges) + £310.26(8%) + £120.00(Court Fee) = £2,210.26

Hi Back again i need to know is the amount claimed on the mcol the charges plus the 8 percent or just the charges?? Thanks again

Cheers Welshman, magic stuff!!

Hello Welshman or whoever can help! I want to file a court claim MCOL But cant find a link that actually sends it online direct to the court, How do i do this please?? My case is: http://www.consumeractiongroup.co.uk/forum/barclays-bank/49807-bluenose81huskys-barclays.html Thanks Richie

Hi Sarah, Stick to the Letters one by one and You'll be fine, Everyone on here is well helpful and will put you in the right place if your unsure. I have Not long sent my 3rd letter LBA so they now have 14days to comply. Its all Exciting stuff!! KEEP RIGHT ON!! - Follow my case if you want its - BLUENOSE81HUSKYS Vs BARCLAYS Richie

Had letter Back Saying I had to pay five pounds, I Have finally had some money in my halifax account in which I am £2000.00 overdrawn so Paid the £5.00 2 days ago to FINALLY get my statements. - Awaiting Staements So Standby on an Update Thanks

Hi All Am just planning Ahead really, - Just 2 Questions for you to help me with. 1. What Do I do if they dont reply within 14 days - Tuesday 6th February 2007 is the Deadline?? 2. What Court will I use, I live in Arbroath - Scotland but because I am claiming £1750.00 back should I take it to England.?? Thanks Richie

LBA SENT 23rd January 2007 with a copy of the bank charges and 8% interest added. To Freepost RLTA-CSUE-TCHC Barclays Bank plc Head office customer relations 1 churchill place London E14 5HP

Ok Sanbag Thanks for all your help, Am getting my LBA ready just now thanks mate!!

Cheers Sandbag!! I have recieved another letter this morning 20/01/07 saying they will offer me £1000.00 - I dont want to accept this cause I want the lot £1750.00!! They also said in the letter how sorry they were the charges were unfair but they however disagree with my view? - That was the standard letter number 2 from this website. - The cheek of them ay!! Now what do I do/Write ????

OK I have recieved my next letter off Mike Brophy(Customer relations manager) from the freepost address in london - saying "Thanks for the letter recieved at this office 16th jan(So they are saying its taken from the 22nd December until now to recieve that letter) , Iam sorry your unhappy with the charges incured. Your comments are recieving attention and one of my team will contact you asap. May I take this opportunity to explain that whilst we endeavour to respond to you within timescale outlined in your letter, we cannot guarantee that we will do so. Sometimes it takes longer to investigate a complaint. However we do aim to find a solution in four weeks. If we cant we will write to you. A full report or update will be sent to you within eight weeks". So Is this a standard letter and Do i now wait the full eight weeks or what??? All help appreciated - Thanks!! Richie

OK Guys, that's my letter number two sent on the 22nd December 2006 including the schedule of charges without the 8% included and the Final Totals after re-Checking Came to £1720.00. If it goes to court I will then add the schedule including the 8 % Too!!

Thanks Livelylad & Welshman I will stick to that one then where I sent my first letter!!!! Was unsure!! cheers

Hi all I will be getting home from offshore in the morning 19/12/06 so i will then be able to send my letter number 2-letter-preliminary-approach. Can anyone tell me which address to send it to please????

Hi All, what is overdraft interest please and how is that worked out??? In letter number 2. prelim letter of approach it says : What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter. So was wondering what i put after plus £xxx bit and how i work it out? Thanks

Hi All, what is overdraft interest please and how is that worked out??? In letter number 2. prelim letter of approach it says : What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter. So was wondering what i put after plus £xxx bit and how i work it out? Thanks Richie

OK spotty will have a gander through, Cheers.