Thanks a lot Alan, you've settled my mind. Just spoken to Laura at Barclays Customer Relations and she admitted she couldn't understand how the claims handler (name as yet unknown) had calculated the figure. Unfortunately the claims handler wasn't available and I shall have speak to them on Monday. If it works how I think it should and the PPI loan is taken off my outstanding balance as well as the interest paid (£4803.40-£2582.35-£711.74) that would leave an outstanding loan balance of £1509.31. They then refund the premiums I paid for the PPI which amounts to £2443.76 (plus £366.56 for the 8% = £2810.32). They can then have the £1509.31 off me to repay the loan and shove their new loan and payment plan where the sun don't shine! That would leave me £1301.01 plus £315 per month better off, just in time for chrimbo!! Thanks again Shinobi

Thanks Amber I'll take a look at that. Not heard anything about Rule of 78 before. I'm not sure whether that's the answer to my question though. Barclays figures confuse me where they say "Plus PPI Payments Reversed: £2,443.76" I'm not entirely sure what they mean by reversed. If they mean that they are going to give me that money back then that's a result, cost of PPI loan + interest paid on it taken off my outstanding balance, PPI loan payments returned to me plus 8% interest, that all seems right to me. Thing is they've made no mention of actually paying those 'reversed' payments back to me and the new loan they've recalculated seems to add them back onto the loan! I think I'm going to call them and clarify this afternoon, I know how I think it should work but I also know that they think differently to us normal people!!

Shameless bump as I need to reply to their shenanigans soon Cheers folks in the know Shinobi

I contacted Barclays for a refund of PPI premiums paid after they added a £2,500 premium loan to the £12,000 I borrowed a few years back, my initial letter to them said: Had a response back today with the usual flannel not admitting fault but offering a refund. This is where it gets complicated. The refund they have proposed is made up as follows: Barclays have proposed that they cancel the existing loan and that I take another out for £3,900 (they are kindly waiving the other £53.07) over the remaining 18 months (its actually about 15 months but they can only do 18 mnths). They have also offered to credit me with £366.56 for additional 8% interest on the premiums which I didn't ask for but will take! My point is regarding the calculation above, they are proposing to take the PPI premium amount + interest paid off my outstanding balance which is fine but I can't see why they are reversing the PPI payments I have made (£2,443.76) surely they should either be giving me those back as a lump sum or leaving them in the loan and therefore reducing the overall balance to £1,509.31 as opposed to adding them back in????? Am I reading this wrongly?? I can't believe that they were charging me £2500 extra + interest for PPI but have worked out that my loan reduces by about £850 as a result of taking the PPI off! Sorry for long post but I'm struggling to get my head around it! Cheers Shinobi (i'll get you somehow Barclays )

My latest charge schedule is up to £4,785.93 not quite as high as I thought but hopefully close enough to get them to consider it on appeal. I'll get the letter off today and keep you advised - do barclays need a copy of my appeal as well??? Thanks

Thanks Saintly, have received this morning notification from the court that they are applying the stay themselves. Have many people appealed successfully against court applied stays or only those applied by the banks? Here's the text of the letter: 1.The court is aware that a test case has been issued in the High Court between the Office of Fair Trading and certain banks, with a view to determining issues of legal principle in relation to the recovery of charges made on bank current accounts and the applicability of the Unfair Terms in Consumer Contracts Regulations and other legislation to such charges. Further information in relation to the test case is available on the OFF’s website at http://www.oft.gov .uk. 2.Upon it appearing that the issues raised in the test case will affect this claim, the claim is stayed until further order upon compliance with paragraph 1 of this order with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance with CPR23, to lift the stay. It also says that the hearing date has now been vacated:-? I'll appeal obviously but not too confident. Any advice anyone?

Thanks Leech, I'll let you know if anything changes! *crosses fingers in blind hope*

Submitted my bundle to STOURBRIDGE County Court today I mentioned to the lady at the Court (Stourbridge) that Barclays had contacted me to say that they were going to apply for a stay (blanket letter that everyone's had) and asked whether the stay had been (a) applied for and (b) approved. She said that Stourbridge County Court were going to apply stays for all cases except those above £5,000 but that I was still able to appeal if I wanted to. My claim is up around the £4,850 mark now so not far off £5k but I haven't had anything from either the court or Barclays regarding the stay application. My question is should I appeal it before I get notified of it? if the court themselves have applied it I will obviously have to appeal rather than just turn up and hope Barclay's cock up but I don't want to get to court (6th September) and find that although Barclays have submitted nothing the stay has still been applied anyway! Will I pee the court off by applying before I'm notified of the stay or am I ok to apply in anticipation????? Given the size of my claim I might have a good chance of getting past it anyway, I just hope that B's are lulled into a false sense of security and don't turn up or file a defence and my appeal is upheld :grin: Please help!

Right then, Court Bundle submitted today but now i need some advice on Stays please. I mentioned to the lady at the Court (Stourbridge) that Barclays had contacted me to say that they were going to apply for a stay (blanket letter that everyone's had) and asked whether the stay had been (a) applied for and (b) approved. She said that Stourbridge County Court were going to apply stays for all cases except those above £5,000 but that I was still able to appeal if I wanted to. My claim is up around the £4,850 mark now so not far off £5k but I haven't had anything from either the court or Barclays regarding the stay application. My question is should I appeal it before I get notified of it? if the court themselves have applied it I will obviously have to appeal rather than just turn up and hope Barclay's cock up but I don't want to get to court (6th September) and find that although Barclays have submitted nothing the stay has still been applied anyway! Will I pee the court off by applying before I'm notified of the stay or am I ok to apply in anticipation????? Given the size of my claim I might have a good chance of getting past it anyway, I just hope that B's are lulled into a false sense of security and don't turn up or file a defence and my appeal is upheld This forum is an absolute godsend and there are some real genius' at this on here, Please help!

Done & Bumped:)

SOC is your Statement of Charges Hopefully if they apply for the stay this late it will irritate the Judge so if they don't turn up as well and you object to the stay (see the draft letter for this) he'll side with you, they'll have no representation and bobs your uncle!! Good Luck

Bingo! Thanks Saintly, I presume the rest was ok, off to the courts and Barclays tomorrow then! Thanks again

Ok found the Provisional Findings in Northern Ireland Personal Banking now but help still required for remaining queiries. Thanks

I know this isn't my main thread (sorry) but I desperately need help with my bundle, it needs to go off asap. It currently looks like this: Correspondence Statement of Evidence Bank Statements Schedule of Charges Relevant Case Law (from basic bundle) Early Day Motion (from basic bundle) Dunlop UTCCR UCTA SOGA Barclays Terms and Conditions Peter McNamara Transcript Australian Default Charge Report BBC Commission Conclusion There are a number of things which I can't find but are mentioned in someone else’s bundle, I've downloaded Bookworms bundle and they aren't mentioned, should I enclose them and where can I find them?: Provisional Findings in Northern Ireland Personal Banking Witness Statement – I can only see one for Abbey, do I need to adapt this? Also in Bookworms bundle the OFT report summary relates to Credit Cards, is this the right one to be using for Bank Charges? If not I can't find the right one!! Sorry to panic so much and stray off thread but help is required! Please! Shinobi

Hi Folks, Anyone point me in the right direction of what I will need for my trial bundle? I know Barclays are trying to put a stay on the cases but I need to be ready soon. Any help much appreciated as ever! Shinobi

Haven't posted on my thread for a while so I suppose its time I updated it: My claim has gone through for a total of £4664.50, this was acknowledged earlier on in March and Barclays had until 31/03/2007 to defend. I logged on to MCOL this morning in eager anticipation that I could request judgement and there it was (or wasn't) no defence had been submitted and the button to request judgement was ready for the pressing! I took a moment to think about what needed to be done next and by this time MCOL had logged me out. When I logged back in the screen had refreshed and showed that they had logged a defence on 26/03/2007:evil: So I am now waiting for the court date which I hope will be sent soon. ***One question though:*** I am off on my hols from 24/04/2007 to 08/05/2007, if the court date or a relevant deadline falls in this period will I be able to ask them to move it? I'd hate to fall at the final hurdle because I'm off sunning myself! Thanks as ever!

Apologies;)

Thanks Dar3n, just a quickie, I'm off on holiday from 24/04/07 to 08/05/07, if they give me a court date in that time can I ask them to rearrange?

I'm at the same stage as you Nellio. I logged on this morning and was all prepared to apply for a judgement as it said no defence had been filed. I refreshed the page just to check and there it was defence filed on 26/02/2007 I hope I get court date soon, are you planning to put a call in before the date to see if you can convince Barclays to settle early? Is this a good idea anyway? Anyone?

You might want to amend your post as welshman didn't like me saying "stolen", I think taken is the better option (libel laws etc) I also used unathorised overdraft fee but your list seems pretty comprehensive, you can't include account fee for additions accounts. Now edit that post before welshman spanks you too!

Just had a call from Barclays with an increased offer of £1,500, told them to put it in writing and asked them whether or not they would consider offering the full amount as I was confident i would win my claim through the courts. They aren't going to back down that easily though so i shall reject the offer, hold them to the timescale from my LBA and make my claim on 1st Feb In the meantime though could someone help with my questions from a couple of posts up:confused: Thanks as always Shinobi

I only have limited experience Lyndsey but you should now send the Letter Before Action, they have had more than 14 days to respond to your original request and you have rejected their offer. Barclays said if I hadn't responded within 8 weeks of their offer that they would consider the case closed so you haven't blown it. Make sure you make them stick to your timescales though, don't let things drift or they won't think you are serious Good Luck!

Shameless bump for assistance:D

Haven't been on here for a while, I hope everyone had a profitable christmas! I received an acknowledgement of my complaint on 4th January and then a swift offer of £1,000 compensation (just the £1,751.84 short!) on 8th January all prior to the original 14 day deadline. I then gave them the rest of the fourteen days before sending my Letter before Action cobbled together with the rejection of settlement letter to Gaynor Mills in Swansea. So now they have until the end of the month before the claim gets submitted! Just a couple of q's: I've been charged another couple of times since my claim went in, my claim was from 01/01/2001 to 31/12/2006 but can I still add charges made after that date? Second whats the timescale from now to recieving payment generally? I'm off on holiday from 21/04/07 and want this sorted by then ideally, don;t want things happening while i'm away either. Thanks all

Sorry Welshman, must keep temper under control ;-) Thanks