Hi again!!! Sent prelim approach letter and have received payment in full!! Please move to appropriate section Man that was hard lol

The Lba was lost by the post office I will be reposting it shortly. In the mean time I have received a letter from Barclaycard saying that my information has been deleted from their system so they cannot provide any information regarding my account? That can't be right can it?

Office for Judicial Complaints - Home

Just a thought? Should I have extended my timescale due to the fact that I was made an offer or am I ok to consider the partial offer as unfavourable and just march on?

I have received a settlement offer! - Found it as I went out the door to send the Lba. Its the usual - we do not agree with you etc etc goodwill blah blah blah. They are offering £275 on a total amount of £525 or £645.50 with statutory interest applied (I know it doesn't apply yet). I have sent the following Lba to Barclays Head Office today: "LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBERS: xxxxxxxxxx & xxxxxxxxxx I am very disappointed that you have failed to respond positively to my letter of the 19th December 2006. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £525 in total from the two accounts listed above. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of 19th of December 2006. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, Snoopy" As the settlement offer was received from Swansea I have sent another letter there stating the following: "ACCOUNT NUMBERS: xxxxxxxxxx & xxxxxxxxxx Response to settlement offer. Dear Sir/Madam, Thank you for your letter dated 03/01/2007 I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on the accounts listed above, totalling £525 I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. As I have yet to receive a favorable response from Barclays I have sent a Letter Before Action to your head office, a copy is enclosed for your information. This is in line with the timescales outlined in my preliminary approach letter dated 19/12/2006. As outlined in the enclosed letter I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. You are reminded that there will be no extension to this timescale. I trust this clarifies my position. Yours faithfully Snoopy" I think this covers everything off for now. Please let me know if anything looks suspect :-| Snoopy

Just an update - sorry for the hijack again! I sent Barclays an email saying that I believe that the Additions had been missold to me as I had it on two accounts but was only really benefitting once etc etc Never heard back from them but they have given me £87 for my trouble. I wasn't to fussed really about recovering money from the Additions but may pursue it further later on.

Right!! Lba is all drawn up and will be going tomorrow (as soon as I get round to buying some printer carts ). All I have done is changed it to read: "I calculate that you have taken £525 in total from the two accounts listed above." not too fussed about the interest as I don't think it will come to much. On the Barclaycard issue it would appear that I gave them my wifes old account number - they have said I have given them insufficient detail obviously because they cannot mate the number with my name. That is because I was told it was my account number by some one at a Barclays callcentre. Thought it was too good to be true at the time. Anyway let the games begin!!!!

I have recieved two letters in the post Letter 1 - from Barclays - "were sorry you are unhappy with the charges you have incurred etc etc etc Yours Sincerely Mike Brophy" Letter 2 - from Barclaycard - "I am writing with reference to your recent request for either a list of charges over the last 6 six or copy statements for the same period. The information that you have supplied is insuficient and I am unable to locate the details at present." So I will be sending an Lba to Barclays itself. Any advice as to what to do re the Barclaycard letter? It goes on to ask for all my previous addresses other accounts etc. I find it irritating because my first instinct is to think they are playing a little game with me. Snoopy

Bump... I would appreciate a steer on this guys - not sure if I should be counting bank holidays etc towards the 14 day period - or should I? Thanks

Received a letter today: Dear Mr Snoopy1977 Account No: xxxxx & xxxxx I acknowledge receipt of your request for a copy of the personal data held by the Bank in connection with the above numbered account, together with your fee of £10.00. Under the Data Protection Act, this is referred to as a Subject Access Request. I can confirm that arrangements will be made for the information to be provided within 40 days of the date your payment was received. Yours Sincerely xxxxx Customer Adviser Now just have to wait to get my hands on the statements - I am a little miffed that they told me that my original letter was a subject access request though. Never miss an opportunity to be condescending!

Hi everyone I have a case currently running in the Barclays section and have recently sent away for statements from Smile for a bank account and credit card I held with them. Initial letter sent 1st Dec 2006 (first class not recorded). I was worried about it not being acknowledged so called them on the 10th and they said there was no evidence that my request for charges had been acknowleged and statements had not been generated by that date. The customer services woman told me to cancel the cheque and reissue a new one. I did that and sent it recorded delivery with another S.A.R - (Subject Access Request) letter dated the 11th Dec. They have now cashed my cheque today. Funny really - it put my account over my overdraft limit and I had to do a transfer lol (thats rare these days). Anyway I now await a response from them. Smile will give me particular satisfaction as they were very unkind to me when I held my account with them. Now that I have started a timeline I will pop back with updates as and when they happen.

Delivery confirmed 20/12/06. Does that mean that I send my Lba on the 1st of Jan? Or do I not count weekends holidays etc? Thanks in advance for any help.

Wildcat, Sorry to hijack as well! Laineybelle I have just sent them a preliminary approach letter to get my bank charges back then intend to explore this next. Thanks

Ha ha this is the most entertaining thread I have read in a while!! I hope you give them a thrashing!!!! Dunnie1 I have given your scales a click fair play mate:p

Today I sent the bog standard prelim approach letter away asking for my dough to be returned - "My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years." etc etc Because I am not inclined to calculate the amount of overdraft interest I changed my letter from- "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." to "What I require I calculate that you have taken £525.00 in total from the two accounts listed above. I enclose a schedule of the charges which I am claiming with this letter" and deleted the bit about the default. Yay!!! we are now officially in play!