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  1. Three years ago it all went wrong work dried up i defaulted on personal loans, credit cards, overdraft, the options where bankruptcy or dmp as i am a home owner i went for the dmp option with no fees playplan plus i make monthly payments from my now reduced wages. roughly it is 60k to about six creditors the biggest being hfc and barclays.at the rate i pay after essentials it will be cleared in 2045 if i dont croak i will be 81 i have had great success claiming ppi with the help of the template letters on cag (MBNA being the most difficult with there you ticked the box so it was non advised basis waiting for court date for that one)sent sar to barclays and got big envelope back had ppi on current account and claimed back £3500 of which £1950 they offset. reading through the sar the account was changed to a additions plus account in 2006 but in 2000 to 2002 i had twenty pound charges totaling £780.00 pounds this got to me as the ppi was added to the account without my knowledge i might not have incurred these charges i knew they would be classed as statute barred because of the time but i wrote claiming financial hardship asking for a refund. they replied saying sorry for inconvenience but the charges are statute barred and the charges where fair and where added because i could not manage my account properly.end off. i left it for a couple of weeks and after a couple of sleepless nights thinking i was hard done too i thought i don't have much to loose so i put a claim in with MCOL after fourteen days no acknowledgment so i entered judgement three weeks later i had first letter from barclays special investigations team telling me i was relying on legal arguments which have been considered and rejected by the high court and the supreme court and not to try and execute a warrant and withdraw this claim as they seek to have the claim struck out and i would have to pay there legal costs. Two more letters followed as the hearing got closer they did ask for it to be heard without a hearing but a date of 24/09/2012 was set at my local county court wrexham. rather than shake in my boots i thought give it a shot take all my dmp stuff and as far as the statute barred went would try and go with section 32 c of the limitations act(the period of limitation shall not begin to run until the plaintiff has discovered the fraud concealment or mistake(as the case may be) or could with reasonable diligence have discovered it).in that respect i paid the charges mistakenly thinking they where lawful and the bank concealed there true nature.(ie they where unfair and disproportionate). any way day comes and they send young lady who tells me on the way in she is the barrister for barclays and gives me a look as if i am something she had stood in. I was expecting it to be struck out and award them costs but he was not impressed with the legal team at barclays and he could not see a defence and was annoyed they had not acknowledged the judgement (at which i piped up there was a communication problem at barclays HQ as reported in the press last week bailiffs had been there to remove computers and art work she lost her way at this and implied i was out of my depth which made him more mad and she quoted OFT V Abbey National supreme court 2009 decision which she had no case law with her.And then asked for case to be struck out and them to be awarded costs at this point he asked if i had incurred any costs for attending as i am self employed i said loss of earnings i thought for a moment he was going to give me judgement and we could all go home but he criticised barclays legal team and sympathised with her for not being sent with a propper defence and expecting him to throw the case out he has given them 28 days to get things together and send a copy to me.he told me to write a list of my expenses and for the next hearing i left feeling bewilderd but not really knowing what my next move is or if i can get a result any help and thoughts would be helpful thanks in advance ian
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