Sparkler V Barclays

[livelylad]

Hi there,

 

i'm filling in the money claim form on line and i have come to the particulars of claim page. Its asking "does or will your claim include any issues under the human rights act 1998"

 

I have no idea what this is or if it is relevant to my claim - im guessing the answer would be no?

 

sorry for being completely thick if the answer is really obvious!

 

Jane

 

Tick no mate.

[sparkler]

Woohoo!!!

 

cheers !

 

moneyclaim form done...come on barclays poxy bank! cough up!

[chell1981]

overdraft interest is that the same as overdraft protection? on my bank statements it says that i have been charged overdraft protection no interest???

 

Also do you add on the 8%apr before you send in your total??

[chell1981]

also can i claim back my account fees? they charge me what was £6 a month and has now gone up to £14 a month for holding an account with them???

[victimnomore]

chell1981,

 

You need to start your own thread so that all your story is in one place, and not interfering with someone elses thread. It makes it a lot easier for us all to follow your situation, and to advise and help you if we can.

 

Are you following the step-by-step? If so, how far have you got?

 

Overdraft Protection and Account Fees (presumably for an "Additions" account) are for optional services and are therefore not recoverable. If you didn't agree to them you have cause for a seperate complaint. The 8% statutory interest (details here) is only added when you file your court claim.

[Welshman]

No. The account fees are a legitimate charge unless, that is, you didn't agree to them in the first place. It relates to things such as Travel Insurance and the like.

[chell1981]

Sorry first time i've posted wasnt aware that everyone had their own thread, just saw that this was barclays so posted! sorry!

[burf03]

Sorry if this is a dumb question but on the excel spreadsheet it says cleared transaction, what is this.

 

I am claiming for charges for going overdrawn, is that a cleared transaction?

[Welshman]

I didn't understand what the question was about for a second. Having gone to the spreadsheet, now I do.

 

I assume that because you are posting on the Barclays section, you are with that bank. The things to look for in your statements are "Paid Referral" and "Unpaid out".

 

The wording in the spreadsheet when you first open it is an example only. You edit the words in the first column with Paid Referral or Unpaid out. When you get to the end of your highlighted list, edit anything below except the totals then you have your figure.

 

If this posting has helped you please click on my scales, top right.

 

Good Luck

[jhilditch]

I too have just gone through my statements and this week again they have charged me £35 for going £6 over my agreed limit.

 

Will keep you informed of my barclays quest

 

PS I got a copy of my statements and the £10 cheque returned!

[staceytetl]

Hi. I am just about to complete the spreadsheet. I pay an account fee to allow me to be overdrawn, but have gone over my limit on many occasions. Can i still claim interest back even though i have always been in my agreed overdraft???????

[essjaysea]

Yes, you can claim back the interest they charged you in respect of the penalty charges whilst you were overdrawn even if it was an authorised overdraft

[Fullyskinted]

You cannot claim back the interest on the overdraft if youre within the agreed limits. Thats just the way it is

[NKERZ]

Morning All,

 

I am also at the highlighting stage (orange), this is probably a daft question but can someone just confirm that "Paid Referral Fee" (at £25.00) is what i'm actually highlighting? and what Barclays address am i posting to?

 

Many Thanks.

[sparkler]

I know it's a million dollar question but i have filled in my moneyclaim form and barclays bas***ds have 14 days to respond i believe. I presume i will then get a court date is that right?, but my question is this...how long do people usually have to wait for the court date?...is there a set time limit or am i looking at Jan/Feb?...or later?...just a rough idea would be fab as i have no idea at the moment

 

Thanks everyone, Jane;)

[jendoc]

Hi.....The 'Paid Referral Fee ' has they have craftily named it IS actually a CHARGE! and yes these are the charges you should be highlighting. Also the address you need is: Barclays Bank Plc, Retail Banking Customer Relations, LEICESTER. LE87 2BB. This is the address I sent my demand for payment and I recieved a reply within 2 weeks. Jendoc

[jendoc]

Hi.....Once the money claim application has been sent in, the other side have 14 days to acknowlege reciept and forward a defence.....Then if they do intend to defend the claim a copy of thier defence will be forwarded to you together with an 'Allocation Questionair' which has to be filled in and returned within 14 days together with another fee of £100 if the claim is over £1500. Once this has been sent to the Court the court will then allocate a date for your hearing, obviously the date will depend on how busy your selected court is at the moment. Sometimes weeks sometimes months!

 

Hope this clarifies things a bit better for you?

 

JENDOC

[sparkler]

AH right thanks Jendoc i didn't know there was more money to be paid and a questionnaire...

 

do we get the £100 back?

 

thanks again

[vincethod]

The £100 is part of the costs you are claimingf from the bank. So yes, you should get this back

[Coral Rumley]

Where do I find the letter?

[Fullyskinted]

Learn to read!

 

chell1981,

 

You need to start your own thread so that all your story is in one place, and not interfering with someone elses thread. It makes it a lot easier for us all to follow your situation, and to advise and help you if we can.

 

Are you following the step-by-step? If so, how far have you got?

 

Overdraft Protection and Account Fees (presumably for an "Additions" account) are for optional services and are therefore not recoverable. If you didn't agree to them you have cause for a seperate complaint. The 8% statutory interest (details here) is only added when you file your court claim.

[ebabyboomer]

Hi Everyone,

 

I've just arrived at this site. I was actually looking for something else but I've been stung by these bank charges and it would give me great pleasure to get my own back in some way.

 

My bank is the Halifax. Could anyone who is dealing with the Halifax let me know how I can join the right user group; or any user group, as I'm finding the site a bit difficult to navigate?

[jendoc]

Hi go here: http://www.consumeractiongroup.co.uk/forum/halifax-bank/

jendoc

[essjaysea]

Paid referral fee is certainly one of the charges you can claim for, but there may well be others. Look for any charge of between £25 and £35 that has not been authorised by you.

 

Send it to

 

Freepost RLTA-CSUE-TCHC

Barclays Bank PLC

Head office Customer Relations

1 Churchill Place

London

E14 5HP

[ninja-the-kitton]

Hi

 

Am also just at highlighting stage. Woolwich have done something really strange and I was wondering if anyone has had the same response? They have only sent us a photocopied set of sheets with all our charges on and not a complete set of statements. Is it possible for mr to carry on with just this or do I need the statements? Additionally what is the charges document I need to send with this letter will just a copy of all charges cover this?

 

Thanks for your support