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    • You should start putting everything in writing. Even the ombudsman, to begin a serious complaint by telephone is quite frankly crazy. I hope you have taken a copy of at least the advertisement that you have posted above.  I don't suppose that you kept a copy of the original AutoTrader advertisement.  How much in writing have you got of anything? I would suggest also that you telephone the ombudsman tomorrow and ask them for details of the complaint that they have received from you and tell them that you want it in writing.  You will be amazed how scant The records of which are kept by these people. Read our customer services guide and at least actually give you some idea of how you should deal with customer service people or any call handlers on the telephone.  It is very important that you get a written summary of the report which you made to the ombudsman so that you can see exactly what they are investigating. The complaint to the ombudsman should have been very carefully considered over a period of time rather than simply made in a phone call
    • Funnily enough the ad is still available online Range Rover 4.4 SDV8 Autobiography LWB Previously Sold | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire but the autotrader version isn't which was probably slightly different potentially with more information. Reported to FOS over the phone but essentially gave them the same information I've stated here, updating them that I'm paying for a car I haven't had for nearly a month now etc I'll certainly come back with an update. Fingers crossed they will realise it's not worth taking to court. So the inspection among other things found a hairline crack across a load bearing section of the chasis which at the minute to the naked eye looks tiny but could turn out to be catastrophic and has had some filler chucked on top of it but we'll see what Clinkards inspection comes back with. Distance wise I believe they're around 165-170 miles away from me. Also I'm sure many people will have PCP agreements as it's the most common way to buy cars under 5 years old but they just forgotten the terminology or name for it. Pay deposit, choose a length then pay the difference between value today and guaranteed future value at the end of that agreed term   Whole experience has scarred me and moving forward I'd be tempted to pay for a pre purchase inspection myself because these guys are bigggg traders with a lot of top end cars. I just hope they don't make any more silly offers
    • Strange final response. They say that they are still investigating but they are giving you their final response anyway. Seems like a load of nonsense. Have you got a copy of what you then sent to the ombudsman? Anyway, for the moment although would like to know – it really is all for curiosity because as you have put it into the hands of the ombudsman it's probably not worth doing anything more until you have a reply. I would suggest that when you decide to spend this kind of money in future on a used car, that you understand exactly what your rights are before you make the purchase. When you buy anything – and maybe especially used car you should realise that you aren't only paying for the car, you are also paying for a bundle of consumer obligations which are intended to bind the dealer. You are paying for a vehicle which is of satisfactory quality and remains that way for a reasonable period of time and you are paying for any defects which emerge to be addressed and repaired at the expense of the dealer. We've already pointed out that by purchasing the warranty, they have effectively persuaded you to pay for something for which you have already paid. Very decent of you not to want to cause trouble in respect of defects which manifested themselves within the first few weeks. I have no idea why. For £78,000…. This you say that they were age-related problems – that is still no reason why those defects should have been there or why the dealer should not have been responsible for them. It seems to me that you have a clear case against the dealer/the finance company. We don't have many or any PCP purchases on this forum. However, it seems to me that the finance company is probably responsible for the condition of the vehicle because effectively you have bought it from them and to that extent it should be the same as HP. With a hire purchase agreement, it is as if you bought the vehicle directly from the finance company not from the dealer and it is the finance company which bears all the consumer obligations. I think the only thing you can do is to monitor the situation. Update us when you hear from the financial ombudsman and if you need to take the matter to court then we will help you. In principle it should be straightforward – but certainly there is a risk of a serious bill for costs if you lose. I don't see you losing. Did you say somewhere that the report suggested that the vehicle was unroadworthy? Have you got the advertisement for the vehicle? Does it make claims for the vehicle which are clearly untrue? And by the way, four hours away from you is what kind of distance? Have you read our used car guide? Have you looked at the video?
    • there's one in this thread.. i wonder if its the same, they seem to be identical regardless each time we have a thread with one Vehicle Control Services Privacy Notice, Brooke Retail Car Park, HA4 0LN - Private Land Parking Enforcement - Consumer Action Group  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Tracy C vs Barclays **WOOOOOOOOONNNNN**


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Having trawled through statements from when we opened our account in feb 2004, I have calculated we have been charged £605. :-x

 

It was a Mum on another site who mentioned her charges to me and how she had found this wonderful wonderful heavenly place where folk were claiming back their charges, so I thought I would come and have a nosey. :)

 

After reading the templates and a few threads it seems I do not have to do the DPA thing, as I know all the charges that have been applied. I am writing them up now (in a table: Amount charged - Reason for charge - Date of charge).

I shall then print this out along with the 'approach for repayment of charges' letter, and send them off this afternoon. Is there anything else I should add? You seasoned folks who have been there and done that do you have any tips?

 

My letter will be going to the Leicester address (I checked on the contact details thread and it seems a few of you have been given this address so I know its not a fake-out), although when I expleined on the telephone this morning to dear old Barclays why I wanted said address, I was told 'there is no point you sending it, you won't be refunded'.........to which I replied, "we'll see petal".

 

I hope we win now. :p

 

So any tips / advice / hints? I am not a shy type so have no qualms about court or standing up to them, I have gotten 2 charges refunded in the past from the Complex Query Centre just by going 'RAHHHHHHHHHHH!!' down the phone at them until they listened (this has been noted on the list of charges I have totalled, will this affect anything do you think?).

 

Gosh I've gone on a bit sorry, anyway, hello to everyone and thanks in advance for any advice. Tracy. xxxxxxx

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Hi Tracey, you make agood write up.

I hope you can help, I have been charged up the yin yang over the past 6 years,

as a result of unfair bank charges, I now owe them (Barclays) a lot of money.

 

I though i was doomed to pay the full charges plus intrest back, until I heard of money saving expert website, which inturn led me here.

 

I now have a new bank account, and no idea of what Barclays has taken from me in the last 6 Years, Because i shredded all the statments out of sheer frustrasion with them, when i was trying to explain my situation over the phone.

 

 

Good luck with your claim.

 

Kind regards

 

David.:)

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Del.just.

 

First of all start your own thread, then any questions you have can be answered there instead of hijacking someone elses thread.

 

First send the Data Protection Act SARS letter from the library section........

Click on this link....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

 

Don't forget to include the £10 maximum fee. They will probably return it but if you don't send it they will use it as an excuse to delay.

 

While you are waiting for the statements to arrive, have a good read of the FAQs and the step-by-step guides in the library.

 

Good Luck.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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although when I expleined on the telephone this morning to dear old Barclays why I wanted said address, I was told 'there is no point you sending it, you won't be refunded'.

 

Oh yes you will... Just follow what everyone else has been doing - keep things plain and simple and straight to the point.

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Hi everyone,

 

Just to say that letter was sent yesterday, so this morning it will have arrived in Leicester, so by Monday it will be with whoever needs to deal with it (I sent off the 'request for repayment of charges' and a schedule of charges totalling £550).

 

Its just a matter of waiting now, I am curious as to how this will proceed. Is it likely they will cave early due to the amount of people claiming, or will that make them more determined to go all the way to court?

 

I have just read Icefalls thread (WOW! by the way :D ) and although not shy about standing up to them it would be nice to not have to go that far, as if they drag it out I'll be dragging my hugely pregnant carcass into court...and those little witness boxes look so small LOL. This may sound very unethical too, but do you think me being pregnant might in fact encourage them to do the right thing early?

 

So, I have set my little reminder on my laptop for 14 days and see what arrives in the post in the meantime.

 

Tracy. x x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Received this in the post this morning:

 

Dear Mrs. Charlton,

 

I am sorry you have had to contact us about the level of service you received from Barclays.

Thank you for taking the time and trouble to do so.

 

I am looking into your concerns and will let you have a response or update as quickly as I can but no later than 28 July 2006. In the meantime if you need to speak to me please 0800 282 390. If you are calling from overseas please call 0044 207 699 4998.

 

I have enclosed a leaflet explaining how Barclays works to resolve complaints. I hope you find this helpful.

 

Thank you for bringing this to my attention.

 

Yours Sincerely,

 

Carol O'Callaghan.

Customer Relations Manager.

 

This letter was dated 3rd July. My letter to them was dated 28th June.

I shall sent my Letter Before Action letter, have no worries about that, but shall I send it 14 days from the date of my letter or theirs, or does it not make much difference? Obviously I shan't be waiting until July 28th (are they kidding? :D ).

Going to trawl the threads again to see what others have done, but just incase there is anyone about who can give me a quick answer thought I'd ask :)

 

Was hoping for a quick resolution to this as the amount isn't as much as some folks, but ho-hum....:rolleyes:

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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MrsCharlton,

I shall sent my Letter Before Action letter, have no worries about that, but shall I send it 14 days from the date of my letter or theirs, or does it not make much difference?

Don't let the bank sidetrack or browbeat you.

It's your call. You're in control. It's YOUR timetable.

The bank will try every trick in the book (and a few that are'nt :D ) to delay you. Stick to your timetable, don't let them impose theirs on you.

That way, you'll show them that you mean business.

 

If you have any questions, then post them on your own thread. The answers won't be very far away.

 

Good Luck.

 

P.S. If it's a boy, don't name him Barclay or Lloyd :D :D :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

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MrsCharlton,

 

 

P.S. If it's a boy, don't name him Barclay or Lloyd :D :D :D

 

LMAO!!!! Don't worry, new baby is a girl and we already have names picked LOL. (My next door neighbour is called Lloyd though :eek::D ).

 

Roll on 12th July for the next step!!! :)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Just to update, I sent my LBA this morning to Ms. O'Callaghan at Barclays.

 

Starting to get frightened now about court and filing claim in 14 days and stuff. I shall do it, not one to bow down to fear or bully tactics :wink: but still, can't help being a bit scared. My hubby says if it gets too stressful I'm just to accept the offer (if there is one) as he is worried about what effect the stress might have on the current occupier 'in utero'. Bless 'im. :D

 

Trace. x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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  • 2 weeks later...

Well the LBA deadline is up on wednesday and I am yet to hear from Barclays...I naively expected them to offer me a miniscule amount during this time but obviously not, so its Moneyclaim on wednesday night when I get back from work. :rolleyes:

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Ok, its MCOL day today, going to suss it out and file it tonight wen kids are in bed so I don't have 'Mommy Mommy Mommy' all day while I'm trying to do it LOL.

Any tips from you wisened claimers out there? Have read LOADS on the site so think I am pretty clued up, but hopefully if I get stuck later there will be some folks about to help.

 

This is what I had from Barclays this morning:

 

Dear Mrs Charlton,

 

May I say how sorry I am to learn that you feel the bank charges you have incurred are unfair. In your correspondence you have referred to elements which you feel support your claim. Barclays is aware of the information you have drawn to our attention , I must inform you, however, that we disagree with your view.

 

Blah blah terms and conditions you were aware when opened account etc etc.

 

Despte my comments blah blah, I am willing to offer the sum of £275 towards the total you are seeking. etc etc.

 

Then there is a slip enclosed to accept the amount 'in full and final settlement'. :rolleyes:

 

Shall I even bother to reply or just go ahead and file MCOL? I have tried to call the perso that sent me the letter (Mr Laurence White) on a number he referred to as his 'direct line', turns out this is Barclays head office customer relations and they are unable to take my call as they are soooooooooo busy, but if I leave a message someone will get back to me in 48 hours. I think not.

 

Trace. x x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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I had exactly the same letter from Lawrence too...

I personally would reply, saying that I didn't accept the offer as final settlement - and that you have already started legal proceedings. Give them a final chance to settle before court.

At least when it comes to court you can show the judge that you've tried your best to settle things before they got that far...

I'm suprised the courts aren't getting a little bit peed off with the banks...filing defence when they obviously have no intention of defending.

 

ps. Good luck

 

m4n

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Thanks M4N. I totally agree, filing a defence when they have no intention of attending a hearing to defend is rather cheeky...wonder if they'll get slapped wrists at some point for wasting court time *sigh* :rolleyes:

 

My little one is down for a nap so just working through my claim on MCOL, will refine it tonight before submitting. I will send a letter to Monsieur Laurence stating I will accept offer only as interim payment towards full amount. I think I'll actually file claim on friday (when I have more dosh LOL) so that gives me 2 days to get claim bang on.

 

A question please folks:

 

In the particulars of claim section on MCOL I had put the following

 

I have a contract with the defendant bank under account number XXXXXXXX which is conducted on their standard terms and conditions. I am claiming the return of money taken by the defendant in the way of charges over the last 2.5 years.

The banks charges are a disproportionate penalty and therefore unenforceable as they are contrary to Common Law. Further, as a disproportionate penalty they are invalid under the Unfair(Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2(1)(e).

In the event that the charges are not a penalty then they are unreasonable within the Supply of Goods and Services Act 1982 s.15.

I have asked the bank to justify charges they have declined to do so.

£616.22 is the amount owed. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from Feb 2004 to July 2006 of £38.97

There are 25 charges. Total inclusive of interest as of todays date is £655.19.

A breakdown is available.

 

Now, the parts in red are the bits I'm needed clarifying. The dates Feb 2004 to July 2006- is this enough or do I need to put the date the account was opened in February 2004? And do I need to put the date of filing claim for example 28th July 2006 if I file on friday?

The seconf red part is the total taken from the spreadsheet I have and is charges applied (£616.22) and interest on the charges (£38.97) added together, is this ok to include?

 

Also (I know sorrrrrrrry :? ) the box that says 'Do you want to reserve the right to claim interest?' do I tick yes? If so, then this new paragrpah needs to be entered as advised by MCOL site and is slightly differently worded to the one I have used and includes a statement about daily interest:

 

Do you want to reserve the right to claim interest?

 

Since you have indicated that you wish to claim interest on the money the defendant owes you, you must include the following text in the particulars of your claim:

 

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}.

 

Is this covered by what I have written or do I need to swap last part of my particulars for this paragraph? If so, how do I find out daily rate of interest? I thought the 8% we were all adding via spreadsheet was yearly interest and not daily? Is there a really simple sum I am missing (if its literally 8% / 365 days I shall cry for being so dense) or something on the site somewhere (I have searched honest not just taking the easy way by asking).

 

Thanks again everyone. Trace. x x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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This may need tweaking to fit:

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of £616.22 ( = amount claimed) taken by Defendant in charges over 2.5 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of £38.97 (=8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.13p (= Amount claimed x 0.00022).

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That sounds brilliant Michael thanks so much :) :) :)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Quick question please folks, literally about to press submit on MCOL and have drawn a blank- the total claim I am entering, is this just the charges amount or do i include the interest up to todays date aswell?

 

Thanks. x x x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Its ok I've remembered now LOL. x x

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Claim filed :) :) :)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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  • 1 month later...

Help please folks!!!

 

Claim was filed beginning of August and acknowledged on 3rd August. I had info through saying they intended to defend all claim and so on. But nothing seince, no change on MCOL, nothing through post. Does that mean they have forgotten about little old me?

There 28 days are up today and they have submitted nothing as far as MCOL or myself is concerned, is that it? Do I request Judgement by Default now? Please tell me its real 28 days and not 28 business days or whatever.

Help??????????????????????? Am I getting excited unecessarily?

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Ok MCOL is saying I cannot apply for judgement by default yet, do I literally have to wait until tomorrow or a few more days or have I got my calculations vastly wrong somewhere? :-?

 

Step-by-step guide on the site says:

 

The bank will now either....

 

A) Ignore the claim completely - they can claim incompetence as the reason for not Acknowledging or defending and you win by 'default' after 14 days. You will need to apply for a judgment which you should do as soon as the time limit has expired.

 

If they get a defence in before you apply for the judgment, then they gain the right to proceed into court if they want.

 

B) Acknowledge the claim - this buys them a further 14 days to enter a defence. Some banks will acknowledge the claim and then pay up. They know you MEAN it now! For every threat that gets this far, there are many more that give up long before this point and they know it.

 

Some will acknowledge the claim, but 'forget' to enter a defence - after 28 days from the date the papers are served on them you will have won by default and you will get all your money back. Once again, you will need to apply for a judgment. If they do not pay you in full, you have every right to send the bailiffs in - this can also be done from the moneyclaim.gov.uk site or by applying in person at your local court (if you started your claim this way)

C) Settle the claim in full, including interest and court fees (if they offer to settle for anything less, then refuse - YOU WILL GET THE FULL AMOUNT)

 

D) Submit a defence. If they do this, the court will send you an Allocation Questionnaire form to complete. This is quite straight forward and, once again, there is help for completing one.

 

 

So unless they file defence today, then I have won? Surely? Somebody? Come on people desperate hormonal pregnant lady needed advice here!!!! :D

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Dear Mrs Chapman

 

From avidly following the adventures of Nightstar, it looks like they might have given up (at least while Keith Jeremiah is on his summer holidays - good for him and good for you and hopefully me!)... I think they probably have until midnight tonight and then you can press the button for judgement in the morning. If you do this before 0900 - and I am sure your kids won't let you sleep in - then you should get judgement by default confirmed tomorrow - but read Nightstar's thread for someone who know's what they're doing.

 

My defence date is also imminent so I am hoping they don't get themselves sorted out while KJ is away!

 

Good luck and well done for sticking with it!

 

Steve

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Just read that thread thanks Stevie T, feel much more relaxed now. Just had a nose at my calendar in kitchen and saw that 28 days were up today and freaked out a bit. Thanks so much. :) I'm sure my toddler will want Fifi and the sodding Flowertots on in the morning so I shall occupy her then sit down and press that button LOL. :)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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