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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
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    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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Mamma-Caz V Barclays - Help Please


Mamma-Caz
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Ta! MOTBx

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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  • 4 weeks later...
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Hi all.,

 

A tad p****d off just tried to start my judgment against the bank only to find out that it won't process it.

 

So I rang MCOL to find out why, when the claim was acknowledged on 3rd August and therefore obviously served that I have now got to wait until flippin Monday 5th September because the claim would be deemed as served on Saturday 5th August how bl**dy stupid.

 

Sorry having a rant feel annoyed enough with the whole process, I know I have got to wait but why say they have 28 days when in actual fact I now have to wait 32 days.

 

Grrrrrrrrrrrr!!!!!!!!!!!

 

:mad:

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Thanks Nightstar - congratulations by the way - have followed your claim - loved the response to Mr. McD. As good as "Is the Pope Catholic".

 

Regards.,

Caz;-)

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Hello Mamma-Caz,

That £10 per month you are being charged for is for an "Additions" account. I've just discovered that they have been charging me for this for the last 6 years. It is something i knew nothing about, have never used, do not know what it is for, and have DEFINATELY never agreed to, or signed up for. YES, I am claiming that back too., and i would suggest you do likewise. If you look at my thread "The Druid v Barclays" you will see that they owe me in excess of £300 for this service and have offered me a paltry £118 as a goodwill gesture. I have told them to "poke it" !! Best of luck in your endevours.

P.S. Here is the URL of my thread for your conveniance:-

http://www.consumeractiongroup.co.uk/forum/barclays-bank/15987-druid-barclays-bank.html?highlight=The+Druid

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Here, for what it's worth, is what I've deduced from my own experience .. ..

 

"Commission" seems to be a sort of temporary term. When fees (including unlawful fees) are charged by Barclays they immediately appear on online banking as "commission"; but then, a day or so later, the wording changes to identify the type of fee (e.g "Paid Referral", "Unpaids Out" &c.) They later appear on printed statements under their full names; "Paid Referral Fee" or "Charge for item returned unpaid" &c.

 

But be careful, don't assume that a "commission" charge is necessarily unlawful. I believe they also use it when applying legitimate fees. My advice would be to wait a day or so then check again online to identify the charge.

 

I do think it's interesting that they use the word "commission" though, it's a bit of a give-away concerning their attitude to customers isn't it?

Victimnomore

By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..

Barclays Case1

14/03/07 **WON** FULL settlement £3358.39

Barclays Case2

08/09/08 Prelim: please give me my £187.91 back.

Halifax Case1

14/03/07 **WON** Refunded £728 (including £54 costs)

Halifax Case2

08/09/08 Prelim: please give me my £268.24 back.

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Here, for what it's worth, is what I've deduced from my own experience .. ..

 

"Commission" seems to be a sort of temporary term. When fees (including unlawful fees) are charged by Barclays they immediately appear on online banking as "commission"; but then, a day or so later, the wording changes to identify the type of fee (e.g "Paid Referral", "Unpaids Out" &c.) They later appear on printed statements under their full names; "Paid Referral Fee" or "Charge for item returned unpaid" &c.

 

But be careful, don't assume that a "commission" charge is necessarily unlawful. I believe they also use it when applying legitimate fees. My advice would be to wait a day or so then check again online to identify the charge.

 

I do think it's interesting that they use the word "commission" though, it's a bit of a give-away concerning their attitude to customers isn't it?

I found two debit fees last week both of which have changed names now to overdraft protection fee and account fee so be careful with these comission fees when your claiming money back :)

:pNikki:p

22/8/06 Subject Access Request sent to Barclays

21/9/06 Statements here.

22/9/06 Sent request for repayment of charges. £2,380 :-o

19/10/06 LBA sent

19/10/06 Barclays send offer, Nikki sends thanks but no thanks letter

 

FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!! -::::::::::::::::::: Read these, they really do help!

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:? Just to keep you all up to date, the buggars filed a defence last night, so now I am waiting for the transfer to my local court, along with my allocation questionaire docs.

 

Would any of you now contact KJ or one of his posse to try and settle or wait and file the AQ first.?????

 

I would like all of your thoughts on this, especially those of you that have settled or are further down the yellow brick road to me.

 

Thanks

Caz.

:?

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Guest Mumofthreeboys
:? Just to keep you all up to date, the buggars filed a defence last night, so now I am waiting for the transfer to my local court, along with my allocation questionaire docs.

 

Would any of you now contact KJ or one of his posse to try and settle or wait and file the AQ first.?????

 

I would like all of your thoughts on this, especially those of you that have settled or are further down the yellow brick road to me.

 

Thanks

Caz.

:?

 

It wouldn't hurt to give it a go.

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  • 4 weeks later...

Hi Guys,

 

HELP PLEASE - URGENT!!!!!!

 

I have received a letter from the courts "District Judge orders the claimant to provide information about:-"

 

"A fully Particularised Claim is set out clearly stating how the sum claimed is made up"

 

This is not a problem as I have copied all the bank statements and all letters and the summary which I sent originally to the bank etc.,.

 

THE PROBLEM IS THAT WHILST I WAS CHECKING THROUGH MY STATEMENTS AGAIN! I FOUND £60 IN CHARGES WHICH I MISSED - CAN I CLAIM THESE BACK IF I WERE TO PUT THIS INFO ON THE COVERING LETTER TO THE COURTS AND THE BANK (I have to send a copy of all the documents to the bank as well, as if they haven't got the info already der!)

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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No, not like this, you can't. You can alter your claim, but it will cost you £35, non-reclaimable, as it was your mistake. Is it worth it for £60? Only yu can decide.

 

What you could do, and I know it's a fair few months down the line, is when it comes to final settlement, to tell KJ that actually, there's been x additional charges and you'd like these included in the settlement. Might not work, as these are not additional charges since you first claimed, but these are the options open to you.

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Thanks Bookworm, it wasn't really for the money it was more for the fact that if the courts are going to be thorough that they would be sniggering.

 

Out of interest what would you put in your covering letter to the bank.

 

Thanks

Caz

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Share on other sites

I have already filled in the AQ and sent it back and in response I have had back an 'Order for Further Information (allocation)'.

 

They are asking for a Fully Particularised Claim Is Set Out Stating How the Sum Claimed Is Made Up.

 

I have copied all my Statements, my original letters and Excel Spreadsheet summary and the Spreadsheet summary detailing the 8%. I have added the statement numbers to my spreadsheet and I was thinking that perhaps it would warrant a covering letter.

 

Any help you can offer would be gratefully received as now I feel a little lost!

 

Caz

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Share on other sites

Oh, don't, Caz, that's just what they're trying to do, wrap you up in legalese and silly requests so that you give up.

 

You have a schedule of charges, with interest calculated, yes?

 

It will show type of charge, when incurred, how much for, number of date since offence occurred, and running total of charges, and total including interest. SO that's not a worry.

 

Covering letter?

 

To the court:

 

Dear Sir/Madam,

 

Please find enclosed a copy of the detailed schedule of charges, detailing how the total sum is made up. I trust this is sufficient information for the claim to proceed. I have also sent a copy to the Defendant, although I already had done so [remove if you hadn't!] and they have in any case access to all the information relating to my account.

 

To KJ (or is it AR now?):

 

Dear Mr KJ,

 

Since the courts asked for a fully particularised claim, please find enclosed a copy of the information sent today to the Court for your information.

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Hi Bookworm - thanks for your quick response, I do not know what I would do without your help.

 

So I do not need to send the Statements I just need to send a copy of the Schedule?

 

Thanks

Caz

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Yes.

 

The statements show all your ins and outs, they don't show (even with highlights) the charges which you are claiming are unlawful, you see? They also don't show the interest which you are applying to the charges.

 

In the end, did you or did you not claim the Additions fees? I can't work it out from previous posts. (nothing to worry about, just curious!)

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Hi,

 

No in the end I took them off, I felt it wasn't worth messing about and perhaps ruining my claim for the sake of approx £300 when the whole claim is for £4k +.

 

I am really grateful for your help, I will drop the info into the court today and post the copy to the bank via recorded delivery.

 

Thanks again - I will keep the site informed as to progress.

 

Caz.

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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  • 4 weeks later...

BUMP!

 

Hi folks,

 

Anyone out there who can tell me how long it took for them to receive a letter from the courts to give you a hearing date?

 

I sent the details of my claim to the courts on 6th October and I haven't heard anything back.

 

Am I worrying un-necessarily???

 

Caz

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Thanks - just done that and apparently they are waiting for the District Judge to sit and I should get the update within the next week.

 

Thanks for your help - M4n

 

Caz

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Share on other sites

Hi M4N

 

I will definitely keep you informed my court is Telford, so it will be interesting to see the differences between your area and mine.

 

Caz

:)

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Share on other sites

Hi all,

 

Just to keep you informed I have had my dates for the court hearing it is 2nd February 2007 at 10.00am.

 

This will make it approx. 8 months from when I sent the first letter to the bank requesting my money back.

 

Well at least I now know when it will be and that hopefully I will get my money at the end of January.

 

Caz:smile:

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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Share on other sites

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