Mamma-Caz V Barclays - Help Please

[Mamma-Caz]

Ta! MOTBx

[Mamma-Caz]

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!!!!!!!!!!!

 

[Nightstar]

Dont let it get to you Mamma-Caz, all in good time, Good Luck,

[Mamma-Caz]

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;-)

[The Druid]

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

[victimnomore]

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?

[xxxNikkixxx]

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

[Mamma-Caz]

:? 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.

:?

[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.

[Mamma-Caz]

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!)

[Bookworm]

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.

[Mamma-Caz]

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

[Bookworm]

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

 

At which stage?

[Mamma-Caz]

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

[Bookworm]

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.

[Mamma-Caz]

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

[Bookworm]

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!)

[Mamma-Caz]

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.

[Bookworm]

awww shucks, ma'am, ain't nuttin'

 

All in a day's (unpaid) work, lol.

 

[Mamma-Caz]

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

[Money4Nothing]

Give you local court a ring - they're usually quite helpful.

You only need the claim ref: number...

Just say you were wondering how things were getting on.

 

m4n

[Mamma-Caz]

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

[Money4Nothing]

No probs, looks like we're in the same boat...I'm waiting for my court date too

I'll keep an eye on your thread - and let you know how I'm proceeding as well.

 

m4n

[Mamma-Caz]

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]

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: