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Phil versus Barclays ***WON***


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After reading this website I decided to try and hit Barclays where it hurts and get my money back. So far...

 

* Wrote to the bank on 22/07 requesting info on fees and charges for the past 6 years.

 

* Received a reply on 1/08 which not only included all of the data requested, but they also kindly returned my £10 cheque with a note to say that "this service is provided free of charge".

 

* Will post the next letter in the morning (09/08/06) requesting a reimbursement of £1.745.93 (includes £245.93 interest).

 

Fingers crossed all goes well. I'll keep you posted on my progress.

 

Great website guys.

Phil

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Good Luck with your claim

 

BTW what is the interest your claiming? If it's the 8% then that can't be added until it goes to court....

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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4kidsat147,

 

This is the interest on penalties as calculated by the charges spreadsheet. I hope it's right to include this at this point?

 

Thanks, Phil

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Ahh then no you can't include that.....not until it goes to court.

 

All you CAN include at this point is overdraught interest charges caused soley by the penelties....

 

Clear as mud? :lol:

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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Just to clarify as I think there's some confusion here: I'm referring to interest on penalties which is on the 'charges and interest' sheet and not the 8% interest. I hope this is right as I don't want to give them any opportunity to delay.

This morning I received a letter telling me that my request has been forwarded to Head Office and I will receive a response before 5 September. This is 28 days after I delivered the letter.

Would you advise to wait for the reply or to push for a more speedy response?

Thanks

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As far as I know then yea the interest on charges is calculated....well done you for working out which related to charges and which was normal for the overdraft, I couldn't be bothered. :lol:

 

As for waiting for their responce - nope, it's your timeline to work to - not theirs.

Halifax Plc - £1,956.00 + £360.15 interest = £2316.15

Preliminary Letter Sent - 7/8/2006

Standard blah, blah Letter arrived - 12/8/2006

LBA Letter Sent - 21/8/2006

Filed Moneyclaim - 04/09/2006

Moneyclaim Issued - 05/09/2006

Moneyclaim Acknowledged - 06/09/2006

**Settled in Full** - 11/09/2006

 

Barclays Bank Plc - Statements arrived - £250.00

Preliminary Letter Sent - 12/9/2006

 

 

Step-by-Step Instructions

A Good Place to Start

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  • 4 weeks later...

Hi all,

 

This morning I received a reply from a customer relations manager, Rose Frimet, who offered me £640 as a gesture of goodwill. :-|

 

I'll summarise the letter as it's quite long:

 

"May I say how sorry I am to learn you feel the bank charges you have incurred are unfair." "...we disagree with your view." "When an account is opened with us, our customer is provided with a copy of the Terms and Conditions relating to the use of their account...". "Despite my comments above in relation to your views, and without any admissions of liability, I am willing to offer the sum of £640 towards to the total amount you are seeking."

 

So they're trying to offer me about 40% of my claim but I'm not going to budge.

 

I'm going to send out an LBA on Monday rejecting their offer and giving 14 days for full payment. The reason for rejecting the offer outright is because from reading the responses of other claimants who have replied "I will accept your offer but not as full settlement and I will continue to pursue my claim" – this only seems to delay the process as Barclays seem to regularly deny the request and they simply repeat their original position.

 

I'd appreciate any thoughts or opinions on this as I have until Monday before I post the letter.

 

Many Thanks,

Phil :)

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Send the modified LBA with the thanks but no thanks changes in it. It won't delay things. THe LBA gives them 14days to reflect or you take them to Court. You will take them to Court in 14 days - unless they pay up in full - which they wont.

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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Thanks for the advice Spotty.

I've amended the LBA to inform Barclays that I reject their offer and have given them 14 days to comply with my request for full repayment.

I'll keep you posted.

Thanks again for the help.

Phil

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  • 3 weeks later...

I'm currently completing the online form at moneyclaim and would really appreciate some advice as I'm struggling with this one.

 

The details of my claim:

* Cumulative Penalties charged - 1,530.00

* Interest on penalties - 250.87

* 8% on interest - 399.20

* 8% on interest on penalties - 37.37

 

In the particulars of claim, is the interest I'm claiming (under section 69 of the county court act) 250.87? Is the daily rate £0.34 (1530 / 0.00022)? And finally is the Total Amount Claimed £1530??

 

I've had a good look around the site and have only managed to further confuse myself so any help is appreciated!

 

Thanks, Phil

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Value of claim is 1,780.87 (penalty charges plus interest charges)

 

Amount claimed is 2,217.44 (penalty charges plus interest charges plus 436.57 statutory 8% interest on all charges)

 

Daily Rate is 0.39 (1780.87 x 0.00022)

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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  • 3 weeks later...

Well Barclays had until the 18th October to reply and although I haven't received any notification by post it says that the claim has been acknowledged on 16/10/2006 and that they now have 28 days to reply.

I'm uncertain about the Judgement though, when I click on 'start', should I choose:

The defendant has not filed an admission or defence to my claim

or

The defendant admits that all the money is owed

I'd guess that, although I've received no direct notification, I shouldn't choose either as they've now 'acknowledged' my claim.

I’d like to be 100% sure of what I’m doing so I’d appreciate if someone with experience could help.

Thanks

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If they had until the 18th of October to acknowledge, then you will have filed 19 days before that. The court allow 5 days after filing before it is deemed to have been served on the Bank. Then they have 14 days to acknowledge. By acknowledging, they then have a further 14 days to submit a defence. That's a total of 33 days from date of filing. I make it that they have until the 1st of November 2006 to defend.

 

Hope that clarifies it for you.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 3 weeks later...

Bugger, Barclays only went and filed a defence yesterday.

 

Received the AQ this morning which I've just completed and will hand over to the court in person this afternoon.

 

The case continues...

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When I dropped in my AQ, I also included a copy of my schedule of charges plus the 8%. Barclays used up all their time before returning theirs.

 

They are so frustrating - but Barclays, if you are reading these threads, I ain't goin anywhere. I'm seeing this through to the end.!

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Whilst I suspect that MCOL will have transferred everything to your local court, personally, I would send or take the schedule to the Court. Better safe than sorry later.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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  • 3 weeks later...

I handed in my AQ on the 1st Nov, does anyone know how long it takes before a court date is set or how long you generally have to wait before you hear something?

 

I've also been hit with a few more charges recently - can I add these on to my claim and if so can anyone help tell me how to do this?

 

Thanks

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My Directions Hearing stae was sent to me about 10 days after the deadline for the AQ to be submitted.

 

You can amend your claim but it will cost you £35 (non refundable) and is likely to delay your case a little. Check with your court staff. They will have a better idea as to timescale.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Hi Welshman

 

I'm just about to send my SAR letter off. I have 7 acounts with Barclays. Now do i have to send a cheque for £70 with my letter or just the standard £10??

Thank you

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No, £10 will do. Make sure you refer to all accounts in the S.A.R. letter. The information you are requesting is on you as a person not per account.

 

Good Luck

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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