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juliekaye1982

Confused over statements!

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Hi

 

I sent off the SAR last month and got the usual blurb with the £10 back and the statements arrived less than a week later (have to say, im doing the same thing with Halifax at the moment and barclays are winning hands down for speedy service!). However, the statements i have been sent are a little confusing and the money that has been taken by the bank seems to be referred to by 4 different names! Can anybody clarify which ones i can claim back, i have tried looking through various threads but im just getting more confused!

 

The names given against charges are:

- Unpaids out

- Paid referral

- Interest Charged

- Overdraft Fee

 

Any help would be much appreciated as i really want to get my prelim letter off! Thanks in advance!


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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- Unpaids out (Yes)

- Paid referral (Yes)

- Interest Charged (you can claim the interest on the charges but this can be difficult to work out)

- Overdraft Fee (Believe you cannot claim this as i think this is a service fee for your overdraft probably somebody else can confirm this.)

 

Also look for another word that Barclays use Commission.

 

I decided not to claim the interest as i felt this would more than cover Barclays actual costs, seemed the fair thing to do.


Story So Far:

Pre letter sent 14th August.

Barclays Reply 18th August.

Barclays Reply 5th Sept.

Lba sent 30th August.

Rejection letter sent 9th Sept.

Barclays reply 13th Sept.

Mcol submitted 15/09/2006.

AQ received 21/10/2006.

AQ returned 23 /10/2006.

Court Date:25/01/07 10.30am

Phoned Barclays 08/01/07 Said they would contact me shortly.

15/01/07 Received letter offering a full settlement however figure was short.

22/01/07 Received telephone call from Barclays asking for a settlement figure.

CLAIM SETTLED IN FULL!!!!!!!!!

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Thanks for the quick reply! Im glad i asked!

 

Quick point, when i say Interest Charged it literally says on the statement, Interest Charged and then has an amount taken from the account, usually on the same date as the overdraft fee?

 

Any one have any advice on this? And on the issue of claiming Overdraft Fee's back?

 

Thanks again


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Hi, I was in the same situation last night !, I didn't bother with the charges as I found it a bit too hard to work out using the advanced spreadsheet.

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Not too sure where to go with this now.

The overdraft fee's and unauthorised overdraft fee (surely just a rewording) vary from £5 to £20, even if the overdraft was our fault this is surely a lot to be paying. And as there is no need to work out the interest charged as it is on the statements im not sure what to do!


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Hi Julie I dont think you can claim all the interest, only the part that was charged on the illegal charges,also the overdraft fee is a business charge that you will have agreed to when taking out an overdraft.To work out what interest to charge use Vampiress's spreadsheets (very good ) from the templates library


:grin:amount WON so far £15,021.27(12 claims):D

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Thanks for the advice, its me getting in a flap as i need to get this done and printed out today!

Any advice on the overdraft fee part from any mods?


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Hi, I am in the same boat, your question and the answers are very helpful, can I claim for unauthorised overdraft fees?


Captital One :) :Settled in full at LBA £676.00

Barclays 1 :rolleyes:

05/01/06.

Court date set 13th April

Barclays 2 :rolleyes:

Court date set 13th April

Barclay Card::p

Court date set 13th April

Monument: :p

Court date set 13th April

All my cases are being heard at the same time for 2.5 hours

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I think an unauthorised overdraft fee is the same as an 'unpaid out' or 'paid referral'.

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Yes, I wonder if it is, as the statements show that I was charged an overdraft fee, which is reasonable, then interest, and ontop of that I am charged £20.00 a throw for unauthorised OD fee, that can't be right can it?


Captital One :) :Settled in full at LBA £676.00

Barclays 1 :rolleyes:

05/01/06.

Court date set 13th April

Barclays 2 :rolleyes:

Court date set 13th April

Barclay Card::p

Court date set 13th April

Monument: :p

Court date set 13th April

All my cases are being heard at the same time for 2.5 hours

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I am looking over my statements right now. It seems to me that Barclays just change the name of the illegal fee now and again just to throw us off the fact that they are ripping us off.

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Sorry for the long time between posts but ive been away. When i sent off my Prelim with the statement of charges i put in everything i thought should be included as everyone seems to ahve different opinions. This included the overdraft fee. I have received the standard letter back " we are dealing with your complaint you will have a response within 4 weeks, etc"

Now im just waiting for the 14 days to be up to send my LBA


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Historically, Barclays used to charge a monthly fee to customers who had an agreed overdraft facility. I don't know when this was scrapped (long before my time) but I do know that before it was scrapped, it was £5 per month. Therefore, I feel it is unlikely that you will be able to claim this back, as it wasn't a penelty. However, if the amount was £20 then this must refer to an unauthorised overdraft fee, which is chargable.

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Ok, after all the confusion in this thread my battle continues. I have now received an offer from barclays for £450 (claim is for £1000). Received it the day before i was going to post my LBA! Rewriting the LBA now to accept it is a partial payment and continue the battle for the rest of my money, although i dont think they will raise the offer without a claim.


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Has anyone got a template of a LBA accepting partial payment but pursing full refund? I want to make sure i word it right!


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Does anyone have any template like this or any advice?

 

Also can someone tell me how to change the name of my thread?


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html This is what your looking for julie, all the templates are in the library. I think only a Mod can change titles etc

 

 

Best of luck

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Does anyone have any template like this or any advice?

 

Also can someone tell me how to change the name of my thread?

 

 

Thread changes can only be done by mods......what do you want it changed to ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks for the link!

Please could my threat title be changed to confused v barclays or something similar to that! thanks


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Ok, if anyone could give me some advise i would be very grateful! Not to bore you with details but due to personal probs all this had to take a back seat for a while. I havent contacted Barclays since i declined the partial offer on 19/9 and am yet to send the LBA. am i ok to just send the LBA or do i need to start further back again?


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Carry on as normal Jules....Barclays will consider 8 weeks as no further action from you.

You are well within that.:)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks! Now i know im not wrong im going to get my letter sorted tonight and in tomorrows post. Sometimes you just need an extra kick from someone :o)


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Need some urgent advise! Barclays havent acknowledged my claim and it was issued on the 23rd, does that mean i can start judgement???


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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Doesnt matter, found my claim form! 6 days and counting!!


Halifax:

**SETTLED IN FULL 18/11/06**

 

Barclays

Court date set - 26th April!!

 

 

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They will acknowledge right at the end:mad: and it will still take the court a few days to let you know:-x


:grin:amount WON so far £15,021.27(12 claims):D

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