Steveob v Barcleys

[steveob]

I got my statments today I only asked for them about 10 days ago my cheque for £10 was also returned which was nice they owe me just over £1500 over the last six years so let the battle commence.

[Aitken Brotherston]

Good for you.

Fun Isn't it?

[steveob]

Hi I have done my spreadsheet but the interest bit has got me, Looking through my statments over the last six years it looks like I have only been charged about £2.50 could this be correct or should I be adding the interest to what they owe me.

[Aitken Brotherston]

There are two bits of interest.

 

1. Interest you have been charged by being overdrawn or lost on an interest bearing account. This will be included in the refund you demand from the bank. The amount of interest will depend on the type of account you have. It should be itemised on your statements. If it is overdraft interest £2.50 sounds very low for £1500 over six years.

 

2. Interest you add to your claim when you take action in the court to recover your loss. This is always 8%pa and is only added if you start court action via the County Court system e.g. MCOL. The 8% is calculated pro rata on the number of days using the total of the unlawfully taken charges + any interest charged or lost as a result. This + the court fee then forms the basic amount of the claim.

[steveob]

Hi am ready to send the first letter asking for my money back but im a little confused as the advice given says at this stage do not include the interest but in the templet letter is says im claiming xxxxx plus interest of xxx, Can anyone help me out

[kingliam]

"plus interest of XXXXX"

 

This is the amount of Overdraft Interest you have been charged in your statement's, not the 8% interest you would be entitled to if you go to court.

[steveob]

Ok I have posted the first letter asking for my money back giving them 14 days to reply they should have it monday I sent it recorded delivery, Q: do I wait 14 days i-e 14th sept or is it 14 working days.

[Spotted Dog]

It is 14 real days i.e. 14th Sept

 

Good Luck

 

Spotty

[steveob]

Thanks for that was'nt sure.

[steveob]

Just a little update Barcleys should have received my LBA yesterday the 19th so im on countdown.

[steveob]

I have not had a reply from Barclays yet they only have 5 days before I start my moneyclaim I thought I may have had an offer ( I was going to refuse it anyway).

[steveob]

Hi all, I got Barclays defence today, usual rubbish!!!!!

I have been on the step by step pages to have a look at the guidance notes,which I must say were very useful, but can anyone clarify a few questions I have?

Section D applications-what does this mean?

Witnesses- myself obviously, but how do I put it politely that Barclays have been stealing from my account.

Section F Proposed Directions- what dose this part mean?

Many thanks to anyone who can help me with these points.

.

[steveob]

Anyone help

[Welshman]

Hi Steve. Take a look guide-for-completing-allocation-questionnaire .

 

Just check whether it's the N149 or N150. Should say on bottom left of form.

[steveob]

Hi I have been on to the guidence section of the allocation-questionnaire but I may be a bit dim here, but I just not sure what to put into these sections can anyone clarify a few questions I have?

 

Section D applications-what does this mean?

Witnesses- myself obviously, but how do I put it politely that Barclays have been stealing from my account.

Section F Proposed Directions- what dose this part mean?

Many thanks to anyone who can help me with these points.

[steveob]

For some reason I have been sent a n150 form where is ask's for proposed directions Im really stuck what are proposed directions

[steveob]

I recieved my court date today. Its for 28th February, however I am a little concerned regarding the directions that apply to the claim, the letter was dated the 14th Dec which I receieved this morning the 16th Dec, It states;

 

1] Each party shall deliver to every other party and to the court office copie's of all document's ( including expert's report's if the court is given permission for expert evidence to be used ) on which he intend's to rely at the hearing.

 

2] The copie's shall be delivered by 4pm on Friday the 15th Dec 06.

 

3]The original document's shall be brought to the hearing.

 

Are the court are asking me for my court bundle to be delivered by Friday 15th Dec or are they referring to the document's that I have already provided as in the Allocation Questionare, the spread sheets with the sum involved?

Can anybody shed some light onto what there asking I just hope its not the court bundle they want by the 15th Dec as I only got the letter doday the 16th Dec ( the court letter was dated the 14th Dec ).

[steveob]

Can anyone help with this please.

[steveob]

I have spoken to the court today they WHERE asking for my court bundle, the guy I spoke to said not to worry he will sort a new date out for my bundle to be in by. He said he can't understand why the judge asked for it so early as it would just be sitting on file. The judge allocated it for the small claims on the 1st Dec the hearing date is the 28th Feb 07, I never got any letter telling me about the allocation hearing is this normal, do you think a phone call to Barcleys would be worth it or is it to early to try that one yet.

[steveob]

bump

[Welshman]

I have spoken to the court today they WHERE asking for my court bundle, the guy I spoke to said not to worry he will sort a new date out for my bundle to be in by. He said he can't understand why the judge asked for it so early as it would just be sitting on file. The judge allocated it for the small claims on the 1st Dec the hearing date is the 28th Feb 07, I never got any letter telling me about the allocation hearing is this normal, do you think a phone call to Barcleys would be worth it or is it to early to try that one yet.

 

Take a look at post #240 in my thread here . It appears that cases as far ahead as that will not be settled until the New Year.

[steveob]

Thanks for getting back to me Welshman, just a quick one in my post I said the court had already allocated my case to the small claims but had not told me about the allocation hearing which was back on Dec 1st, my court date is the 28th Feb any reason for this.

[Welshman]

Absolutely no idea. It may have got lost in the system somewhere. Anyway, no harm done. It's just a shame that Barclays won't at least settle with those who have their dates regrdless of how far ahead they are.

 

I feel very fortunate.

[steveob]

Well I thought I might just give them a ring to see if they wanted to settle A Mr C Evens is dealing with my case, I never got to speak to him personaly but the messege I got back was to offer me the £850 which was offered back in October which I told them stick it so I told them I would see them in court in Feb.