Bring it on!!! Whits vs. Barclays Bank

[Whits]

I've done it, after months of reading posts on MoneySavingExpert, I've come here to find out all I need to know about claiming my charges back.

 

I've read the FAQ many times but still haven't got much of a clue, so please offer any advice as to what I should be doing.

 

I've taken the S.A.R. letter from the templates library and have filled in my details and printed it. I'll be sending it to Churchill Place as that seems appropriate.

 

I know several people have have done step by steps but it still baffles me:oops:

 

Am I right in thinking that I send out my S.A.R. with a cheque for £10 and then they have 40 days to furnish me with my requsted statements and all other hernia-inducing paperwork:confused:

[Welshman]

Hi, and Welcome.

 

Yes is the answer to your question.

 

Read the threads here, you'll learn lots and it will give you confidence in your claim.

 

Any problems, post here.

 

Good Luck.

[Whits]

Thanks Welshman:)

[Spotted Dog]

Have a read of Druids thread - gives yu an idea of the step by step progress

 

Spotty

[Whits]

Already done it, that's what has given me the kick up the backside to start the ball rolling.

[Whits]

Oh crap, I've only gone and sent the bloody S.A.R. letter off:shock: I can feel my knees going weak already:oops:

 

On a slightly happier note, I've just applied to another bank for an account and my OH and I have had an offer on a house accepted and the SSTC board has gone up:)

[closey]

The SAR letter is fine.

 

Now while you wait for your statements spend time reading and rereading through the FAQ's. It takes a while, but I promise you it does click, then you'll be fully armed with the knowlege to take the banks on!

[Whits]

Got the standard reply letter back yesterday.

 

I don't understand why they bother telling you they're not obliged to supply this info when in the very next sentence, they tell me they're sending me statements as a compliment:confused:

 

I don't want anything complimentary, I want my bloody money:mad:

 

Anyway, I'm off to read Druid's thread again just to make sure I know what I'm doing, that'll be a first:rolleyes:

[Whits]

Well, my statements have arrived so it's time to crack open the highlighter:D

 

Is it just me or does anyone else get scared when it gets to this point, all of a sudden it seems real:o

 

Anyway, statements here I come:)

[andtroy]

I Whits

 

I was scared when I took this on but I got loads of confidence when I started the ball rolling and decided to go for it, when you get your money back just think of the holiday or whatever :D .

 

One word of advice keep a hard copy of ALL the letters that you write and send them all recorded delivery stapling the little orenge receipt to the appropiate letter, ( read through my Barclays thread "andy v Barclays as to why I say this ) and keep the letters in a seperate dedicated file. This means that if you need anything you know where it is.

 

Good Luck with your claim

 

Andy

[Whits]

Cheers Andy, I try to read as many threads as I can but you kow how it is, everyone on here hates Barclays:grin:

 

I've looked through my statements and despite being annoyed that I used to be so good with money, I'm quite pleased as it works out that they owe me £2360:eek:

 

Time to get it back:mad:

[Whits]

Ok, prelim letter has been printed out along with my excel document showing them how much they have taken

 

Does it make anyone else cry when they see how much money they used to have:confused:

 

Anyhow, I think it's time I buggered off to the post office with my letter:)

[Whits]

Well, prelim letter has been sent out so now I guess I just have to wait to recieve the standard "how about we give you less than half of what we owe you" letter:rolleyes:

 

It looks like I can't say stolen any more, I'll have to stick to taken;)

[Whits]

Well, I gave them 14 days, and a couple extra, and no £2360 has appeared in my account.

 

So I've sent my LBA letter off today, looks like another few days of waiting for the inevitable "have a little bit of cash and leave us alone" letter, it's a bit boring isn't it?

 

[Whits]

As much as it pains me, I must give Barclays credit for responding so quickly, albeit unsatisfactorily:rolleyes:

 

I received the standard "here's less than half of what we owe you, now go away" letter this morning so I'm now off to the post office to tell them to shove it:grin:

[Spotted Dog]

Sounds to me as if you are beginning to enjoy the challenge of taking on these bloodsuckers !

 

Spotty

[Whits]

Sounds to me as if you are beginning to enjoy the challenge of taking on these bloodsuckers !

 

Spotty

 

I guess I am a bit, but it does annoy me that we all know Barclays will elect to defend and then pay out because they don't have a defense.

 

Wouldn't it be great if a judge would tell Barclays to stop wasting the courts time and just pay up :grin:

[Whits]

I received the standard "are you sure you don't want £1000?" letter trying to make me reconsider.

 

I wonder how many people have actually chickened out and accepted it because they're worried about going to court?

 

Talking of which, my OH's ex has just started the ball rolling on his claim but is using a solicitor to do it for him.

 

I get the feeling that we'll start seeing ads on TV from 'specialist' firms offering this service:mad:

[allan1983]

Hmmm.... That gives me an idea!!!!

If i get my claim anyway!!

[Whits]

Two things Allan - first of all I'm going to patent the idea

 

Secondly, surely you mean when you get your claim paid

 

[Whits]

Holy crap:eek:

 

Got a letter this morning from Northampton County Court about my claim against Barclays.

 

I know plenty of people have had this letter previously but I'm just finding it very surreal that I can take a massive organisation to court:eek:

 

I'm just annoyed with myself that I had no internet access for a month, I now have to give them until Jan 31st to acknowledge my claim.

[Whits]

Stone me, Barclays have acknowledged my claim and have decided to defend. I didn't see that coming

 

I just want to clarify, it's now 28 days toatal, and not 28 working days for them to file their defence. Is that correct

[Falcom]

Its 33 days total from the date you submitted MCOL. 5 days for MCOL to serve it on Barclays - 14 days to acknowledge and if they do 14 to defend. 5+14+14=33

 

Peter

[Whits]

Thanks Peter, I appreciate your time

[Whits]

Whits' is not a happy bunny

 

I had a look on MCOL as today was the last day for Barclays to elect to defend my claim and they've bloody well done it

 

I am so angry, I know I'll get the standard letter from them and they know that they'll end up paying out so why don't they just do so now

 

 

 

 

OK, that's my rant over, I just wanted to see what the next bit is. I'm opff for a look through the FAQ