Alvey vs Barclays

[katiealvey]

Hi there!

 

This is my first time posting on this site. I have read all the FAQs and been reading threads regularly to try and get my head round it all, but there is so much information, I keep getting confused.

 

However, I love the idea of fighting these big corporations for any and every penny we can get so I am up for a battle!

 

I have requested and received all my statements, and calculated the total owed.

I sent a prelim letter on 18th September, and got a response on 23rd Sep saying:

 

'I am sorry you have had to contact us about your bank charges. ... . I have referred your concerns to our Head Office team and they will let you have a response or update as quickly as they can but no later than 18th October ... '.

 

I have noticed from reading other threads that this is a fairly standard response. But what I can't work out is what to do next.

 

Do I await their deadlines? Or do I remind them of the original deadline? Or do I send an LBA now? :-?

 

Any help would be much appreciated.

Cheers

[victimnomore]

Unless they comply with the request in your preliminary letter (which they won't!) you should send your LBA 14 days after your prelim. Your timetable not theirs!

[kydcarmen]

Hi katie, keep to your own deadlines, send the LBA letter when the 14 days are up on the prelim letter. It doesn't matter they state, keep to your deadlines.

[katiealvey]

Thanks so much for your really speedy responses. It's great to have that confirmation.

 

I will now prep my LBA for when the 14 days are up and hope that that provokes a better response from Barclays.

[katiealvey]

Right - the 14 days are up, and Barclays have provided no further response.

 

Have just written out and posted the LBA for Barclays for £715.

 

Am feeling rather nervous, but also quite excited about the prospect of getting some cash towards my skiing fund!

 

I suppose if it goes to court, at least I can potentially claim back more money with the 8% interest charges - even if it does feel a bit scary.

 

My next job is to keep reading as much info as possible about filing a court claim - hope I'm still on the right track.

[Bookworm]

Yes, you are, except for your timing re the ski fund. Better think in terms of summer hols. ;-)

[katiealvey]

Now having a very large alcoholic beverage because I have just filed my court claim using MCOL! Terrifying!

 

I have carefully followed all the instructions on Moneyclaim and using this site (I hope...) but am starting to feel anxious as I don't understand where I could have attached a copy of my schedule of charges to this online claim. Have I missed something or do I not need to attach it?

 

Also am I now supposed to send a letter to the bank with another copy of the schedule of charges with 8% interest? I can't find a template in the library. Has anyone already written a similar letter?

 

Thanks for all help in advance.

[Welshman]

Hi, and welcome to the club!

 

 

Print out two copies of the schedule which include the 8% interest and send one to:

The Court Manager

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

quoting your Claim Reference number on the schedule.

 

and the other to:

 

Barclays Bank PLC

Litigation and Disputes team

Level 29

1 Churchill Place

London

E14 5HP

 

with the reference number on the letters they have been sending to you.

 

With each Schedule,enclose a covering note asking that they attach it to your file and that you've sent a copy to the other party.

 

If this post has helped you, please acknowledge by clicking on my scales above.

[katiealvey]

Thanks so much for your swift response - and addresses too!

 

Much appreciation for the clarification and I'm glad that it is not too confusing considering I am nearly at the end of my very large drink now!!!

[sandbag]

Good Luck Katie!

Best Wishes Sandbag.

[katiealvey]

Thanks for the encouragement Sandbag. This is all a bit scary!:o

 

I will just wait now before I hear a response from MCOL about the court dates.

 

I have also just read your thread and it is very reassuring to know that you have recently been through all of this with Barclays.

From your experiences do you think I should start preparing a court bundle now and did you just use the example court bundle in the library? Did you have to add much information to it?

 

Good luck in getting your huge refund back too!

That could be an amazing holiday!!!

[sandbag]

Hello - i have just started to sort out my court bundle from the stuff in the library and jonni2bads thread which is very helpful. I will just be adding all my correspondence and my statements.

Very best of luck

Sandbag.

[boXXer]

Hiya. I just wondred if you could help me by posting up the txt you used to file your MCOL. And how did you work out the 8% charges.

 

Thanks, mike

[katiealvey]

Thanks sandbag,

 

I will start preparing my bundle soon and look forward to what ensues. Thanks for the links.

[katiealvey]

Hi there Boxxer,

 

If you go to the main forum page for this website and look at the 'Bank Templates Library' - go to no. 5 'MCOL Particulars of Claim' gives you the basic template for the bulk of your MCOL claim - just adapt it to suit your needs.

 

With respect to the 8% interest charges - you will find the spreadsheets to calculate the interest on the same page - no. 6.

 

Hope this helps.

It's probably best to follow these links rather than copying my text just in case I made mistakes in adapting the text to suit my needs!

Best of luck

[boXXer]

hiya! thanks for your reply. Ive done those bits already, i just wanted to make sure i had worked out the 8% correctly. Im claiming for £2083, and the 8% is £324. Does that seem right to you? dates are from 05/09/2000 to 31/08/2006

 

Thanks again!

Mike

[katiealvey]

i'm no mathmatician mike and my husband would definitely tell you not to take my sums as read!!!

 

but i am claiming for £715 and the interest works out to be £140 roughly

 

someone else's thread i read was claiming for £4000 and the interest was around £800

so give or take how many claims we have made early in the 6 years or more recently that probably sounds fair

 

if you've used the spreadsheet it should be right - i have just let it do the sums and assumed it's right! I hope so!

[boXXer]

lol, same as then! thanks very much for your reply.