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MR.T v barclays (£2,456.96) LOL


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I need a few questions answered ,but the story so far, is having read loads on here....

sent SAR 13/08/06 got letter saying "we,ll send them but 1999 to 2000 are on micro fish thingy and not covered by DPA(dont worry I,ll just add an average years charges)

Got statments going back to 1998(8 years)charges total £2,456.96

Can I claim back this far? or just 6 years ?

Returned my £10.00 cheque saying we dont charge for this(thats strange coz on my statments you charged mr £5.00 for a single copy statment

can I claim this back ? )

Also I have had a barclays additions account all this time with a standard account fee of £5.00 a month .back in 98...it,s now £10.00 a month which is what barclays charge me to manage my account.So the question is , in view of the excesive and unlawful charges that been applied to my account during this time do you think I would be able to add these to my claim or should I stick with the unlawful bank charges or launch a seprate claim after settalment

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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See the "six year" question here.

 

If they'd kept the cheque you could have included THAT as part of your claim, but if the £5 statement charge was on a different occasion then it's not involved I'm afraid.

 

The additions fees are a legitimate charge for a service (the benefits of the Additions account), so is not claimable as an unlawful charge (sorry again!). But if you didn't agree to the so-called account upgrade and its very questionable "benefits" then you may have cause for a separate complaint.

 

Hope that helps.

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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I,ve decided to reclaim all charges going back as far as the statment they sent me, which is 8 years (1998). on the grounds that the statute of limations (as far as I know) dosent cover unlawful and or ileagle (a sick bird)actions i.e I,ve been EDIT by a man in a suit, periodically, ever since i opened an account with that bank.If I do have to go to court I will have a revised figure to hand going back only 6 years.Sent letter of today reclaiming my money didn,t give a itemised brake down of charges or a time scale just the figure above........after all we arn,t talking about a typo error or a clerical error were talking about a large company systematicaly,knowingly,unlawfuly,on a massive scale EDIT t,s customers IT MAKE ME THINK "I DONT WANT MY MONEY BACK I WANT MY DAY IN COURT"SOMEONE SHOULD BRING THEESE BANKERS TO COURT AND LET JUSTICE BE DONE.but as it is, I,m skint so I,ll just settle for the 2 and half grand..But if one of you,s want to do it "I,m right behind ya brother":lol:

 

 

Edit due to libelouS wording

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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Received standard letter from barclays 5/10/06 and a silly little booklet titled "DON,T HOLD BACK YOUR FEEDBACK" ERRR dont worry i won,t.they say "a full report or an update on our progress will be sent to you within 8 weeks".they must be realy busy must be all there customers asking for there fines sorry I mean charges back.Just In case they read this you got 14 days and the clock is ticking..

 

 

 

 

"HEY FOOL I A,INT GETTING IN NO PLANE"

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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since sending my letter asking for my money back i have incured fines sorry i mean charges of £120.00 i have compiled a letter which i intend to send to barclays every month (Via customer service FREEPOST address)asking them to refund my charges..One other thing since I visited this site and finding out the truth I must addmit that I,ve gotton worst at managing my bank account the fact that they charge me £30 a pop dosen,t stop me from going overdrawn when I know it,s unlawful and I can claim it back.If and when barclays start to charge say £12 or a lawful administration charge maybe then I,ll get my act together:confused:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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  • 2 weeks later...

I,ve sent my request for refund .got the normal responce "were looking into it" get back too you in 4 to 8 weeks we,ll they have had there 14 days so I,m about to send my letter before action pre-emtting there responce I,m about to complete my N244 and N1 can someone tell step by step what i should put in each section,is it 1 N244 And 3 N1 forms +3 schedule of charges and do I write in the N1 form in the perticulers of claim see attached schedule of charges ..try and make your instuctions idiot proof please

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I,m about to complete my N244 and N1 can someone tell step by step what i should put in each section,is it 1 N244 And 3 N1 forms +3 schedule of charges and do I write in the N1 form in the perticulers of claim see attached schedule of charges

 

Why the N244? Are you amending an existing claim? If not. the N244 is unnecessary

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thanks for that just N1 then

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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Three copies of the N1 then, one for the court one for the defendant and one for yourself, with a copy of your schedule of charges (with interest up to the date on your claim) with each.

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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thanks for any and all advice ..I didn,t wait the 4-8 weeks barclays wanted and sent my letter before action ..Used the calculating spreadsheet on here and they owe me 2,626.29 + an additional £700 If i have to start court action which I know dout will,You would think they know whos In the know and just settle before court and save themselfs the additional interest.but thanks to all and a donation to this marvalous site is on it,s way soon I hope 10% Is the normal ammout ? is that right?:lol:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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There's no set figure, everybody's circumstances are different. 5% is the suggestion, some people give less, some people more and some (well quite a lot, actually) give nothing at all. It's entirely up to you.

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Well I personaly think that without this site Iwould have got nothing at all and the help,advice and guidence have been invaluable so I,ll happily give 10% of what I get and FOR THOSE OF YOU WHO GIVE NOTHING WE,LL YOU PROBERBLY SLEEP BETTER NOW THAN YOU DID BEFORE..I notice you can give via paypal but i dont have an account and I,m not a fan of there,s any way so can i send a cheque "It wont bounce honest:grin:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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  • 2 weeks later...

Just one more day and my mcol is going in..not realy interesting I know just puting this in case barclays are reading and they want to save themselves £700 ..... Just had a thought there settlement is coming out of there profits which is made up from my account fees which i,ve paid so I,m contributing towards my own settlement...there should be a law against that too :lol:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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HELP the 14 days have passed and I,m a about to do my mcol, I know there,s not a lot of space when you do it on line and I want the wording to be spot on so can some one point me towards a copy...:confused:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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cheers m8 spot on just the job :lol:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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Received offer of settlement(sorry I mean goodwill) from barclays today for the sum of £1000 sending polite refusal and completing MCOL :cool:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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After you've filed, send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

When you receive the Notice of Acknowledgement send a copy to the bank’s solicitors.

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thanks micheal, sound advice I,ll do the first thing monday..Got two copy,s here just waiting to go...

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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  • 5 weeks later...

MCOL completed issue date was the 13/11/06... barclays acknowledgment was on 1/12/06..(which was 17 days later) I thought they had to send acknowledgement within 14 days to be granted the 28 days to enter a defence??????

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I,ve been on the mcol and tried to get judgment by default 18/12 but it,s not happening...do I need to ring the court and speek to someone there..barclays have aknowledge my claim but not entered a defence also I haven,t had any contact from there legal department..what do you advise

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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  • 2 weeks later...

Just an update Barclays have entered a defence and my case has been tranfared to my local court.. durham.. current total is £3,444.71 plus £100 for my allocation questionaire which has to be in for 2/1/07 wish me luck

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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