Lottie 36 v Barclays *****WON*****

[lottie36]

Hello.Getting stuck into all the info! Barclays have just made me an offer of £900.00.I originally requested that they paid the full amount of £1650.00.Don't know what to do now. DEAl or no DEAL

[MARTIN3030]

Ha Ha Welcome to the forum.

 

Looks like its gotta be no deal..........Have you sent the letter before action ?

 

if so then its time for the only word they will respond to COURT.......

[Michael Browne]

What stage are you at? Prelim, LBA or Mcol.

[lottie36]

I havent needed to threaten court action yet but im not sure what to do now.I was originally prepared to take legal action so i feel as if i should carry on now.

[MARTIN3030]

Its the only way the banks understand.

Although there is a chance they will repay you before you commence action.

You have to be prepared .........like the 76,000 others here !!!

 

Now what have you done so far ?

We can advise you once we know that.

[lottie36]

I have been using the which template letters.So far i have got to letter 2.Received a letter(copy)saying that i would receive a decision by oct 2nd.I did not receive this so contacted the bank.They told me that i should have received an offer of £900 and there must be a problem with the post!(only when it concerns this)I should receive this letter in the morning.Thanks for getting back to me.

[MARTIN3030]

Theres a letter of rejection for this (see bank temps folder link below)

 

You should get that straight out to them.

 

Then you can start the court claim right away.

[lottie36]

Do i need to send the LBA letter or can i simply phone and request full payment?

[Michael Browne]

Send the LBA 14 days after the date of your preliminary letter, you'll get nowhere phoning. Keep everything in writing.

[lottie36]

In my LBA should i accept the £900 on condition that they settle my claim in full or should i refuse and insist that they settle in full.

[lottie36]

I have received my letter from the bank offering me a repayment of £900.Quote'withoutany admissions of liability,i am willing to offer the sum of£900 towards the total amount you are seeking.This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill,in full and final settlement of your complaint.' Should i accept the offer on condition they settle any outstanding amount or should i refuse the offer and demand full payment?

[Michael Browne]

Amend the 1st paragraph of the LBA along the lines of:

 

 

Thank you for your letter dated xx/xx/xx and your offer of £900

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

[lottie36]

Sorry to be a pain! In the LBA it mentioned interest which was charged.I only thought you tried to reclaim the interest if i go to court.I'm a bit confused about this and also how do i work the interest out. thanks a lot your advice its been a great help.

[BenScoobert]

As far as I understand it.

 

You can claim interest soley caused by charges.

 

If you go to court you claim 8% interest on every charge from the day it left your account.

[Michael Browne]

There are 2 instances of interest you can claim:

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

[oldtyke]

I got the data from LLoyds, but when I look at the spreadsheet to fill it in, the examples use a figure of £10. My charges were £27.50p Which figure do I enter in the spread sheet?

 

( I'm really in over my head here, but I hate banks and would love to get one over on them. )

 

Doing a good gob .

 

Regards,

[Michael Browne]

Overwrite the example with your own data, type of charge, amount and date.

 

Days since and 8% will be calculated automatically.

[oldtyke]

Thanks Michael, appreciated.

 

Regards,

[lottie36]

I need to fill in the spreadsheet for the 8% interest but am not sure which spreadsheet to use.I live in wales.It also asks for a claim date and im not sure when this will be.Am i a bit dull or is this the court date?

[ashort]

I've been reading this thread with interest as it is very similar to my predicament. The bank offered me 2/3 of my claim. I accepted this but told them I would request the remainder through the courts if necessary. They have until Monday to respond when I will have to go down the moneyclaim route. Keep at it and let me know how you get on. It can be hard but well worth it in the end I'm sure . If/when successful I will be spreading the word.

[Michael Browne]

Use the Simple here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

What claim date? I thought it just asks for the dates of your first and last charges?

[MARTIN3030]

Beat me to it Michael !

 

I have lots of time for those who try yet come unstuck with what to me and you are simple requests ......I always remember being here for the first time myself and being fliustered by it all......prob u too Michael ?

 

Its about time you joined the team in the back.......I keep askin but they tell me you are happy here...................so I make a request Mike come and have a coffee with me !!!

[lottie36]

I am not sure what im doing but trying to keep going at it.Any idea which spreadsheets to use for 8% interestand claim dat???

[lottie36]

Help ive tried opening the spreadsheet and it wont open.It says it either doesnt exsist or its already open.They only seem to be for england or wales?

[lottie36]

Please can someone help me.Its not through lack of research from this forum beleive me!!I have not had a reply regarding the LBA i sent to barclays(not that i was expecting one).I will be filling my claim as soon as i can work out my interest of 8%.I am using the simple spreadsheet supplied by vampire claiming statuatary interest of 8%.This is where im having problems: claim date=is this when i file my claim with moneyclaim? Total claim=Is this the total charges im claiming back? Daily interest rate in pence=is this ,amount of chargesx0.00022? total amounts=help im not sure what to put here? Will the spreadsheet automatically do the sum for me once i input all the information?I am not a whizz kid but am taking it in slowly very slowly.Iwould be grateful for anyones help.Cheers:)