Jump to content


  • Tweets

  • Posts

    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Barclays Claim-Received "I'm sorry" letter. What now?


lkjmn
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6396 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there,

 

This is my first post on this or any other forum and I'm hoping I'm posting in the correct place.

 

Here are the details of my progress:

 

Requested copy statements 12/9/2006. Had my £10 cheque returned with my statments which I recieved 27/9/2006.

 

Sent Initial request for full reimbursement of unfair charges plus interest on 28/9/2006. Total charges £2095 plus 204.29 interest. Used the template letters and the spreadsheet found on this site. (Great help, wouldn't know where to start otherwise). I gave the Bank 14 days from the letter date to reply "positively". Meaning I must send the second letter on the 12/10/2006 (I have it circled on my calendar).

 

6/10/2006 received letter from Mike Brophy at Barclays saying, "I am sorry you are unhappy with the charges etc.........We will endeavour to get back to you in the timescale you stated (i.e. two weeks) but cant guarantee it. We aim to find a solution within 4 weeks but if we are unable to do so, we will write to you explaining what is happening. A full report or an update on our progress will be sent to you within 8 weeks. There was a leaflet enclosed and also a telephone number to call if I wanted to discuss the matter.

 

So that's the state of play at the moment. I won't be calling them. I know blueskies had some success doing so but that's not for me. More of the strong silent type. I will be sending the second letter this Thursday 12/10/2006. Is this the correct course of action? Reading other threads, the best advice seems to be to ignore the Banks "fobbing off" letter and proceed with the claim in the timescale outlined by me.

 

Any advice would be greatly appreciated

Link to post
Share on other sites

Hi, i recived the same latter from mike today...(he must be signing a whole lot of those :D ) i sent off my letter before action letter last week and thats the response i received.

 

Basically...thats there problem if they are going to take 8 weeks. Im keeping to my timescale (14 days from date of LBA letter), which means in my case they have untill 20th oct to settle. If not (which i doubt they will) i will be filling out my money claim online form.

 

You seem to be on the right track.

 

they have 14 days to respond to initial request to pay up....if they fail

send them letter before action (14 days to respond)

if they still fail....start your court claim

 

hope that helps

 

Harriet:)

Link to post
Share on other sites

Do I sent the interst calculation with the LBA? And why should I have not sent it with my first letter? Bit late now I suppose.Oops

 

 

you cant claim the 8% standard interest until the MCol stage. You can however claim contractual interest on you first letter.

Link to post
Share on other sites

Darn it!! I really wanted to look like I knew what I was doing to. Should have started posting on here earlier methinks. So, send LBA tomorrow with schedule of charges but no interest. By the way, contractual interest?

Link to post
Share on other sites

IMHO its very complicated (its basically reclaiming the interest they charged you whilst overdrawn, then working out the %age of that amount that was caused by thier unlawful charges) then you have to work out thier rate, when it was incurred and for what period of time etc etc. I would stick to statuatory interest (8%) but it is up to you!

Link to post
Share on other sites

Hi Y'all, just about to send my LBA. Here is what I wrote:

 

Thank you for your letter dated the 4 October 2006. However, the amount of time that you are requesting in order to review my case is not satisfactory.

As stated in my previous letter. I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £2,095.00 in ”paid referral” and “unpaid outs” fees

.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 28 September 2006

 

I require repayment in full of this money and If you do not comply fully within 14 days (by the 27/10/2006) then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

So, is that okay? Will be sending it lunch time special delivery. Should I make any changes/additions before it goes?

Link to post
Share on other sites

Why is the font shrinking on my last post. Weird. Anyway thanks Thai you've been a great help so far. Hopefully should have some good news within the next couple of weeks. Or I'll be asking you for help on how to fill in the moneyclaim forms. Heh.

 

Don't know about the font?! Barclays are sh*ts and I'm 99% sure you'll have to MCOL thier ass*s, you'll get all the help you need and thats when you can claim all that loverly interest:lol:

Link to post
Share on other sites

Re "shrinking font"

 

It's because, I assume, you copied and pasted the text from somewhere else on your computer - and it copied the font style along with the text.

 

If you want to avoid this, simply highlight the text and click the "Remove Text Formatting" icon at the top left of the reply box. Or, for full control over the font, click the "Go Advanced" button and you can choose your font and size preferences. (standard is Verdana Size 2)

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.

Link to post
Share on other sites

Thanks Victimnomore. You were correct in your assumption. I did cut and paste from word. Although I don't think I'll change it. I quite like the thought of people getting closer and closer to the screen as read my post. lol

Link to post
Share on other sites

Oh,

do

you

now?

But, of course,

you can take it too far you know!!!!!!

he he he he

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.

Link to post
Share on other sites

  • 2 weeks later...

Still no word from the Bank. Am I right thinking that I don't have to contact them again? I said in my last letter that court proceedings would commence on the 27.10.2006. Should I write again saying that I have started the court proceedings? Seems like it would show weakness/hesitance on my part if I did.

Link to post
Share on other sites

Well whadya know. Get home from work on Friday evening and there's a letter waiting from barclays, it reads:

 

May I say how sorry I am to learn that you feel the bank charges you have incurred are unfair. In your carrespondence you have referred to elements which you feel support your claim. Barclays is aware of the information you have drawn to our attention. I must inform you, however, that we disagree with your view.

 

When an account is opened with us, our customer is provided with a copy of the Term and conditions relating to the use of their account; including details of our charges. This information clearly explains our obligations to our customers, as well as their obligation to us. If we make any changes to that Terms and conditions, we provide details of these changes to our customers in line with the banking code. Details of our terms and conditions, along with our charging tariff, can be obtained at any of our branches, or via our internet site.

 

Despite my comments above in relation to your views, on this occasion, and without any admissions of liability, I am willing to offer the sum of £720 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. If you would like to accept my offer please sign and return the enclosed form in the pre-paid envelope provided. I will arrange for the payment to be credited direct to your account within seven working days of receipt of your acceptance at this office.

 

If you wish to discuss this letter, or if you feel there are further iisues I need consider, please contact me on...........If you are dissatisfied with my proposal for resolving your complaint you may ultimately be eligible to refer to the Financial Ombudsman Service.

 

The leaflet sent with our letter 2/10/06 explains our complaints process and provides details regarding the Financial Ombudsman Service.

 

In accordance with our standard practice, If I do not hear from you contrary within eight weeks from the date of this letter, I shall assume that your complaint is resolved and close my file.

 

Yours

 

 

Katie Tyrie

 

One small problem though. I've already filed my MCOL, Ooops. I did it friday afternoon. I wouldn't have accepted the offer anyway but would have taken it as part settlement.

 

So what now? Do I have to contact them again? They'll be notified by the court that I'm proceeding with my claim for the full amount so maybe a letter from me saying "thanks, but no thanks"?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...