Jump to content



  • Tweets

  • Posts

    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • you wont get eric and that doesn't solve your problem as thats mainly to do with private parking set asides really as most judges now view PPC Backdoor CCJ with dissent and grant it regardless.    i absolutely hate link and paul burrell he built up a £1B+ empire of wealth solely by conning debtors into paying debts they mostly didn't even owe, but in this instance you are on very shaky ground.   me pers i'd not even debated it and i'd just gone for it win or bust. once you get the set aside it should be plain sailing.   but you came for advice and i can't not be truthful here.   the only otherway to better gauge you chances is to SAR Barclaycard , get everything they hold. that will show you the cards that Link will have to play with , they might well be pants.      
    • I have read everything about these cowboys but need a little advice. I was issued my fine on 9/12/19 but only received a dated letter on 11/01/20.   Ive had all the threatening letters from DRP and now Zenith and ignored them all. My wife was driving our car but yet its my dad who's getting all the letters as he's the registered owner. They managed to get my number and rang me today, I busted them for being the same company but the guy on the phone was super aggressive. I said to him Ive spoken to Trading Standards and they told me by law a ticket has to be issued within 14 days of the offence. But as you can see it was over a month, I said this to the aggressive dude on the phone who actually knew way to much about parking fines. So I think they are actually under the same umbrella as VCS also.   He was firing back that the law doesn't state that and I should look at 2012 laws or something and the DVLA, and it takes time to get my details from the DVLA to issue my charge????   Does this mean anything to anyone pls Regards   Stuart
    • Thanks to both of you, I've PM'd Ericsbrother.   dx - I wonder if you would be able to suggest a couple of hypothetical basic defences that you think would be valid  (just to see if it sparks any thoughts of a different approach I could take)?
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Clued up Girl Vs Barclays


Please note that this topic has not had any new posts for the last 4780 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I hope I am not premature in saying thank you, but I am doing this bank charge refund thing for my boyfriend & his brother.(boys are the worst!) I sent the first template letter to obtain a copy of all charges, with a cheque for £10 as advised. The bank returned the cheque, saying that my copies will follow & the £10 charge would be waived on this occasion! Guilty, me thinks!

Will let you know what happens next....isn't this exciting?!

 

I will definitely be donating to this site, the advice has been fantastic. Maybe everyone that is willing to pay the £10 for copy statements & has it returned could donate it to the site instead? Just a thought. ;) X

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites
  • Replies 72
  • Created
  • Last Reply

Top Posters In This Topic

Hi Clued

 

Sounds like you are doing fine so far and a VERY good Idea for the £10 and I know the site staff would be very gratful for any donation.

 

I know the HSBC do return the £10 but dont think many others have done this.

 

Start a thread in your banks forum and keep us updated on how you are doing and so others can help support you if needed:)

 

Good luck.

 

Welly;)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

Link to post
Share on other sites
  • 4 weeks later...

Hi Everyone,

 

It is 40 days today that I have waited for my copy statements to arrive from Barclays. THEY'RE NOT HERE! Is it 40 working or actual days that I must wait?

It says in the FAQ to report them for breach, but wanted to check I wasn't being too hasty? Don't really want to phone them as I understand they are RUDE and I'm sure they will put it to the bottom of the pile. Also I'm doing all this on behalf of my very busy boyfriend (he's giving me half, so I can't complain!) so they won't talk to me anyway!

 

Appreciate any advice on this guys, thanks.

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites
Hi Everyone,

 

It is 40 days today that I have waited for my copy statements to arrive from Barclays. THEY'RE NOT HERE! Is it 40 working or actual days that I must wait?

It says in the FAQ to report them for breach, but wanted to check I wasn't being too hasty? Don't really want to phone them as I understand they are RUDE and I'm sure they will put it to the bottom of the pile. Also I'm doing all this on behalf of my very busy boyfriend (he's giving me half, so I can't complain!) so they won't talk to me anyway!

 

Appreciate any advice on this guys, thanks.

 

No its 40 calener days so they are in breech. you can ring them and ask them where they are also inform them you will report them to the information commissioner or use the courts to enforce compliance.:D

  • Confused 1

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Link to post
Share on other sites

Have looked everywhere in FAQs - who do I ring to chase up my late statements? Don't want to be ringing around, not speaking to the correct people. Anyone got a number please? - that works???! (for Barclays)

;)

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

hi there, yes a really useful number is peter townsend at data protection at barclays, 01565 614000 ask for peter townsend or data protection, as its your other halfs account you may needhim to ring and give permission for you to speak on his behalf but its worth a try first off - i think mr townsend was really helpful with my request so who knows!

Link to post
Share on other sites

Ring them in the morning.. Once they realise they've gone over, they'll send the statements by overnight courier ;)

15/08 - Premilinary letter sent to Barclays - £2565

 

29/08 - No response to Preliminary letter. Sent Letter Before Action

Link to post
Share on other sites

Thanks for the advice, just called them explaining I am acting on behalf of Mr X (made it sound like i'm legally clued up!) that the date has now passed and if the statements aren't here asap, I will reporting them to info comm.for breach.

 

The lady took all his details, said she would now fast-track the request & they will be sent out tomorrow!!!! Hooray, at last some progress, I'm SOOOOOO prepared for the next stages, (had 41 days of reading this site!) just need these statements to proceed.

 

Will keep you posted guys, thanks again for your help.

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

great news! hopefully you will have them tommorow or sat at latest, might be worth ringing again tommorow if you have nothing and threathen them with the info commisioner!

Although hopefully tommorow you will be totting it all up and getting the pelim in the post!

Sharon

Link to post
Share on other sites
  • 1 month later...

:) Hi everyone, I began this process a while back, but due to a holiday and moving house it all got a bit delayed. I'm on the case now.

 

After Barclays returning my cheque for £10 and my postman nearly dying under the weight of statements received daily for 4 days, I am now claiming £ 1910.00 back in charges on 2 accounts for my partner as he says I'm better at these things (he really doesn't have the time & thinks a pc is something to do with the Police! bless!)

 

I have entered the charges on to the spreadsheet as advised. I have included the 8% interest on the schedule, however I have made it clear that I am not claiming this money at this stage. I put TOTAL AMOUNT BEING CLAIMED next to the total of charges (not next to the other amount inc interest)

 

IS THIS OK? I really don't want to have to type it all out again as I didn't save the details of the 1st account's charges, just printed it out & photocopied it loads!

**Please can someone let me know asap as I want to send this off tonight.**

 

Thank you X

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites
:) Hi everyone, I began this process a while back, but due to a holiday and moving house it all got a bit delayed. I'm on the case now.

 

After Barclays returning my cheque for £10 and my postman nearly dying under the weight of statements recieved daily for 4 days, I am now claiming £ 1910.00 back in charges on 2 accounts for my partner as he says I'm better at these things (he really doesn't have the time & thinks a pc is something to do with the Police! bless!)

 

I have entered the charges on to the spreadsheet as advised. I have included the 8% interest on the schedule, however I have made it clear that I am not claiming this money at this stage. I put TOTAL AMOUNT BEING CLAIMED next to the total of charges (not next to the other amount inc interest)

 

IS THIS OK? I really don't want to have to type it all out again as I didn't save the details of the 1st account's charges, just printed it out & photocopied it loads!

**Please can someone let me know asap as I want to send this off tonight.**

 

Thank you X

 

Ok that should be fine but please follow the set process from now on.:D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Link to post
Share on other sites

I've changed my mind & redone the spreadsheets, think it's best to start as I mean to go on, properly!

Ok that's it, here we go on the long road to refund, prelim letter has been posted today. Will keep you all posted on my progress, thank u to the site for your help so far.

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites
I've changed my mind & redone the spreadsheets, think it's best to start as I mean to go on, properly!

Ok that's it, here we go on the long road to refund, prelim letter has been posted today. Will keep you all posted on my progress, thank u to the site for your help so far.

 

Best of luck, Hopefully a nice chq in time for crimbo:D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Link to post
Share on other sites
  • 1 month later...

Hello, I am at the stage when I am filling in MCOL but I have fallen at the 1st hurdle! Can anyone please direct me to how to complete a MCOL, where to find things like "claim description". Sorry, I know I must sound like yet another desperate, panicking person, but I have used your advise on this site up until now with no probs, but I am getting stuck with this.

Don't need step by step, just where to find info.

THANK U THANK U THANK U (in advance) xxx

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

Hi clued up girl

 

Have a look a t this and see if it helps. If the link does not work find it in library

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Good luck

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites

Thank you that link was perfect, however....

Aaaaggghhh, this really isn't making sense, after following the guidelines on this site, I was sure that at every stage including the LBA, I wasn't to include the o'draft interest in my correspondence. Now when I go to make a MCOL, it says if I haven't claimed o'draft interest, I have to remedy this???? V Confused now? What have I missed?

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

Its oj dont worry. You dont add interest till court stage. So all letters inc LBA should not have interest included.

 

In the library you will frin a spreadsheet that you can use in order to calculate your interest and then you can use that for mocl

 

hope that helps, good luck

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites

Thank you, I have already calculated all interest but by reading that link, I was worried as I thought I had to tell the bank that I was claiming this interest in writing, before I do! Very confusing wording! Sorry, panic over phew!

Thanks again x

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

Your welcome, and good luck, let me know how you get on, be happy!

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

Link to post
Share on other sites
  • 3 weeks later...

Hi everyone,

 

I am filling in the N1 Claim form and I need to ask a couple of questions please;

1) I am attaching the "simple" charges spreadsheet, is this the correct one or should i use advanced one?

 

2) I am getting totally confused at the section "value" with regards to Interest under S.69 county courts act, please can someone help me with this asap? I'm really lost, looked everywhere.

Thank you

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

Thank you for your quick response. What is confusing me is where it says to quote;

charges - this is obvious

overdraft interest - this is total amount of interest on charges.

Interest under s69 - how does this differ from overdraft interest? How do I work it out, is there a formula?

 

God, you wouldn't believe I have a degree would you???!!! Hope this isn't too obvious! Thank you.

"First they ignore you, then they laugh at you, then they fight you, then you WIN" Mahatma Gandhi.:D

Link to post
Share on other sites

Clued, be calm and do not be in a rush. You could make a mistake if you are in a rush.

 

Firstly, the basic spreadsheet is already prepared with all calculations for you. All you have to do is to input all applicable charges you are claiming and the total will be displayed automatically. You do not need to input any formula on the spreadsheet.

Secondly, notice that the total shows amount and interest separately. Enter the total amount and interest in the appropriate section within the 'Particulars of Claim' in your N1 form.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...