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OdaPacket vs Barclays Bank


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Hello all. :) Time to start my own thread.I have sent my Subject Action Request off (16/10/06) to Barclays for my current account.

 

Sent my S.A.R to this address;

Barclays Data Protection

Radbroke Hall

Knutsford

Cheshire

WA16 9EU

 

I got confirmation of my request within two days saying my info would be with me within 7 to 10 days.So far so good.

 

Got my statements in full today (28/10/06) going back to 05/03/1997.:grin:

 

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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That's a LOT quicker than my S.A.R. response! I would suggest that you limit your claim to the last six years as going back further is - as yet - uncharted territory. It is, of course, up to you ultimately but you could (as I believe victimnomore is doing) starting a separate action in respect the pre six year period.

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Hi........Stick with it Kid and best of luck!......Together we can ensure the return of OUR MONEY from these arrogant Bankers.

'Unity is Strength!'

 

Jendoc

 

 

 

**Moderator Note: Edited due to libelous content.

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Thanks Welshman and Jendoc.I'm going to enjoy the challenge ! MY claim is for the last five and a half years.Before that i havn't got one charge.Then i got a family,a morgage and a pile of debt ! Haha ! Such is life. Will continue to update :)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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I am going along the contractual interest rate path with Barclays Bank.I need advice on which rate to go with ? I have seen several rates on the threads here but no-one seems to agree on which is the right one .They seem to vary between 17% and 24%.Has anyone sucessfully claimed contractual with Barclays yet and if so which rate was used ?Can you point me to a relevant thread ?.Help please ! Thanks Oda :smile:

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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there are lots of threads on contractual rate. Personally I went for the standard 8% to make the claims as straight forward as possible, following the tried and tested route.

JKop Vs Barclays SETTLED

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Jkop V Capital One SETTLED

Jkop V Marbles SETTLED

Jkop V MBNA £422 MCOL

Jkop V Egg SETTLED

Jkop V Cahoot Credit Card SETTLED

Jkop V HSCB £1500 W.I.P!

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Right. After some serious consideration i've decided to go just for charges and 8% if it gets to court.

I don't want to hold the process up any longer and this being my first claim ,i feel i need to farmiliarise myself with the procedure before i tackle something potentially more complicated like contractual interest ,should this go to court.

Posted my prelim request off today for £1,350 .Signed for so i'll count my 14 days from Monday 6th.

Sent it to ;

 

Freepost* RLTA-CSUE-TCHC

Barclays Bank plc

Head Office Customer Relations

1 Churchill Place

London

E14 5HP

 

 

* Optional I paid for my postage .1st class,signed for.The ball is rolling !:)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Hi. I went for Barclays' own rate unauthorised rate of 27.5%. then listed 15.9% as their authorised rate, then finally listed the 8% allowed by the court and will leave it up to the judge to decide which is applicable. Its no more hassle, and will result is alot more money if either higher rate is deemed acceptable. Def. no harm in trying.

If your interested in how I calculated it, interesting links to read about contractual interest and how I worded my claim read this.

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Surely it is too late now Dunnie ? :( I've sent my prelim.Or do you think it possible to word my next letter to include it should they not comply with my current demand ?

 

Your threads make interesting reading.Where were you yesterday when i needed a confidence boost ?!:smile: Oda

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Sorry, don't have time to read all the posts, but stumbled across yours yest so thought I'd contribute.

I didn't mention my pre-six year claim in any of my prelim letters, as I was waiting for the statements. They have failed to send me them, so I added an estimated claim onto my N1 court form. My point is as these things come to light, you can alter your claim. Write them another letter, sticking to your timetable, saying if they don't pay up in full, you intend to charge them the full contractual interest if court becomes a necessity - they never pay up until a hearing date is set, so you'll be in with a chance of getting as higher interest rate.

P.S. if you're using Vampiress' complex spreadsheet, change the interest rate from 8%, then to 15.9% then to 27.5% to see the massive difference it makes. A point to note. Track allocation is decided on the value of the claim BEFORE interest is added, so I'm within the small claims, but the amount I'm asking for is well over this level.

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Letter came today.The standard ;

 

"Sory you are unhappy with the charges you have incurred.....We aim to solve in 4 weeks.....A report or update will be with you in 8 weeks."

 

They also comfirmed receipt of my letter on the 06/11/06,so only 11 days to go !

 

Little short of the 8 weeks they need.I am really enjoying this,gives me a great feeling of wellbeing.

 

Many thanks to all advisers :grin:

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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  • 3 weeks later...

Posted my Letter Before Action today as i have had no positive feedback from Barclays Bank regarding my repayment request.I have allowed 14 days and included a copy of my charge list from the prelim letter for good measure.

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Received an offer today 28/11/06 for £690 as full and final settlement.Have sent a polite rejection letter saying i will accept as partial payment and continue to recover the outstanding balance.

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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Letter today from barclays.

 

They are sorry i am unhappy following their response to my complaint and note that whilst i am accepting the amount offered, i will be seeking the balance through court.

 

As the offer was only a good will gesture as full and final settlement of my complaint,they are unwilling to pay me the sum of £690 as an interim measure.They acknowledge i require the claim settled in full but are not prepared to increase their offer.

 

Should i wish to accept the offer of £690,please sign the acceptance form,if not,it would appear we are unable to reach a mutually acceptable resolution .

 

They appreciate that this is not the response i was hoping for but trust they have fully explained the banks position.

 

Obviously i'm not interested and will proceed as planned.

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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  • 3 weeks later...

N1 filled in and claim filed 14/12/06. :)

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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  • 4 weeks later...

Claim was acknowledged on the 20/12/06.Defence arrived today with an allocation questionaire.I have filled this in and gone to the court today to hand it in.I am currently on incapacity benefit so i filled in an x160 form to get an exemption for the £100 fee.

 

I have been very busy of late and apologise for not keeping my thread up to date :) Oda

 

Yorkshire Bank:S.A.R sent 16/10/06;Confirmation 10/11/06, ;Statements received in full 14/11/06;Prelim sent 21/11/06 for £3,643.;22/11/06 prelim aknowledged,repayment refused.Claim flled

 

Yorkshire Bank Visa:S.A.R sent 16/10/06;Confirmation 10/11/06 as above.;S.A.R. reminder sent 15/11/06

 

Barclays Bank:S.A.R sent 16/10/06 ;Statements received in full 28/10/06 ;Prelim sent 04/11/06 for £1,350; 06/11/06 confirmation of prelim ,investigating claim.;L.B.A sent 24/11/06,Claim filed

 

Barclaycard:S.A.R sent 16/10/06 ;Partial statements received 18/10/06 back to 01/05/04.Sent reminder letter 21/10/06.Received second fob off letter 25/10/06;Estimated missing statements/sent prelim for £1,701.28 14/11/06 (contractual interest)LBA sent

 

Halifax: ; S.A.R sent 16/10/06;Reminder sent 15/11/06;Statements received in full 20/22/06;

 

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