Trucker v Barclays **WON**

[Trucker]

Hi All.... I am new to this site and stumbled across it as a consequence of a disagreement between me and my bank.

 

As a result i now wish to reclaim all charges made against my account for the past 2 years (only had this account 2 years), however this time last year i over run my overdraft by a considerable margin. The bank did nothing to stop me, in fact they seemed quite happy to charge me £75 p/m. It wasn't until September that i contacted the Bank to get the situation sorted and went onto a overdraft reduction scheme, which finishes early next month. Can i claim charges back despite the fact that i knew i was over my overdraft limit? As i said the bank just carried on collecting fees. They never attempted to contact me apart from the standard charge letter that is sent out. All contact was instigated by me.

 

Would be grateful for some thoughts.

 

I have not as yet explored the entire site and wonder if there are template letters that i can use to start the ball rolling??

 

Thanks in advance

 

 

[jonni2bad]

Hi and welcome to the forums.

 

It seems from your questions that you have not yet read through the Frequently Asked Questions (FAQs) which is an absolute must.

 

Spend a day or two going through those, as well as the "Case Guidance Notes" etc. You will find them invaluable, and you need to do this in order to grasp the implications of the task that lies ahead of you......

 

Once you have done this, if you still have any unanswered questions, then post them here and they will be resolved in no time....

 

Many people here could easily answer those questions, but it really is vital to do some of the groundwork yourself. On the plus side, the benefits of a little hard work will hopefully result in a nice refund of those charges in the months ahead.

 

Good luck..!!!

[Trucker]

+Hi All

 

I am just about ready to start on the road to reclaiming unlawful fees against my account(s).

 

I do have 1 question though, that i couldn't find the answer to in the faq section.

 

One of the accounts that i wish to reclaim fees from was a joint account that was closed in 2005 following divorce. The account only needed the authority of either signature. Will the fact that i am now divorced hinder in any way the access to data or pursuit of the claim without consent from my former wife ?

 

Trucker

[essjaysea]

If it is an "either signature" account, you should be ok. Try sending a DPA request and see how they react.

[Trucker]

Thanks for that.

 

I am also claiming for my own current account. Would you send 2 seperate DPA requests or just include both accounts on the 1 letter.

[Trucker]

I will be compiling DPA request later this evening ready for posting tomorrow. Should i send this recorded delivery?

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

[Michael Browne]

I am also claiming for my own current account. Would you send 2 seperate DPA requests or just include both accounts on the 1 letter.

1 DPA request + 1 £10 fee, mention both a/c no's.

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

You can combine the if the total is less than £5000

[jules is saving]

I will be compiling DPA request later this evening ready for posting tomorrow. Should i send this recorded delivery?

 

Looking a bit further forward should i make 2 seperate claims for the 2 accounts or just bundle them into a single claim?

 

 

Given that banks can be a bit devious, I tend to take the line of 'safe rather than sorry'. For the xtra 70ish pence it's probably worth sending recorded, then, if they don't provide info within 40 days you will be able to prove they received your request. As I live within a few minutes walk of my local branch, I hand delivered all of my correspondence and got the cashier to sign and stamp a receipt for me.

 

Good luck with it all

 

Jules

[Trucker]

As I live within a few minutes walk of my local branch, I hand delivered all of my correspondence and got the cashier to sign and stamp a receipt for me.

 

 

I never thought of just taking correspondense to the branch. Could this be done for everything, including the court papers etc.

[Trucker]

Probably another stupid question but hey i am trying.

 

Who and where do i address the DPA letter to. Have found several names and 2 different addresses, 1 in Cheshire and 1 in London.

[dar£n]

I never thought of just taking correspondense to the branch. Could this be done for everything, including the court papers etc.

Any thing to do with your bank can be transferred on their internal mail, but as 'Jules' states ALWAYS get a receipt saying who accepted it and when.

dont give them any room to delay any further than they already do..

Good Luck

[dar£n]

where do i address the DPA letter to. Have found several names and 2 different addresses, 1 in Cheshire and 1 in London.

 

I sent mine to my own branch who forwarded it to Customer Services Leicestershire LE87 2BB.

 

Another addy is Churchill Place, London

see here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html?garpg=4

[juliehazel]

I noticed from another post (sorry, can't remember who) that they had a problem when it came to sending in the bailifs as they had used the customers services address in Leicester which is a P.O. Box. For that reason, it may be better to use the Head Office address in London.

 

Jules

[Trucker]

Well here we go. DPA letter written and ready to post. The clock is ticking.

 

Will update when i got something to report

[Trucker]

Hi All

 

Been doing a lot of reading of other threads and research into the whole process. But one thing is puzzling me. Why is the interest removed from the original spreadsheet that you send to Barclays? Surely you want to claim this from the outset.

 

Trucker

[Trucker]

Hi All

 

Been doing a lot of reading of other threads and research into the whole process. But one thing is puzzling me. Why is the interest removed from the original spreadsheet that you send to Barclays? Surely you want to claim this from the outset.

 

Trucker

can no one help me out?

[debpye]

Please advise!!!

 

Before Xmas, I got upto the letter before action stage.

(Sent the letter and gave them 14 days to reply). As life never runs smooth - a family crisis evolved and the bank charges got left.

It is now 5 months later and I now have the time to deal with it again.

Please advise where I would start from now.

 

A financially desperate housewife!!!! LOL As we all are!!!!

[Trucker]

you need to start court action

[dar£n]

deb [sorry to invade your thread Trucker]

I think it is safe to say that you have given Barclays enough time to respond.

You could start the ball rolling again by sending a polite letter saying you feel that Barclays have had ample time to review your claims and due to the lack of response from them you have no option but to pursue the matter through the small claims court.

This way hopefully you will get an answer from them even though it will prob be a pathetic offer saying they are inundated at the moment blah blah blah, to which you will obv accept and continue to the MCOL stage.

hope things. are looking a bit better for you now.

good luck

 

oh and you might want to start your own thread too.

[dar£n]

Why is the interest removed from the original spreadsheet that you send to Barclays?

 

Hi Trucker, back on to you.

I have wondered this too, but I think it is because initially you are making Barclays aware that you are aware of the amount they have borrowed from your account and want it back [in a polite way], then when they get shirty and say 'Ha get lost' you turn nasty and say right 'you had your chance' im gonna slap the interest accrued too.

 

My opinion, prob way off the mark but no doubt one of the big boys on here will set you straight soon

[Trucker]

Has anyone seen the article at the Mail online website.?

 

http://www.mailonsunday.co.uk/pages/dmstandard/frame.html?in_bottom=http%3A%2F%2Fwww.thisismoney.co.uk%2Fcampaigns%2Fbankcharges%2Farticle.html%3Fin_article_id%3D418279%26in_page_id%3D507%26ct%3D5

 

 

They are a joke.

[welshcakes]

I'm thinking of renaming my car.

 

From henceforth (as far as I am concerned and I don't see why I should inform anyone else it might affect) it will be known as my mobile armchair.

 

I am self proclaimed exempt from any reasoning or legalities that the rest of the UK recognise as valid and fair. Never again will I have to worry about road tax, insurance or a valid MOT and can entirely ignore parking restriction, the Highway Code and speeding tickets.

[Trucker]

Should have thought of that when i got stopped by the boys in blue last night....lol

[princessblack]

i am jsut wondering whether this new wording means that we cannot claim anymore because of it:confused:

[kippy2]

i am jsut wondering whether this new wording means that we cannot claim anymore because of it:confused:

 

still a penalty however much they try to reword it