Jump to content

  • Tweets

  • Posts

    • No Cabot has made up a false debt at another bank account debt to try to force me to court as they had failed on a previous debt. I think they are trying to say my old debt is not statute barred. This is dirty tactics.
    • The site has a drop down for different postal services, implying the exclusions are based on the service you use, yet when you select different services the exclusions appear to remain the same, and certainly in the case of Parcelforce do not tally with the cover included by Parcelforce.   My P2G account still shows the declaration I made.
    • Finally go  a little time to myself, so knocked the defence from your given examples. How does it look?   1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974. They have sent an alleged copy dated 28th Jan 2018 from my cpr31.14 request. this is the first time I have seen this letter.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   If you think it's okay, I'll get it put in today.    Thank you for all your help on this. 
    • Is there a defence against the argument Royal Mail say there is no contract, and they are immune from tort and therefore cannot be sued?    
  • Our picks


Barclays Additions packaged account fees - Success!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1698 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

Just in case anyone is interested -


I had an Additions account from the end of 1998. I was told that this was the account I had to have when I finished my studies and was no longer a student.


Unluckily for Barclays, I kept ALL my statements!


So when I heard about reclaiming charges, I added it all up and sent in a form.


No arguments - they paid me back all the fees plus 8% interest per year, even though the account has been closed for a couple of years.


I also sent in a claim for the Overdraft PPI that I was charged for many years. Got that back too!


Good luck to anyone else reclaiming. Just thought a success story may be useful to hear :)

Share this post

Link to post
Share on other sites

Well done on the PPI – but I suppose that was to be expected.


The charges however, that is a surprise and very well done.


What was the basis for them refunding the charges?

Share this post

Link to post
Share on other sites

When I was finished being a student I obviously couldn't keep my "student account" with them, so went into Branch and they told me I needed an Additions Account. I had no clue so said yes, fine, you're the expert. I just assumed account fees were normal and didn't realise I could have a free account.


I then had various calls over the years to see if they could find a better account for me, which always ended with them saying "no, nothing better, the Additions is right for you". Because of this I had never tried to cancel it - I just thought that paying an account fee every month was what you did.


When I sent in my forms I explained this, and they agreed that I should have been offered a free account as none of the "perks" of the Additions account were any use to me.


And that was it. One form to them, and a letter and cheque back.

Share this post

Link to post
Share on other sites

Very pleased to hear this. Well done.

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -


2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS




Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



Share this post

Link to post
Share on other sites

They had already paid me back for PPI on I think 5 loans and a mortgage - none of which I knew I'd had until I SAR'd them. I'd never wanted or requested PPI on anything. I wonder if that made a difference, as they'd already admitted mis-selling on all of those?


The Overdraft PPI was a shot in the dark - I wasn't sure if it would work the same as for loan etc PPI, obviously it does...


The only one I had trouble with was PPI on a Masterloan (Barclaycard loan) as they said that they had no records of it - when questioned, they said that Masterloan records are not kept in the same way as Barclays records, so although one of the PPI refunds was on an older loan, they couldn't help - different systems.


I was annoyed about this, as I didn't have the original loan agreement, but I did have statements showing loan in, monthly repayments, and final payment. They said they still couldn't calculate it and offered me a goodwill payment of much less than I had calculated.


I sent a complaint to the FOS, and interestingly, after 2 years, they have now found the original agreement and will shortly be making an offer. Of the full amount that I thought they owed... plus an extra 2 years of 8%...


So to anyone being messed about by them - sometimes it's easy, sometimes they lie. But keep going! And good luck :)

Share this post

Link to post
Share on other sites

OK, I understand. You means for a packaged account - not overdraft charges.


Well done

Share this post

Link to post
Share on other sites

Oh I'm sorry! Yes, packaged account fees. And PPI on the overdraft.


I didn't have enough overdraft charges to make it worth trying to reclaim those.


Sorry again for not being clear :)

Share this post

Link to post
Share on other sites

Hi Galatea,


Well done and this is excellent news re the Additions Fees.


We've always told folk to challenge them by Barclays tended to only refund 1 or 2 years fees max !!


They've had to reconsider in light of the the current focus on reclaiming for Packaged Accounts.



We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING



                                            Have we helped you ...?  Please Donate button to the Consumer Action Group


Please give something if you can. We all give our time free of charge but the site has bills to pay.


Thanks !:-)

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...