Madcelts Vs Barclays - Wedding Fund!!!

[madcelts]

After spending far too much time here reading everything, I've sent my request & cheque for a list of charges last week, and awaiting confirmation and receipt of them. Meantime, I've just read on Martin's MSE site that this morning that someone had gone into Barclays, asked for a list of charges, and mentioned she'd be prepared to leave Barclays after 15yrs with them. A week later she received a letter refunding the full amount. So I'm going to pop in at lunchtime, can't hurt to try

 

Will let you know how I get on. And no doubt abusing your knowledge from time to time.

 

As from the title, I'm hoping this will be concluded within 11months, enabling us to have the wedding we really want!!!

[TANZARELLI]

Hi Madcelts

 

I'm sure that it will be sorted way before that, just keep to your timetable.

 

Perhaps you could invite someone from your local friendly neighbourhood Barclays Branch to come and have a drink with you at the reception. Tell them they need to bring their cheque book though as you will be charging the bar bill to them. LOL:)

 

Tanz

[fallen7682]

We hoped the same. We started our battle against barclays in july hoping we would be the money before our wedding end of december but just got a court date for march next year!! How annoying, it's my money they have and they can do as they please with it. Good luck for getting yours before your wedding.

[madcelts]

Thanks guys, fingers crossed.

 

Fallen - that's a bit of a nightmare, but at least it means you've got money for a second honeymoon when you finally get it

[madcelts]

And we're off.........

 

Mr Townsend sent me a personalised letter which I received this evening, stating 'waffle waffle blah blah... we will send you your statements within the next few weeks.' Why not just give me my money now, save all this dancing around .

 

Do you think my bride-to-be will let me have pole dancers at either side of the top table, as long as I pay for them with my to-be-newly-acquired-cheque?

[madcelts]

Well there goes my well earned relaxing weekend, my statements have arrived. Oh well, the trawling begins . Lets find out how much money I could be getting back....

[madcelts]

Well amount tallied, spreadsheet put together, and Preliminary letter put together, attached alongside an interest-free version of the spreadsheet. Sending recorded delivery this morning. My question to you, "14 days to respond"...are we talking working days or are we including weekends and bank holidays? I'm sending it today, so when do I send my next letter?

[madcelts]

oh poo poo. I've just read a thread saying that Barclays are asking that an overdraft is paid back in full. Mine is for £1600, which I don't have, and would be just about covered by my claim when I get paid it.

 

Can they ask for it back while I'm in this process? Any suggestions?

[Ropey]

Unlike the bank, you should work in real days. Your claim your timescale. 4th December, send off your LBA.

 

I'm in very much the same situation as you. I think, reading other posts, that Barclays are calling in unagreed overdrafts. Mine ( and I assume yours) is agreed. They'd have a difficult time. If they do, point out that you are in dispute over the account and it is a breach of the banking code of practice to close an account in those circumstances. There are a few really good letters on this.

 

If you make an agreement to pay off your overdraft at the amount you can afford and stick to the payments, there's little they can do.

[Welshman]

They do not, as a general rule, do that. there may be other factors in the other persons' account which we are unaware of which has forced the banks' hand.

 

Interfering with the account whilst it is in dispute (which yours is) goes against the Banking code but that is why it is stressed in the FAQ's that a parachute account should be opened.

[madcelts]

That's great, thanks for that guys, I could see my bonus wedding fund disappearing then . Working in real days is the answer I'd hope you give. Thanks!

[madcelts]

LBA has been actioned, and sent. Currently preparing for my MCOL form. Can someone help me with these assumptions, just to make sure I'm right;

1) You need to pay £120 to make a claim with the court

2) You don't include this in your list of charges you are claiming for

3) You do include the interest of 8% as well as a daily charge from the moment you issue the claim

4) How do you send the charges when you MCOL online?

5) The bank won't have a copy of the charges WITH interest claimed at this point.

 

Can anyone help with any of these questions?

 

Thanks in advance!

[Ropey]

I don't know too much about the MCOL bits, I'll be walking to the court with my poor little Scottish forms . The assumptions you make seem to be bang on though.

 

Good news that you are progressing well.

[madcelts]

Barclays kindly offered me a sum of half (better than expected) a day or two before I made my MCOL. Now I'm about to send the rejection of settlement letter to them, and give them 7 days to reply (out of the kindness of my heart) and offer me the full amount. Then I'll do the MCOL, can someone please answer my questions above just to make sure I'm not making any incorrect assumptions.

 

Thanks in advance (I hope!)

[corwood]

hi guys

 

Whats an LBA again ive searched in the FAQ's but to no avail??!!!

 

I started reading all this back in October and got the gist but my middle name is goldfish!! Also can anyone tell me where to find the timetable or supply me with a link please.

Regards

[corwood]

Hi again

 

Also when i send off my calculations asking for my money shall i send them the spreadsheet with the 8% interest added on just so they can see the full amount but just ask them for the standard amount.

Cheers

[dickeggsy]

everything you need is in the Bank Templates Library not the FAQ section,a little bit down from FAQ's.

have a quick look it should have everything you need.

good luck:)

[madcelts]

Ok guys and girls, I'm ready to do my MCOL but I have two questions I need answering first.

1) I sent a list of my bank charges to the bank however I did not add the interest as I understood that you can't do this until you claim with the court. However, I've just read that I shouldn't do my MCOL until the bank have a copy of the charges with interest???

To give a bit more info, I used one of the spreadsheet (Simple Version) which calculated the interest for me, I then left the interest off the print out, and send the bank only the charges that I was claiming for. I thought that you only added on the interest when you complete the MCOL, and you entered the calculated interest or 8%, as well as the daily amount. Can someone please tell me where I have gone wrong and how to rectify, assuming that I have gone wrong.

2) At which point do I claim for the MCOL fee back from the bank?

A quick response would be really really appreciated!

[madcelts]

HELP!!! This is holding me up, and driving me nuts. When I originally sent the charges with the LBA etc it was just the charges, no mention of overdraft interest which currently holds to be about £300. Now when I go to do the court claim, it states not to apply until I'd sent the charges and interest to the bank. I didn't read that I was meant to be including this interest.

 

Then when you submit your claim to the court, you add 8% on, which is fine.

 

Can someone...anyone!!!.. please advise.

 

Am I right in thinking that I should've been claiming charges plus £300 overdraft interest plus 8% when submit claim to court? Have I messed up the overdraft interest? If so, is it salvagable?

 

REALLY need someone's help on this.

 

(Oh if anyone can tell me how to change the title of my thread that would be great)

[Laineybelle]

Hi,

 

Been reading your thread but not sure how much I can help.

 

As far as I see it your LBA states the amount you are owed and also had a space there to put how much interest was on the charges you are claiming for so if that is the letter you sent then I think you have told them how much interest you are claiming they just haven't received a breakdown of the interest yet.

 

Therefore I can't see why you can't get on with putting your claim in and if done by MCOL you then send copies with your spreadsheet including the interest, one to the court and one to Barclays.

 

Re. The info on what to put on the MCOL in the library covers about your court costs. It should be mentioned on the claim now.

 

Hope it helps

Laineybelle

[Welshman]

HELP!!! This is holding me up, and driving me nuts. When I originally sent the charges with the LBA etc it was just the charges, no mention of overdraft interest which currently holds to be about £300. Now when I go to do the court claim, it states not to apply until I'd sent the charges and interest to the bank. I didn't read that I was meant to be including this interest. Don't panic. The 8% interest kicks in when you file at MCOL or your local Court. When you file with the Court, send a copy of your schedule, this time WITH the 8% added, to MCOL, and the bank at the Churchill Place address. Quote the Claim number with an explanatory note with the one to MCOL, and amend the Claim number with the reference number from the letter the bank have been sending in the note and schedule sent to them.

 

Then when you submit your claim to the court, you add 8% on, which is fine.

 

Can someone...anyone!!!.. please advise.

 

Am I right in thinking that I should've been claiming charges plus £300 overdraft interest plus 8% when submit claim to court? Have I messed up the overdraft interest? If so, is it salvagable? You have not messed up - don't panic Mr Mannering!

 

REALLY need someone's help on this.

 

(Oh if anyone can tell me how to change the title of my thread that would be great)

Good Luck

[madcelts]

But Sir! I've completed the N1 instead, I've sent 3 copies to the court, (kept a fourth myself), attached charges (+ 8% interest) to all of them. So as yet I don't have a claim number, I'm assuming I'll receive one in the near future? When this happens, do I then need to send a copy of the schedule (+8%) to my kind helpful bank?

 

Pte. Madcelts

[Welshman]

But Sir! I've completed the N1 instead, I've sent 3 copies to the court, (kept a fourth myself), attached charges (+ 8% interest) to all of them. So as yet I don't have a claim number, I'm assuming I'll receive one in the near future? When this happens, do I then need to send a copy of the schedule (+8%) to my kind helpful bank?

 

Pte. Madcelts

 

Yes, I did, but you don't have to wait for the Claim number from the Court before sending to the bank. Use the reference number they have been giving at the to of their letters to you.

[madcelts]

Its been a while but I'm back, ignoring today's news regarding TSB.

 

I'm kept chipping away at my claim, and I send my AQ along with draft Directions for the court. Two weeks ago I received a 'Notice of Allocation to the Small Claims Track (Hearing)'. I am a little worried at the lack of information on it to be honest. Here is what it states:

 

'District Judge ____ has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track.

 

The hearing of the claim will take place at ___ on ______2007 at ____ County Court, and should take no longer than 5 minutes.

 

The court must be informed immediately if the case is settled by agreement before the hearing date.

 

The original documents shall be brough to the hearing.

 

Please note that your case has been listed with other appointments in a block list. blah blah blah.'

 

No mention of my request / draft directions, no mention of putting a court bundle together. I've read the link 'GOT A COURT DATE? A guide to the later stages. Don't think it can be an Allocation hearing as it already states its allocated to the small claims. There's no mention on the letter being a prelim/directions hearing. Leaving the Final Hearing (Hearing of the claim) but then why the lack of directions / mention of put together a court bundle. I'm bamboozled. Please help!

[madcelts]

Guys and Girls, still needing help here big time. Please don't let me down!