Allan1983 v Barclays

[allan1983]

I feel quite guilty to be honest, as i registered here a couple of weeks ago, and have used some of the bank charge letter templates, but have yet to come and say hi.:-|

In my defence though, i was hoping to make an open and shut success case, and post here when we were refunded some of our edited money:rolleyes:

Up until today, everything was going swimmingly. I sent the letter asking for statements, which arrived fairly quickly, and the bank (Barclays by the way) returned our £10 payment and said they would do it for free.

Next, i used the spreadsheet to work out how much we were owed... £1300 with the 8% on top.

Sent this together with the 'Give it back!' letter (also from here) and had a reply within about a week offering us £570.

Obviously, i then sent the 'Thanks but no thanks' letter, and sat and waited for what i hoped would be a fat cheque and apology to arrive.

HOWEVER, got home from work today to a letter that basically said: 'Thats as much as we're offering you, take it or leave it, take us to Small claims if thats what you want'

Im gutted!!!!

Now i dont know whether to cave and take the offer, as we can get it before christmas, or take it further.

Anyone want to offer up an opinion?

Has anyone else had a similar situation with Barclays specifically?

 

Thanks guys 'n' girls!!!!

 

LONG LIVE C.A.G!!!!

[allan1983]

I feel quite guilty to be honest, as i registered here a couple of weeks ago, and have used some of the bank charge letter templates, but have yet to come and say hi.:-|

In my defence though, i was hoping to make an open and shut success case, and post here when we were refunded some of our edited money:rolleyes:

Up until today, everything was going swimmingly. I sent the letter asking for statements, which arrived fairly quickly, and the bank (Barclays by the way) returned our £10 payment and said they would do it for free.

Next, i used the spreadsheet to work out how much we were owed... £1300 with the 8% on top.

Sent this together with the 'Give it back!' letter (also from here) and had a reply within about a week offering us £570.

Obviously, i then sent the 'Thanks but no thanks' letter, and sat and waited for what i hoped would be a fat cheque and apology to arrive.

HOWEVER, got home from work today to a letter that basically said: 'Thats as much as we're offering you, take it or leave it, take us to Small claims if thats what you want'

Im gutted!!!!

Now i dont know whether to cave and take the offer, as we can get it before christmas, or take it further.

Anyone want to offer up an opinion?

Has anyone else had a similar situation with Barclays specifically?

 

Thanks guys 'n' girls!!!!

 

LONG LIVE C.A.G!!!!

 

 

 

This post originally sat in the general sub-forum, and i wondered if there was anywhere more specific i could post....

Only took me 6-odd hours to realise!!

 

please dont use this word !

[Guest bong]

hi allan. How much do they owe you without the 8%? which, BTW, you shouldn't have included until it gets to the court stage.

[Spotted Dog]

Almost everyone gets a paultry offer from Barclays at this stage. It is up to you whether you accept their offer or stick it out and get it all back.

 

It seems that the only way to get ALL your money back from Barclays is to take Court ction.

 

Spotty

[allan1983]

Right, ive drasfted a letter up today to send as a last resort before i go down the whole MCOL road.

Ill post it up when i get home tonight, i havent got time to type it up now!

Ill need some people's adsvice on it though, i dont want to overstep the mark or lessen my chances of a settlement before court!

Has anyone had any joy with this tack?

 

Edit @ 9pm ish:

Right, heres the letter. Does anyone think theres anythin that i shouldnt include? Or for that matter anythin i should?

Any advice here is very much appreciated, as i can send this tomorrow if theres no probs.

I was very disappointed to receive your letter of / /06, as I had hoped this issue could be resolved quickly.

I am now aware that all the letters I have received from you thusfar have been nothing more than standard responses, as I have discussed my position with a great number of people who have been in a similar position. While your responses have been prompt, they cannot have related particularly to my case, and with this in mind, there are several issues I would like you to clarify for me, so that I may make a better judgement of my position before I take further action.

Although I did request this in one of my previous letters, you have made no attempt to justify any portion of my charges. If you can do so, I would be willing to deduct this -no doubt minute sum- from the total I am seeking.

You have offered the sum of £570 as a ‘good will gesture’, but I cannot see where this figure has come from. In my specific case this equates to approximately 44% of my total amount, but other clients have had offers ranging from as little as 30%, to as much as 55%. Obviously, even 55% is still too little, but the point is, 44% is no discernable proportion of my total claim.

I would like to question why, if you state you are not liable for my claim, you have felt the need to offer any form of goodwill. This appears to be a somewhat obvious attempt to dissuade me from pursuing my claim further, although I am sure you are aware that should a county court judgement be necessary, it would unquestionably fall in my favour.

I would like to ensure you are ware that I fully intend to take this claim to court if you are unwilling to resolve it in a more pleasant manner. Please consider though that taking the claim to this level will mean I will require not only the original claim amount, but also the inherent costs of such action, and any othe interest which may accrue.

I would also like for you to clarify your position with regards to notices placed on the credit register, as placing these notices will have adversely affected my credit score, and this will also need to be addressed by the courts.

Hopefully this letter will give you more cause to reflect on what a somewhat iniquitous situation. I would very much appreciate it if you would take the time to consider my position, and refrain from sending me, yet another standard letter. I am happy to give you seven days in which to respond, after which I will begin the process of a court claim, with no notice. You can of course choose to not acknowledge this letter, but copies of all correspondence, together with your lack of response, will be supplied to the county courts.

I look forward to a prompt response, and hopefully an amicable solution.

Yours faithfully

[allan1983]

Any comments greatly appreciated guys n girls!

[allan1983]

Without interest, its £1105. Im a bit gutted if ive cocked up!

[Guest bong]

well that's a lot of money to give up if that's what you decide. I know what I'd do...go to court AND get the 8% as they're inviting you to do! I suggest you read a few Barclays success stories and see how long its taking for the money to come through. I have a claim with Barclaycard and they're definitely dragging it out. Don't worry too much about the interest error - it won't get in the way of your claim.

[allan1983]

Anyone??

Or it goes blind tomorrow...

[MARTIN3030]

Barclays have made you an offer,and this is not out of the ordinary.

With Christmas looming it is very tempting but its a lot of money to give up if you accept the offer.

They obviously know that this is a good time to be making offers as single parents and low income families plan their Christmas with not much money.

Its your call here.

They may make a secondary offer or may not.

Obviously the offer on the table will have acceptance time limits and will be withdrawn.

You have to decide whether you can hold out for the full amount no one can decide that for you.

There is of course the question of signing a conf agreement ?????

You should consider whether that could be favourable to you should the bank see fit to ask for your considerations ahem cough you can see what I mean ?

You could ask that they make it favourable for you to do so.................................

[skbuncks]

How about accepting the offer as a partial payment only and then proceeding to the courts to claim the rest. That way you get some cash in time ofr chrimbo - providing of course barclays go for it

 

skb

[allan1983]

Not a bad idea actually, would they go for this though?

[Guest bong]

unlikely to but here is the template http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html#post200477

[notlam]

Allan,

 

In my opinion the bank is just playing the same game with you that it has done with hundreds if not thousands of others.

 

It knows it cant win but it will almost certainly force you to go all the way with your claim. However, that's not such a daunting prospect as it may seem. You have all the information you need on this site to do it and there are plenty of willing helpers at every step of the way.

 

If it were me, I would follow the step-by-step process and read up as much as you can here on how to go about it and see how others have faired. All seem to have done better than they expected.

 

Again, if it were me, I would stick it out. Don't impose any deadline on yourself (i.e. try to forget about getting it for Christmas). Do the Letter Before Action if you dont get what you want in the next reply. Then if you dont get a full refund do the claim and, I would go for the contractual rate of interest and just follow the courts instructions, as necessary.

 

From the way you've written your letter, it seems to me, it will all be a doddle for you once you really get going but if you get stuck and need any help, just let me know or write to one of the experts on here.

 

Surprised so few people have offered you any more helpful advice.

 

Good luck.

[gollum237]

Allan I agree with Notlam,

Most of us have been in that position whereby we are offered a paltry amount to settle. Obviously it is up to the individual to accept or not but I think you would be kicking yourself after Christmas knowing that with a bit of patience you could have had all your money back.

It is frustrating but just sit back, there is an end in sight believe me.

[allan1983]

Surprised so few people have offered you any more helpful advice.

 

Good luck.

 

Im glad its not just me that thought that, I must admit.

Maybe you guys dont like my face or something?

 

Does anyone think the letter will be of any use?

Can it do any harm to send?

[Spotted Dog]

It is a very good letter. However, IMHO it won't make any difference. We are all following a set tried and tested procedure to get our money back. Barclays are doing the same. They have no interest in what you say or do. They just want to drag it all out in the hope you will give up or settle for less than you are owed.

 

Spotty

[notlam]

Spot on Spotty.

 

They just want to test your mettle Allan. I wouldn't worry too much whether your letter is perfect, or not. It will just get the same cursory 7 second glance that all our letters get from the assistant to the assistant to the assistant bank manager and then it will be put in the "yes, he's bottled it" or "no, he hasn't given up yet" pile.

 

I urge you to stay in the latter pile and experience how the whole daft process plays out. It'll be worth it for you.

[bill-k]

As these guys have said, Allan, it's your call.

 

Deal or No Deal ? Are you gonna trust the Banker ?

 

I would suggest that you look at the possibilities of claiming Contractual Interest, and take your time. Have a "quiet" Christmas, perhaps, but look forward to a well-prosperous new year !!

 

If you take the money now, and run, then I warn you - whatever you do - do NOT look back !!!

[Guest bong]

Allan your thread should be in the Barclays forum, you should PM a mod and ask for it to be moved out of general.

 

I think the reason you didn't get a more helpful response was because you had posted different bits in different forums and as they have all now been tied together it appears that people were ignoring some of your posts which is not the case. Your letter was not in this thread previously. As previous posters have said, your letter is good but it probably won't get the result you're hoping for. I think Barclays in particular are passing the matter over to solicitors as a matter of course and cases are being dragged out as far as the legal process will allow it before settlements are being offered. By all means try it but be prepared to have to resort to the tried and tested methods put up on the site.

[allan1983]

Allan your thread should be in the Barclays forum, you should PM a mod and ask for it to be moved out of general.

 

Er... It got moved OUT of the Barclays forum?

[Guest bong]

Maybe that was to tie it together with your other thread in the general forum. It should be in Barclays though.

 

I suggest you ask for the title to be changed at the same time to something more appropriate.

[allan1983]

Fair enough.

Who should i PT?

[Guest bong]

go to the main screen, at the bottom of the forums - just above the box which tells you everyone who is currently online - you should see "View Forum Leaders" The ones with a green light next to their name are online. If you click on one you will be able to send a PM. Include a link to your thread and tell them what you want the title changed to.

[allan1983]

Done os, thanks mate.