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    • Thanks dx, will do this tomorrow morning when I have access to a pc (find it easier and quicker than my mobile). Just having a good old read through similar threads atm. Wow some of this jargon is hard to take in 😳.  Thank you for your support x
    • please complete this:   and scan up bothsides of your NTK read upload carefully PDF only please!!   safe to ignore powerless DCA's they are not bailiffs  
    • yes ring the court and get it moved directions might stay the same though for fee/WS exchange mind.   dx   dx  
    • Driver entered car park run by CEL Ltd . Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods a couple of miles away .   I have a copy of a collection of goods note with an approximate time on it   Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning    ANPR cameras registered first entry and last exit    Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere !   Been to site itself . No signs at entrance . When entering from main road nothing !   Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left .   After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that !   This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt    The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness   The pack of lozenges cost £185 !   Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimida ted . Very stressful ! Any  advice please ? I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
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Dagenham Dave

Barclays Additions Fees Reclaiming

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Hello

 

This is a new post by myself and I'm quite new to this. I sent a SAR to Barclays for an account I no longer have. I'd like to know if people have had any success in claiming back the fees on theses type of accounts.....

 

I opened a Barclays Bank Account in July 1994. It was just a normal bank account with an overdraft facility should I require it. This was only intended to be a secondry account as my main account was held elsewhere.

 

I recently received my statements and some other information that the bank held about me. I remember whilst I had the account that at some stage, 2001, the title of the account changed to Barclays Additions. It was certainly not something I asked for but noticed a monthly charge on the account. Nothing in the documents I received confirm I applied for this account. Do I therefore send a CCA to Barclays or do I write a letter of complaint about account being changed without my consent?

 

If I send a CCA or letter of complaint which address do I use?

 

Any advice to help me move this on would be greatly appretiated

 

DD

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Hello there.

 

I've moved your thread to the Barclays forum and left you a link to follow from the Welcome forum.

 

People should be along later with advice for you. :)

 

HB


Illegitimi non carborundum

 

 

 

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)


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Hello slick132 and maroondevo52

 

I will read all the thread again and see what I can pick up. I have been lucky in obtaining all the statements from the period I was put on an Additions account.

 

I had little problem getting my SAR unlike Alice but my partner is having a problem with Barclaycard

 

Regards

DD

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)

 

Hi Slick

 

Yes I've now re read Alices thread. I already have my statements which confirm about me holding an Additions account from 2001-2006. There was no evidence that came with the SAR to confirm I actually requested this type of account. I believe it was switched from my ordinary basic account which I opened in 1994.

 

Am I correct in thinking that any CCA would have been sent to me with my SAR, if that is the case then do I now send a letter of complaint?

 

Thank you for any advice you can give ☺

 

DD

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the account is no longer operational, the agreement is over..so a CCA request is pointless.

typically you don't get agreements in an SAR return

and esp so from Barclays...

 

 

have you done your spreadsheet?

that need to go with the letter of complaint

else they'll treat it as a speculative claim

and fob you off without even reading your letter.

 

 

you need to provide evidence too.


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Thank you dx, is there a template for the letter?

 

All the copies of my statements they sent me in return of my SAR cover the years I had an Additions account. In what form of evidence do I need dx? Can you advise of which Spredsheet I need and includes the 8% interest?

 

Many thanks again.......

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already answered in post 5


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have an update to my claim with my Packaged Fee account and would really appretiate some help and advice regarding my claim.

 

Looking through previous statements

I now realise the cost of an overdraft I originally had on my free account increased to almost 400% when I was switched to the Package Account.

 

 

I originally sent a letter to Barclays outlining my fee charges plus interest.

I now believe these increased fees helped my account become unmanageable when I became temporarily unemployed.

 

 

Needless say I received a CCJ with costs.

I am happy to say that all that has passed now but can I include this within my claim

 

 

if so how do I gauge the cost of all that?

Any help and advice will be greatly received

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shouldn't have od's were free upto a certain figure?

that's was part of the package free OD to say £500?

which is how they fleeced people into signing up to it, hiding all the useless insurances.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello dx100uk

 

I only paid interest on my authorised overdraft on my free account when my account went overdrawn. It wasn't very much. However, when my account was switched to a package account the charge for the Additions account was considerably higher. It was only a secondary account and had it of been my main account I would have probably realised much earlier about the "Fee" levied against the account instead of the interest. Of course these fees increased on what seems a yearly basis

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