Me vs Them ###won###

[simon.woodhouse]

nice one mate. cheers for that.

 

right, no more messing around, its lunch time so i'm off into town to get this sent. I'll keep you update!

[simon.woodhouse]

OK guys, Barclays have completly ignored my LBA so I guess its time to start the MCOL.

 

One quick question though - what name and address to I put for Barclays? Is it their registered house - the 1 Churchill Place address?

 

Thanks Guys

 

Simon.

[simon.woodhouse]

...to open.

 

It looks like our noble cause will be the subject of a BBC programme tonight at 10!

 

The Beeb have even done some template letters of their own. Surely this can only be a positive thing, or do you think it might make a bank more likely to defend a claim - if they see the floodgates opening anyway they may have nothing to lose!

 

I know this isn't Barclays related but I couldnt find a general discussion post - sorry!!

 

BBC NEWS | Business | Are penalty charges bank robbery?

[Hollydoll]

Yep that's the one!

 

Good Luck

[maclaren]

I used the address they replied to me, and they update to their ligation department. I get the impression once you involved the courts they have to alteast take notice of your claim.

[the gorgeous one]

I have another quick question, what do I include in the particulars of claim? I have started filling in the form but am not sure if I should copy and paste my spreadsheets or just include the total balance for each year with the interest. Please help soon I'm in the middle of the form and have looked at all the threads and the FAQs but am now losing the plot. I can't even rememnber how to post my own thread. Sorry Simon for hijacking your thread it was the only way I could ask a question

Jill

[livelylad]

I have another quick question, what do I include in the particulars of claim? I have started filling in the form but am not sure if I should copy and paste my spreadsheets or just include the total balance for each year with the interest. Please help soon I'm in the middle of the form and have looked at all the threads and the FAQs but am now losing the plot. I can't even rememnber how to post my own thread. Sorry Simon for hijacking your thread it was the only way I could ask a question

Jill

 

 

Here is the POC

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

You attach the schedule of charges and send it to the court and the solicitor.

 

To access your threads go into user cp and list subscriptions.

[the gorgeous one]

Just tipped your scales Thanks for the help, I had seen it but with everything else I have read I couldn't remember what I had read. I've added it to favourites and printed it so thanks again and back to my claim

jill

[allan1983]

Just had a read of the article, and although i think its a good thing to get the publicity, i cant help thinking i hope my claim is sorted BEFORE the floodgates do eventually open!:-|

 

The highest figure they concluded that banks could justify was £4.50 - much lower than what the banks currently charge.

I think even this is crap to be honest, its still too high.

Also, how much does it actually cost to send an automatically generated letter telling you you've exceeded your overdraft?

 

Stephen Hone is a young father of three and a law student based in Plymouth. When Stephen's bank, Abbey, removed £64 from his account for two £32 penalty charges he called his branch and asked them to pay it back.

Was this the original case so to speak?

 

Shortly after filing his claim, Abbey paid Stephen back £840.

Was this the full amount, or a cop-out 'no liability' offer?

 

HSBC also told us it settles customer claims for refunds before cases are heard in court.

So why drag their heels at EVERY step?

 

The Office of Fair Trading has already forced banks to reduce their penalty charges for credit cards to a maximum £12, and it has now opened an investigation to establish what the real costs of current account penalty charges are.

Obviously at some point, this is going to happen to banking itself too, but in the meantime, the banks are surely going to make is as difficult as possible for more people to get their money back.

 

 

Mickey Boulton, a self-employed builder was frustrated with his bank over the amount it had charged him. "We've got in six months just under a £1,000 worth of charges. They've had a lot of money out of us, and I want it back." As a result of Stephen's advice, Jemma successfully claimed back just under £5,000, while Mickey was offered £600, which he has accepted.

Should have come here to CAG, we'd have helped him get it all back!!

[simon.woodhouse]

I'm filling in the moneyclaim form now so just to confirm...

 

I am going to copy in and edit the pro forma to include my details. I HAVE already sent a copy of the schedule to the bank with Prelim request and LBA. How do I send one to the court online & also to the banks solicitors.

 

Cheers guys!

 

Simon.

[Michael Browne]

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the

above claim.

 

Yours sincerely,

[Spotted Dog]

Will be recording it tonight. I am sure there will be a lot of discussion tomorrow. It would be such a shame if the BBC give the Banks bad publicity and millions demand their money back !! lol

 

Spotty

[the gorgeous one]

Michael

Thanks, I did wonder what to do about the list of charges so have got them copied and they will be in the post later ready for tomorrow.

Jill

[simon.woodhouse]

Hi guys.

 

I'm doing the MCOL form now. On the last page where the ask Total Amount Claimed do I put:

 

1. The total of my charges

 

or

 

2. The total of my charges + the 8% interest up to the date of the claim?

 

Cheers guys.

 

Simon.

[Michael Browne]

The total of my charges + the 8% interest up to the date of the claim

Yes

[simon.woodhouse]

Barclays time has passed and it seems they havent entered a defence. I have recieved nothing from court since barclays said they intend to defend.

 

do i just go on my MCOL page and apply for judgement. How will the money be paid? do they call me and hassle me or should they just debit my account?

 

cheers,

 

Simon.

[dickeggsy]

how long has it been since you filed your claim with MCOL , just asking because they have 33 in total days to file a defence.

[simon.woodhouse]

oh right. i think its been about 30 days now.

 

i thought it was 28 days. i'll leave it until friday and do it then.

 

cheers.

[dickeggsy]

yeah they have 5 days for it to be served , 14 days to acknowledge then 14 days to put in a defence making 33 days in total.

[crfx250]

Simon

 

Well I spoke to MCOL about this first thing this morning seeking clarification of the 28 day/judgement issue with my Barclays claim.

 

I was told that after the 28 days was up, you can apply for a judgement

by default which takes 48 hours to ''go through''. During this time Barclays

can still enter a defence, which, according to others on this site, is not uncommon.

 

If I were you I'd whack a judgement application in before you take your next breathe...

[simon.woodhouse]

Hello,

 

I have just been on MCOL and was about to apply for a judgment but it appears Barclays have entered a defence.

 

What is confusing is that the defence is dated 22/01/2007. I still have not received an allocation questionnaire. The last thing I received was an Acknowledgment of Service form (26/01/2007), in which Barclays said the INTENDED to defend all the claim.

 

I havent been able to get in touch with the court.

 

Any suggestions?

 

Cheers,

 

Simon.

[Sparkey]

My allocation questionnaire came with their defence, so it maybe on its way to you. It did take a while.

[pollyjohnson]

The allocation questionnaire usually comes with the defence. give it a few more days, I am sure you will get them together

[soupy1cat]

Hiya. My Defence and AQ came together in the post today.

 

Really nervous now!!

[simon.woodhouse]

Just a very quick question (may seem daft):

 

Section H: Fee

 

Have you attached the fee for filing this allocation questionnaire?

 

My claim is under £1500 so i dont need to pay a fee, so do i tick No? The reason I ask is that the way that could read is "I need to pay a fee, but i havent."

 

Cheers.

 

Simon.