Maxine V Barclaycard. **WON**

[maxine989]

Ok... Letter is all tweeked and ready to go with all relavant copies of letters and statements attached. I am sending one copy to Ruffnuts and one to head office in London.

 

Still no email off Ruffnuts.

 

Here we go guys!!!!

[maxine989]

Actually... do you think it is wise to send to head office also? Or just to Ruffnuts at the following address, after all it is him that has compiled the defence:

 

Adrian Ruffhead

Barclays Legal & Compliance

Litigation & Disputes

Level 29

One Church Place

London

E14 5HP

[Josie8]

Actually... do you think it is wise to send to head office also? Or just to Ruffnuts at the following address, after all it is him that has compiled the defence:

 

Adrian Ruffhead

Barclays Legal & Compliance

Litigation & Disputes

Level 29

One Church Place

London

E14 5HP

 

 

I would send it to him as he is the person who is apparantly responsible for Barclays legal and compliance issues.

 

He's not going to know whats hit him - wish I was a fly on the wall:p

[Mistermind]

Roughnuts cannot claim ignorance -- caught redhanded he had gone shtum, and the danger is that he may continue to bury his head in the sand. In 7 days comes the time for pressing the red button, then a battle begins between a mighty financial institution and an even mightier regulator. Most inconveniently for you, there will be no mighty payment for months and months. Also if a lawsuit ensues, your name will inevitably be dragged into the national press.

 

London HQ CAN claim ignorance. Their interests have been jeopardised without their knowlege. HQ with more sense cannot rectify something they do not know about. When the Abbey settled at the last moment out of Plymouth court in June 2005, they paid St*ph*n H*ne fivefold his claim. When HQ does offer full settlement, I should send them a bill for the extra woman-hours they cost. Their offer would be a tacit admission of guilt.

 

It is not known if Roughnuts has done similar to other claimants, or is trying out something new for the first time. His record though suggests he cannot be trusted for a sane response within 7 days.

 

Just one opinion.

[maxine989]

I came home from work just now to find an email from Ruffnuts:

 

Dear Maxine,

The Barclaycard team confirm that the copy statements sent to you are true copies.

 

As regards the change of card numbers for account ending 9005 was because the account was closed in 2002. Account ending 1004 was the account number that replaced it when it re-opened. I understand that it is the same situation for the other account.

 

I am concerned that the hearing date does not appear to have been vacated. There is no reason for any hearing to take place, nor to prepare any bundles of papers for the Court and the hearing and action should now be withdrawn.

 

If it is not, I will have to take steps to arrange representation at the hearing. Please confirm it is withdrawn.

 

Regards,

Adrian Ruffhead

[noomill060]

Ah, the old: "I will have to take steps to arrange representation at the hearing." routine.

 

Next he will be telling you that you will have to pay £1000 a day for their barrister's appearence in a small claim!

 

(The saddest thing is he expects you to believe it)

[noomill060]

Dear noomill060,

 

Barclaycard has confirmed to me that the sum of £242.56 has been remitted to your account, therefore this sum has been paid to you.

I need to have confirmation from you by midday that the hearing & action is withdrawn as I will be instructing the Bank's Solicitors in Belfast on whether they need to arrange attendance at the hearing that is still fixed in the Court List. The Solicitors have advised mt that they will need to instruct a Barrister to represent the Bank, which they will have to do by at least midday today.

If a Barrister has to be instructed then his/her fee will become payable, even if the hearing is withdrawn at a late stage & in the event that the Bank has to instruct a Barrister or attend a hearing, then it will seek its costs of attendance from you for having to attend a hearing that was unnecessary. These could be in the region of £1,000. but could more or less according to the Barrister's fee required by the Barrister concerned.

Please therefore reply to me, by return, confirming that the hearing & proceedings have been withdrawn.

Regards,

 

Adrian Ruffhead

Litigation & Disputes Team,

Level 29,

1 Churchill Place,

London,

E14 5HP.

020 7116 7532

C/W 7 6006 7532

[email protected]

[Josie8]

I came home from work just now to find an email from Ruffnuts:

 

Dear Maxine,

The Barclaycard team confirm that the copy statements sent to you are true copies.

 

As regards the change of card numbers for account ending 9005 was because the account was closed in 2002. Account ending 1004 was the account number that replaced it when it re-opened. I understand that it is the same situation for the other account.

 

I am concerned that the hearing date does not appear to have been vacated. There is no reason for any hearing to take place, nor to prepare any bundles of papers for the Court and the hearing and action should now be withdrawn.

 

If it is not, I will have to take steps to arrange representation at the hearing. Please confirm it is withdrawn.

 

Regards,

Adrian Ruffhead

 

 

So where did the last 2002 statement you received show a zero balance? And where did the opening debit balance on the 2005 statement come from?

 

Well he's confirmed they're true copies so very little wriggle room from now on.

 

Have you found any cheque payments to Barclaycard in that interim period?

 

Anyway Maxine its now "Game on " as they say................ :p

[noomill060]

This is his

 

"We've paid up, honest we have! Please believe me! Now be a good little chap and withdraw you claim or we'll get very nasty" letter

 

Later on came his-

 

"Oh, what a clever little chap you are-you've discovered we havent paid you at all- Hey it was worth a try! OK, hands up, you win, we'll pay by cheque. Please can we have an adjournment?" letter.

[Josie8]

Dear noomill060,

 

Barclaycard has confirmed to me that the sum of £242.56 has been remitted to your account, therefore this sum has been paid to you.

 

I need to have confirmation from you by midday that the hearing & action is withdrawn as I will be instructing the Bank's Solicitors in Belfast on whether they need to arrange attendance at the hearing that is still fixed in the Court List. The Solicitors have advised mt that they will need to instruct a Barrister to represent the Bank, which they will have to do by at least midday today.

 

If a Barrister has to be instructed then his/her fee will become payable, even if the hearing is withdrawn at a late stage & in the event that the Bank has to instruct a Barrister or attend a hearing, then it will seek its costs of attendance from you for having to attend a hearing that was unnecessary. These could be in the region of £1,000. but could more or less according to the Barrister's fee required by the Barrister concerned.

 

Please therefore reply to me, by return, confirming that the hearing & proceedings have been withdrawn.

Regards,

 

Adrian Ruffhead

Litigation & Disputes Team,

Level 29,

1 Churchill Place,

London,

E14 5HP.

020 7116 7532

C/W 7 6006 7532

[email protected]

 

Bet you were reallllly frightened by that ................................. lol!

[maxine989]

He must think I am daft. Does he treat all B*********d customers this way, or just the ones that callange their integrity. I might be a bit dodgy on me old spellin from time to time, but I am certainly not daft nor am I going to give in to 'charlie big banana' talk.

 

He has confirmed that the statements are true copies in the email, which is a complete fabrication of the truth. They are not true copies. I am 100% sure of this. I have never had a balance of zero, certainly not for 18 consecutive months... and the balances on the other statements dont tally before and after...

 

And the strange unknown account number reverts back to the original number in Jan 06, so this statement 'As regards the change of card numbers for account ending 9005 wasbecause the account was closed in 2002. Account ending 1004 was the account number that replaced it when it re-opened' is also untrue.

 

He has sent me confirmation that 'the B**********d team' have sent me falsified statments and also confimed that B********d tell their customers complete cods wollop to shut them up.

 

I have sent the letter (posted in post number 146) to him this afternoon 1st class recorded delivery, along with copies of the suspect blank statements, along with copies of a before and after true statement (which shows opening and closing balances) and copies of all the dodgy correspondence from him that urge me to drop the court case.

 

I wish I could be a fly on the wall when he opens the letter. Surely he is going to feel uneasy. He and the B********d team are in deep water and they haven't got an easy way out of it.

 

I am not eager for a show down... I would just like them to pay up the dosh that they have taken from me... but if they want to play it that way, then... Bring it on!!

 

If they do pay up (fingers and toes crossed)... then I shall pay off my visa and mastercard and close the accounts, never to do business with Bull*****ing B*********d ever again!!!

[Mistermind]

TO WHOM IT MAY CONCERN

 

This is to certify that R***nuts is insane.

 

Doctormind

[Josie8]

He could well be looking for a new job in the near future........................

 

How on earth could he be so stupid!! :D

[maxine989]

TO WHOM IT MAY CONCERN

 

This is to certify that Ruffnuts is insane.

 

Doctormind

 

Indeed he is!!

[maxine989]

I wonder how long it will atke him to respond?

 

In the meantime I shall gather my evidence together in a file and begin looking up relevant governing bodies ready to complain to... although I really do hope it doesn't come to that. I don't fancy being 'the one' to drag their name into the papers... but they do derserve to have it their conduct revealed.

 

Still not many mods making much comment on this?

 

Has it happend before?

 

Are they as shocked as us lot?

 

Do they have an opinion on it all?

 

Hello.... anymody there?

[Josie8]

Think its more a case of he seriously underestimated his opponent here.......................would love to be a fly on the wall this morning in his office lol!

 

Think they are all so used to trampling everybody under their feet because normally the people they are talking down to don't know the first thing about the law etc and they've got away with it for so long that they've become very careless...................

 

The mods are probably all in shock that he's been so foolish!

[maxine989]

Well... he (Ruffnuts) should have recieved the letter by now.

 

I am so impatient at times... but then again this has been going on since November so it is not not surprising that I would like this saga to end soon.

 

You are probably right Josie8 when you say that they (the Bar*******d litigation team) have become careless in their actions. As the amount of bank customers claiming charges back has dramatically increased in the past few months, I have noticed a huge change in their attitude towards their customers. You used to be able to discuss mothly charges over the phone with many banks... and sometimes if you were lucky they would refund them or maybe halve them over the phone. Now they (the banks) refuse point blank to discuss charges with you on the telephone and instead take an immediate bad attitude towards you when you call them. Now you have to put everything in writing. The staff that work at the banks are obviously not prepared to argue the point of charges over the phone now that many customers are informing themselves of the law.

 

Knowledge is power, as they say... and what I see happening now is many consumers are empowering themselves by learning more about what is lawful and what is not. The banks do not like this recent empowerment and so are harshly trying to bash us all down in the hope that we will go away.

 

It almost makes me want the court case to take place on the 20th July so I can see with my own eyes how the barristers of B*****s litigation will try and worm their way out of it... to see what low levels of deceit and manipulation they will try to use.

 

By turning on the customers they are putting themselves in a very weak position in the future. Any bank that holds their hands up and admits they were wrong, refunds charges without argueing and decides to change their banking terms will become top dog. New business would surge their way and greatly cover the cost of what profits they loose from penalty fees. Seems non of them want to be dop dog... just down right dirty rotten dogs.

 

Anyway... time for the my youngest to have her midday nap... so out comes the vacume and the rubber gloves whilst she sleeps... Oh a womans work eh!!

[maxine989]

My mind is racing with all this...

 

I soooo hope this doesn't drag on.

 

No emails today... Ruffnuts will hopefully be in touch via the post in the next few days...

[TANZARELLI]

Hi maxine,

 

Its still dragging on then, can't be long now. I bet woftas arms are well aching. lol

[maxine989]

Hi Tanz

 

Yeah, it's dragging on and gettig more complex and all... what with all these dodgy blank statements and everything.

 

I am hoping to get it sorted soon (before the non-compliance court date which is the 20th), but you can never be sure can you.

 

Thanks for stopping by...

[bsia666]

Hi Maxine, Just subscribing to your thread (it took me a while to read it all though )

I admire your style, wit and determination, all the best.

 

William

[Josie8]

Any news??

[maxine989]

Nothing in the post today... no email from Ruffnuts either.

 

Ruffnuts has had the letter since Wednesday (13th). Hopefully there will be some sort of response in the post tomorrow or Monday. If there isn't then it's time for me to take the next step on the deadline date, which is the 19th (Tuesday).

 

Fingers crossed that it gets sorted without having to take the next step... as it could drag on forever then. (Although it would be great to see Newspaper headline that shows Bar****card up for dabbling in fraudulant activity)... if that's the way it has to be, then so be it!!

 

So... who did you say I should contact mistermind??? OFT and Information Commissioners Office...? ANyone else you can think of?

[maxine989]

Hi Maxine, Just subscribing to your thread (it took me a while to read it all though )

I admire your style, wit and determination, all the best.

 

William

 

 

Cheers bsia666...

 

Yeah, it must have took you a while to read through. It's amazing how the threads can get so long when things drag on and banks play dirty tricks.

 

Thanks for your best wishes.

 

maxine

[Mistermind]

Hoping for the best, preparing for the worst.

 

For me the odds favour the first. You have money at stake, but Ruffnuts has porridge, unemployment, and disbarment by the Law Society hanging over him like the sword of Damocles. If Ruffnuts turns out next Tuesday to be certifiable insane, has his saner HQ had a copy yet?

 

Does not noomill00 have a Noncompliance court date on D-Day 19th June? Her ruling on the day might offer another pointer for you. She appears to be on first name terms with the Information Commissioner, so could help open up informal discussions before a legal complaint. Unlike compliance, your culprit having been caught allegedly criminally falsifying evidence will need to be dealt with by top officers.

 

As soon as the big battle is joined, you will lose control of the situation. If it goes to criminal court, your privacy will be lost, and stories of your card finances will become public reading material. You will not be able to withdraw your accusations and go back to a quiet life. The frustrating thing is that, even if Ruffnuts does porride, even if B*card is hit by a huge fine, such retributions from the regulator or criminal courts still will leave your reclaims unpaid, as you wait outside Small Claims court minus 19 months true statements.

 

In the absence of a B*card settlement offer upfront, you still have the option of preparing your bundle with 19 months estimated, a technique proven before, thougoh not without perceived risk. However, with the sword of Damocles hanging over his head, if Ruffnuts has settled ANY estimated claims he should settle yours to save himself. The most potent threat you have, is the one you have yet to carry out.

 

If Ruffnuts disappoints yet again, and refuses to settle the estimated reclaim, then you walk into Small Claims armed with dodgy statements to explain to the judge you have done everything humanly possible to obtain true figures, but for 9 months was frustrated by Insane. Small Claims being Small Claims, the judge might even rule for you. The worst that can happen is that you lose 19 months reclaims, or all your reclaims. To reduce the number of eggs in one basket, you could reclaim Visa Card first, if successful then Mastercard.

 

Have a good weekend. Come Monday or Tuesday may the sun shine on you. May it rain on Ruffnuts.