ballin vs Barclays

[ballin]

With thanks to this site I am now in possession of the statements for the last 6 years of my other halves account!

 

Have gone through the statements adding up all "@" charges, ie.

paid referall

unpaids out

 

Is there anything else I can claim back?

 

The total of the @'s is standing at £1425

 

Once I am sure I have included everything I will move on to the next stage, just really want confirmation I've included the right charges!!

 

Thanks for all the help so far the site and its members are invaluable!

[sandbag]

Hi Ballin - have you got any 'unauthorised overdraft fees'?

The other charges are fine. Good luck with your claim.

Regards Sandbag.

[ballin]

Hi Sandbag,

 

I shall take another trawl through them this afternoon and have a look!

 

Thanks for the advice. I saw there was a lot of time spent very overdrawn so I imagine there should be some!

 

Just out of interest, what does "paid referall" mean? I assume "unpaids out" is bounced cheques?

 

Thanks

[ballin]

Just gone back through all the statements, definately £1425 so shall prepare the next letter!

[ballin]

wow, just spent hours looking at the interest sections, complicated or what!

 

think im just going to leave interest and hope its not too much :o

[ballin]

finally worked out the interest charged (i think) so confused have no idea but Barclays can try and correct me if I'm wrong

 

An extra ~£70 added to the bill

[Laineybelle]

Hi ballin,

 

Have you been using the easy spreadsheet as I think the interest should be more than that if you have gone back 6 years.

 

The spreadsheet looks daunting but when you start you realise the interest is all done for you automatically. Our claim is double yours but our interest was well over £500 extra.

 

Regards

Laineybelle

[simpson3375]

Have you looked at the templates section? There are some interest templates there. You put all your entries onto the excel spreadsheet and it calculates the interest for you. I have added a link below. You should use the simple charges template.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

However, when you send the charges sheet along with your letters to the bank, hide the "interest" column and the "days since offence" column. You add the 8% interest when you file your claim through the court

[ballin]

hi,

 

I was using the complex spreadsheet.

 

Just looked again at the simple one and all that calculates is the 8% charge? Pretty sure I've done it right, there weren't that many "interest charged" on the statements and those that were, were on average £2-3.

The bigger ones like £15 charged unfortunately the account wasn't overdrawn so cant claim it back..

 

dont understand this bit to be honest, if the account wasn't overdrawn I don't see how it could have been charged interest personally! and if it was charged interest on a previous week for example, i would have thought you could still claim it.

 

as you can tell im v. confused by this bit

[Laineybelle]

Well, I used the easy spreadsheet that I listed all my charges (unauthorise o/d & unpaids and the interest it calculated was the 8% from the day the charge was put on my account to the day I put my claim in.

 

There were other options but I have to admit I did go for the easier option as I am trying to keep things as simple as possible. I will be chuffed to get back just my charges plus interest on the charges. This is money I thought was lost and by the end of it all will be nearly £5,000 so pleased to know I will get that. Confidence grows by experience but one step at a time for me. I ddin't ant to complicate it too much.

 

laineybelle

[simpson3375]

You can get the 8% interest on ALL your charges. Yours should come to around £200 by my reckoning.

 

I have no idea about the complex spreadsheet as it was far too complicated for me. Read through some of the threads as one or two people have gone for that as well.

[ballin]

Ah right yes, the 8% charges I understand but they are not until the court stage!! I'm just at the preliminary stage of claiming the fees back (plus the interest as a result of these fee's).

 

 

the 8% will hopefully be next!

[ballin]

quick update.

 

Received the bog standard "looking into it, will endevour to respond within timescales, please allow up to 8 weeks blah blah".

So I sent my LBA and in 14 days will begin court proceedings

[ballin]

And now received a ~700 odd quid offer!

14 days is still counting!

[simpson3375]

Stick with your deadline. Have you sent the rejection of settlement letter yet?

 

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=39&Itemid=36

 

Simmo

[ballin]

I hadn't actually no, thanks for the heads up will do it today!

[ballin]

time's up!

 

Just gone to the MCOL and begun to fill it in, big thanks to this site so far!!!

Once I've filled it in and paid, do I just wait?

[Falcom]

Yep just wait to see if Barclays acknowledge in 14 days in the meantime just keep reading threads and read up on AQs

 

Peter

[ballin]

Thanks Peter,

 

Do I not need to send something to Barclays (seeing as the particulars of claim includes...)

 

Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent.

[Falcom]

After they acknowledge send another schedule of charges to Barclays and a copy to MCOL to be added to your file.

 

Peter

[ballin]

Ok thanks.

 

Also, the £120 court fee's I paid, will I get that back eventually from barclays?

[Falcom]

Yes - when you reach settlement stage you must remember to add your MCOL and AQ fee.

 

Peter

[ballin]

I received a letter through from MCOL stating legal proceedings have begun. I note that the court is Northampton which is over 100 miles from me, do I need to get this moved closer?

[dickeggsy]

northampton is where all MCOL claims are centralised.you will be allocated to a court nearer to you as soon as they recieve barclays ''standard'' defence ,which they will do.should be the same as everyone else's.

good luck.nowt to worry about.

[ballin]

thanks, mind at rest