I've just received a letter...

[121o121]

You can claim any of the maximum amount your entitled to within the six year period. All the charges you want to claim back, must be on you N1 claim form. If you ammend the claim to include the 2005 charges at a later date, you'll have to file in a form (N244 I think) and pay the appropriate fee (£35 I think).

 

You need to allow them 14 days to reply to your prelimary letter, and then an additional 14 days to reply to your letter before action. If the letter they have sent you is in reply to your LBA, you can start the claim process after the 14 days.

 

I doubt they will settle any quicker just by leaving out the 2005 charges.

[121o121]

You'll be hooked mate I guarantee. You'be going after your credit cards after you've finished with Barclays.

[121o121]

I have not stuck to the date that I initially said I would commence a court claim. Will this adversely affect my case?

 

 

No, you were just giving them extra time to reconsider their position before you commenced action.

 

I am not claiming for the full amount from the past 6 years. I do not have my 2005 statements and I do not wish to get them, it is minimal. Will this adversely affect my case?

 

 

Not at all. My first claim with Lloyds TSB was for the first four years. After they settled I went back for the last two.

[121o121]

Forgot to say, if you have already sent the LBA, I personally wouldn't bother sending another letter (up to you though). As to including evidence, again I wouldn't bother. Its very unlikely you'll get a settlement any earlier.

 

Once you've filed your claim, have a look through the banking templates library to familiarise yourself with the allocation questionnaire. This will be the next step after Barclays enter their defence.

 

Your doing fine, don't panic.....