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Egarbeaver v Barclays


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Hi

 

I have had an account with Barclays for over 10years. For the past 8months due to change or jobs, temping etc i have gone over my £600 overdraft a number of times. Barclays made an arrangement with me to bring my OD within limit, but i was not able to make the last payment in Nov. My OD currently stands at £711.00. On Sat, i had a call from Barclays who wanted an immediate payment over the phone, which of course i did not have..............

 

I told them I will try and pay some money in on Monday to bring my OD within limit. - then she tells me that my overdraft has been withdrawn and my new limit is £10.00, so i owe the bank the full £700..................Obivously, i cant pay, the next thing is they have issued a termination of my account.

 

I have on the 2/01/07 writtien to Barclays for a refund on all unlawful charges for the past 6years.

 

How does this affect my claim???

 

thanks

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Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

DELLER

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

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

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

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

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Guest Mumofthreeboys

To answer your question, it doesn't affect your claim. With a bit of luck your charges will exceed your overdraft and you can pay the overdraft back.

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Exactly.

 

The British Banking Association said in its July Bulletin that its members should think carefully before penalising its customers who were claiming back charges.

Although they are not legally required to comply,you may like to remind them of this.:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi your posts now moved to your own Barclays thread here.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi all,

 

Thank you all for your replies. Well on Sat, I got a letter of termination from Barclays. Apparantly this will affect my credit rating as well and that they can close any other account I have with them.

 

I also have a student account with an O/D, but which is in order! Would it be of any use to call Barclays to make a suitable arrangement to repay my debt to stop any negative information against my credit??

 

thanks:?

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Hello

 

I have a question about calculating interest charges on the Advance excel sheet. I am a bit confused and have read the instructions/other threads but still not clear how to calculate it or what figure to use in colum H - i.e "interest charged".

 

how do i find this on barclays bank statements? Is is the unauthorised overdraft interest figure charged on a specific date?? Please help.

 

thanks

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  • 3 weeks later...

Hi all,

 

Just an update as to where i am with my barclays claim (just in case anyone is interested to respond!!!!)

 

I have received an offer from them, but sent them the rejection letter, accepting their offer as part payment. They refused my request, so i sent the LBA giving them 14 days. I called them today to get an update and was told that they will not be making anymore offers and that was thier final offer.

 

My question is, they have not stated whether they will pay their offer of 900 for a claim of 1880.00 - should i call to ask them??

 

- Secondly, i wanted to find out whether or not its too late to request "for any manual intervention". I had all my statments so i didnt send the SAR request letter.

 

I hope someone on this site will eventaully respond to my Q:cry:

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Hi all,

 

Just an update as to where i am with my barclays claim (just in case anyone is interested to respond!!!!)

 

I have received an offer from them, but sent them the rejection letter, accepting their offer as part payment. They refused my request, so i sent the LBA giving them 14 days. I called them today to get an update and was told that they will not be making anymore offers and that was thier final offer.

 

My question is, they have not stated whether they will pay their offer of 900 for a claim of 1880.00 - should i call to ask them??

 

- Secondly, i wanted to find out whether or not its too late to request "for any manual intervention". I had all my statments so i didnt send the S.A.R - (Subject Access Request) request letter.

 

I hope someone on this site will eventaully respond to my Q:cry:

Hi Egarbeaver - sorry you feel ignored. I am not an expert but in answer to your questions - in my experience they will withdraw the offer of part payment ( they did with me anyway) so after the 14 days are up you should proceed to the small claims court.

 

In regards to your second question i'm really not sure but what harm can it do?

 

Hope that helps and good luck mate.

Regards Sandbag.

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  • 1 month later...

Hi

 

I have received an acknowledgement of service from Barclays. I know i have to write to their legal team with a copy of my schedule of charges, but my question is - do i just send the schedule of charges only or the schedule showing interest ( i am claim CI).

 

Hopefully someone will take the time to reply!!!!!!!!!!

 

thanks:)

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I'm not as far aghead as you but I will try and help. Did you do a MCOL or the N1 down the court?

 

I think and repeat think if you used MCOL you should have sent a copy of your schedule of chages to the court and barclays the day you started the claim. Someone else might be better to give you information

23/02/07 Request for payment sent (hand delivered to my local branch)

08/03/07 Standard Letter from Barlclays saying they are looking in to my complaint received

13/03/07 Letter before action sent (hand delivered to my local branch)

27/03/07 Partial offer of £1255 received

29/03/07 MCOL submitted

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Thanks Shuff for responding.

 

I sent my claim via N1 route, and included a schedule. I wanted to know whether i should include another schedule showing how much interest so far to barclay's solicitors who are now dealing with the claim.

 

thanks

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