Jeystone vs Barclays

[jeystone]

Just about to start a claim against Barclays. I will keep you posted. Wish me luck. and any help will be appreciated

[jeystone]

Well after a bit delay Barclays have sent us "Copies" of statements in a rather different format than we are used to???????????????

[Advoc8]

That's normal - all the information should be there though.

[jeystone]

Thanks. We are ploughing through them this weekend. 6 Years of bank statements an not really knowing what we are looking for???

[sandbag]

Thanks. We are ploughing through them this weekend. 6 Years of bank statements an not really knowing what we are looking for???

Hi Jeystone - i looked for

 

paid referrals

unauthorised overdraft fees

unpaid direct debit fees

most of my charges were around the £20 to £35 area.

hope that helps

Regards Sandbag.

[jeystone]

Well we seem to have found £530 in "paid referrals" whats next please??? Letter 2 I assume???

[Advoc8]

Well we seem to have found £530 in "paid referrals" whats next please??? Letter 2 I assume???

 

That's right.

[jeystone]

Whats the "SCHEDULE OF CHARGES"

[Advoc8]

That's the list of all the charges that you've just drawn up, showing date of charge, amount of charge and what each charge was for.

[jeystone]

That's the list of all the charges that you've just drawn up, showing date of charge, amount of charge and what each charge was for.

 

Thanks I just found the excel docs

[jeystone]

We have had a reply from Barclays and they said basically no. They are not going to refund us our bank charges.

 

 

Next step please???

[Guest Mumofthreeboys]

We have had a reply from Barclays and they said basically no. They are not going to refund us our bank charges.

 

 

Next step please???

 

Did you really think they would just give your money back because you asked for it?

 

Read this

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html before you go any further.

[dar£n]

Jeystone,

Listen to mum, she knows best.

You NEED to read up on what you are doing, you cant simply do this blind, If, and I mean IF it doeas actually go to court you need to know what and why you are claiming for.

if in doubt always ask before taking action OK

[jeystone]

I have read loads on this website and it is an excelleant source of info if a bit overwelming at times. It would seem that I should do a "letter 4" which I can do but it does not refer to the bank saying no??????

 

How many cases acutally go to court and what are the costs of saying you will go to court

[dar£n]

The letters are only a guide, you are to amend them accordingly to match your individual claim.

simply enter something like, You are not happy with the decision made not to comply with your request to repay the charges that were wrongfully taken from your account and you fully intend to take it to the small claims court in order to recover all charges imposed

 

it would help if you posted a copy of the letter of rejection on here so we can analyze it better

[jeystone]

The letters are only a guide, you are to amend them accordingly to match your individual claim.

simply enter something like, You are not happy with the decision made not to comply with your request to repay the charges that were wrongfully taken from your account and you fully intend to take it to the small claims court in order to recover all charges imposed

 

it would help if you posted a copy of the letter of rejection on here so we can analyze it better

 

 

Here is the letter. Sorry if Page 1 is a bit fuzzy but I only have paint to edit the personal info out. I expect you should be able to zoom in and read it tho

 

 

[dar£n]

lol:o

when I said post the letter on here, I meant type it in as a quote, what they wrote, like this

Dear Mr Jeystone,

Get lost we're not giving you your money back

 

 

by the way if anyone is thinking the example of the letter IS an example

[jeystone]

May I say how sorry I am to learn that you feel the bank charges you have incurred are Unfair. In your correspondence you have referred to elements which you fee support your claim. Barclays is aware of the information you have drawn to our attention. I must inform you however that we disagree with your view.

 

When an account is opened with us, our customer is provided with a copy of the terms and Conditions relating to the use of their account; including details of charges. This information clearly explains our obligations to our customers as well as their obligations

to us. If we make any changes to the terms and conditions we provide details of these changes to our customers in line with the banking code. Details of our terms and conditions along with our charging tariff can be obtained at any of our branches or via our internet web site www.Barclays.co.uk/woolwich.co.uk.

 

In view of my comments above, I am unwilling to refund you the charges you have incurred as requested. If you are dissatisfied with my response, you may ultimately be eligible to refer to the

financial Ombudsman Service. The leaflet sent with our letter of 07th March explains our Complaint process and provides details regarding the financial Ombudsman Service.

 

In accordance with our standard practice, if I do not hear from you to the contrary within Eight weeks from the date of this letter, I shall assume that your complaint is resolved and close the file

 

Yours sincerely

 

Laurence White

[dar£n]

Good news for you is that this is a std reply from Barclays.

Dont be surprised if you get a letter offering a couple of hundred quid to shut you up in the next few days.

 

Go to the next stage, LBA.

[jeystone]

Lodged (if thats the right phrase) in Court today against Barclays £800 plus I think. The clerk in the court was very helpful. He said there are hundereds of these going on and he has never seen one go to court yet?

[CAZKATJOE]

LOL PMSL, I have to say that bit with the letter was hysterical, it made us all laugh in my house, very funny.

 

Good luck hope all goes well with your claim.

[jeystone]

Just got a letter from the courts.

 

The Defendant (Barclays) Acknowledgement of Service on 15 May

The Defendeant responded to the claim indicating an intention to defend all of the claim.

The Defendant has 28 days from the date of service of the claim form with particulars of the claim, or the particulars of claim, to file a defence

[saintly_1]

Getting closer to getting your money back

[jeystone]

Getting closer to getting your money back

 

Just got a letter from the courts saying that the defendant (Barclays) has filed a defence.

 

A seemlingly standard letter that seems to be have been folded and photo copied 200 million times as some of it is faded right out.

 

Bascially they seem to be giving out the standard waffle of why they dont want to pay. (its 2 1/2 pages so dont ask me to type it please.

 

Any help or advice would be appreciated as I dont want to be another test case and loose???

[saintly_1]

Is point 1 The claimant hasnt provided a complete breakdown of charges .. or words to that effect ?