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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Jeystone vs Barclays


jeystone
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Thanks

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  • 1 month later...
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.

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  • 1 month later...
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.

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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

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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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

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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

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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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

scan0002.jpg

 

 

scan0003.jpg

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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 :D

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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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

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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.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 3 weeks later...

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?

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  • 1 month later...

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

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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???

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