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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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crow V Barclays **WON**


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Hi all!

 

Have been reading the forum with interest for a few weeks, sent off my spreadsheet and recieved a standard reply within 2 days! Barclays have given themselves an additional week to respond fully but will not be letting them have it. You have all been incredibly motivational up to this point and I look forward to carrying on the fight. Will let you know how it all goes.

 

1st letter: Jan 8th (3k without 8%)

Standard reply: Jan 11th

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Hi all,

 

It is now 14 days since I sent my first letter demanding money. I am now sending LBA (I think that is right move next) but just want to check a couple of things:

 

In the LBA it states -

 

I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].

 

Does this not include the standard 'will contact you when we feel like it' reply. Also,

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

Is this right os every bank account? I dont want to say this if it isnt true but guess it must be.

 

Thanks for any help.

 

 

1st letter: Jan 8th (3k without 8%)

Standard reply: Jan 11th

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Hi Crowe.

 

If the bank's response was not a positive and acceptable response then it was not a response.

 

Any contract that does not comply with the law is unenforcible, therefore it is implied that they will conduct themselves in a lawful manner in all respects in connection with that contract.

 

Always, stick to YOUR timetable and don't let the bank try to impose theirs.......You're driving this bus and you decide what time it runs.:D

 

Good luck.

Regards, Rooster.

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Thanks for that Rooster. I am a bit concerned about the LBA as it says something like '...you have charged me in overdraft interest' but I havent worked this out. I have worked out the 8% (which I believe is to go on in a further 14 days when I file with the court) but am pretty sure I ignore this at the moment. Anyway, does this look right as I am not claiming the overdraft interst?

 

...integrity and expertise as my fiduciary.

 

I am enclosing a copy of the schedule of the charges which I am claiming, totalling £3,040. I have already sent you a copy of this in my original letter of the 22 January 2007.

 

 

I require repayment in full of this money. ..

 

Many thanks - have to send this tomorrow and really dont want to get things wrong.:-|

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As well as the above I am not sure if I can add charges they have added to the account since my initial letter (£90 worth). Do I just say ' I enclose a copy of my schedule including additional fees' or something like that?

 

Many thanks.

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  • 2 weeks later...

Can anyone help me on a prob please...

 

I posted my LBA on the 23rd on Jan, but due to the snow blah, blah, it didnt reach Barclays until the 28th. Have people been fair and given BArclays 14 days from receipt of LBA before going ahead with MCOL or should I stick to my original dates? I know it is only a little Q but want to make sure everything is correct. Cheers

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I am going to ask this question in the hope that someone replies...

 

I have read that you should send a copy of schedule of to MCOL after you have put a claim in, but then other people say you shouldnt do this until you have an AQ - I am a bit confused.

 

What should I do immediately after starting a claim on MCOL - thank you.

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Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the

above claim.

 

Yours sincerely,

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Yet another couple of questions...

 

I have had a letter from the court, about a day after I filed on MCOL, would that be the notice of issue or notice of acknowledgement? I didnt have anyhting like that written on it. Also,

 

How will I know if Barclays have filed a defence? Will it be something on MCOL or something sent to me?

 

Many thanks

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Hi,

 

I have been waiting for what seems like forever for Barclays to file a defence (they have until the 27th) - how will I know when they have done this? Will something happen to MCOL thing below?

 

Description

Defendant

Claim

Judgment

Warrant

Money claim for Barclays Bank PLC Issued(08/02/2007) Start

 

 

Cheers

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If Barclays respond to the claim it will show as Acknowledged with the date the court recieved the acknowledgement. When I did mine it took them about 2 weeks to acknowledge the claim and say that they were defending.

If you want any update on your claim then I would advise phoning MCOL customer service (phone number on their website) they are very helpful and can give you more information over the phone than is available when you log on via the website.

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Hi,

 

I have been waiting for what seems like forever for Barclays to file a defence (they have until the 27th) - how will I know when they have done this? Will something happen to MCOL thing below?

 

Description

Defendant

Claim

Judgment

Warrant

Money claim for Barclays Bank PLC Issued(08/02/2007) Start

 

 

Cheers

 

In answer to this question, wait until the last minute or beyond as they prob wont enter it before this. lol

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It is now the 27th and MCOL is not letting me start a judgement!!!!!!! WHY?? On my paperwork it said they had until the 27th to file a defence, does that include today? Should I therefor be starting a judgement tomorrow? This is getting flipping frustrating.

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You'll find they prob file it today or even tomorrow. If not by then the general feeling is to write to them giving them 7 days this way you have shown you have acted reasonably and it will avoid your case getting stayed which could hold it up for several weeks.

 

JMHO

 

Could you give me an idea of what to say - I am terrified of putting myself in it with them.

 

Would it be along the lines of 'As 14 days have now passed since you were issued I would request a full refund of the monies requested to avoid a judgement'?

 

Cheers

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don't panic mate , you said you filed your claim on or around the 7th feb.

they have 5 days for it to be served.

14 days to acknowledge.

14 days to defend , giving them 33 days in total.

you have until around the 12th of march for them to defend , but you should recieve a letter from MCOL letting you know they have acknowledged .

so don't worry , just keep on waiting , they will defend no doubt.

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  • 2 weeks later...

Barclays have not submitted a defence and I am now eligible for a judgement. Can someone please suggest the best way forward from here. I really want to start a judgement (just because I can) but am aware thet this might not be the best way to go.

 

If I send a letter what should go in it?

 

Any help very much appreciated. Thank you.

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Barclays have not submitted a defence and I am now eligible for a judgement. Can someone please suggest the best way forward from here. I really want to start a judgement (just because I can) but am aware thet this might not be the best way to go.

 

If I send a letter what should go in it?

 

Any help very much appreciated. Thank you.

 

 

They will prob enter it late.

 

If you want you can write giving them a further 7 days to do this or you will be applying for a judgement.

 

Keep it short and sweet as you will prob find they will enter one anyway, late, and it will be allowed. Not fair I know but they seem to be allowed to do this.

 

Tanz

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