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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Claret74 V s Barclays.


claret74
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Hi All,

I'm new to posting in this forum but have been reading it for some time.

Last week I wrote to Barclays to claim back bank charges on my personal account and my joint account. Both have different account numbers( Huh obviously you might say!) and they have different sort codes. Today I received 2 identical letters. My first complaint is I signed the letter Mrs Clare Carter and both letters came back today addressed to my husband! Mr Carter has not written to the bank so why are they writing to him?!

The content of the letter is thus:

 

Dear Mr Carter

RE; Sort Code 201854 account numberXXXXX (Now both letters have the same sort code and account number despite writing to them about 2 seperate accounts)

I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible.

May I take this opportunity to explain that whilst we endeavour to respond to you within timescales outlined in your letter, we cannot guarantee that we will do so.

Sometimes it does take longer to fully investigate a complaint. However we do aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report or an update on our progress will be sent to you within eight weeks.

 

Please refer to the enclosed leaflet which provides you with a more detailed explanation on how we will deal with this matter.

Should you wish to discuss this matter further, please do not hesitate to contact us on 0207 116 4561 or via freephone 0800282390,

Yours sincerely,

Mike Brophy,

Customer Relations Manager.

 

My questions are as follows:

  • Should I phone the bank regarding the wrong name on the letter?
  • Should I also discuss the fact that they have written 2 identical letters about the same account rather that the 2 seperate accounts?
  • Is this a standard letter?

Please help,

Clare

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Hi All,

I'm new to posting in this forum but have been reading it for some time.

Last week I wrote to Barclays to claim back bank charges on my personal account and my joint account. Both have different account numbers( Huh obviously you might say!) and they have different sort codes. Today I received 2 identical letters. My first complaint is I signed the letter Mrs Clare Carter and both letters came back today addressed to my husband! Mr Carter has not written to the bank so why are they writing to him?!

The content of the letter is thus:

 

Dear Mr Carter

RE; Sort Code 201854 account numberXXXXX (Now both letters have the same sort code and account number despite writing to them about 2 seperate accounts)

 

I am sorry you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible.

May I take this opportunity to explain that whilst we endeavour to respond to you within timescales outlined in your letter, we cannot guarantee that we will do so.

Sometimes it does take longer to fully investigate a complaint. However we do aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report or an update on our progress will be sent to you within eight weeks.

 

Please refer to the enclosed leaflet which provides you with a more detailed explanation on how we will deal with this matter.

Should you wish to discuss this matter further, please do not hesitate to contact us on 0207 116 4561 or via freephone 0800282390,

Yours sincerely,

Mike Brophy,

Customer Relations Manager.

 

My questions are as follows:

  • Should I phone the bank regarding the wrong name on the letter?
  • Should I also discuss the fact that they have written 2 identical letters about the same account rather that the 2 seperate accounts?
  • Is this a standard letter?

Please help,

Clare

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Hi and welcome,

 

The answer to your first two questions is yes. ( at least that's what I would do). Your third, yes that's a bog standard reply, they will stall you as long as possible. Stick to your timetable.Have a look in the Barclays forum, there's plenty people there willing to help you.

 

Best wishes with your claim.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Scott,

Thanks for replying.

I have posted the same message in the Barclays Forum earlier this evening and as yet had no replies. I'm sure they'll come thought, everyone seems really helpful to each other.

I was really p****d off with the letters back to my husband, what would have happened if he did not know that I was claiming (as is I'm sure the case with some people)?

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Hi Clare,

When BOS first sent me their offer, it had the wrong house number and the wrong post code, god knows how it managed to find me. Seems they have some wee lassie typing out piles of letters and she has not got a scooby! Still got my cash in the end, so can't complain.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Scott,

I think they must mistype our letters in the hope that we won't get them!

Did you pull them up on the mistake they made with your house number and post code?

It's great to hear that you have had some success with Barclays, they seem to hold out to the very last minute don't they.

Do you have any words of advice??

I'm just at the start of all this and looking to claim £3400 without interest. It would be sooooooo lovely to get it all back.

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I had the same thing, Im claiming for two accounts and every correspondence from barclays returned with reference to just one, I have been advised on here to make sure YOU always refer to the two accounts when proceeding.

 

good luck

.

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 had exactly the same letter from the same Mike Brophy this morning regarding my business account. What do they mean find a solution within four weeks but a report or update should be with you within eight weeks!!?? It must be a delaying tactic and a standard letter they now send out. So what next??

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Firstly mate, you need to open a thread of your own [spooner v barclays for eg]

Your first letter asking for the charges back would allowed 14 days.

following their reply a LBA again allowing 14 days

they will respond with a partial claim or say they are unable to reach a mutual agreement.

if they do or dont bother replying after 14 days start your claim with MCOL.

make sure you send the bank a schedule of your claim before starting with MCOL.

.

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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Yep, Ive had the same letter nearly word for word, the next day I got a letter of their offer as a goodwill gesture which was accepted under the conditions i would pursue the remainder. if you hear nothing send your LBA.. keep going your on the right track

.

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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Firstly thanks for the help and advice its appreciated. In total I'm owed around £500 pounds on my business account. Barclays gave me some very dodgy and false info when i set the account up. They told me I'd ahve to pay £700-800 to set up an overdraft facility of £500!!!! Needless to say I found this a bit strange. The £500 they owe me is from going overdrawn when I didnt have the facility. I have now switched accounts so I'm in no rush for the money which is why I will take it all the way.

 

So from what you are saying you recived a letter shortly after the standard one offering a part payment as settlement??

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YES the next day, but they were signed by two different people which suggests they dont even know what their own department is saying to customers, they are so slack which is why theyre losing out, hee hee.

good news for us though.

To be honest I cant see it lasting, surely they will find a loophole to get them out of paying up sooner or later.

.

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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Well you would think they would come up with a way off not paying other than stalling people for as long as possible!! I'm sure all the banks between them would of got the best legal eagles on the case working round the clock to come up with something but obviously there isn't much they can do. They haven't stopped charging customers so it appear the money they are taking off people still outweighs the money they are paying out.

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Barclays are so lazy they dont really do their job properly, what it sounds like they have done is responded to your letter for 'MR Carter' and then to the 'MRS Carter' but the admin staff forgot about changing the details, they probably just 'copy & pasted' your std letter, either way dont worry, as long and you referred to and always do in future correspondence with them stating BOTH account numbers you will be okay.

.

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 would wait for the 14 days to pass, I had a letter off Barclays on 9th saying now way would they entertain the idea of repaying the charges but then on the 10th I had another letter from another member of staff in the SAME department offering the 'offer of goodwill gesture'.

If you always let your deadline pass, they cant throw it back in your face later and you can calmly say, 'You had acceptable time limits to work with'

I know 14 days seem far away but you will look back and think it was worth the wait.

.

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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  • 4 weeks later...

Try this one ...this is the simple spreadsheet that works out the 8% statutory interest. Remember though that you dont include the interest until you file your court claim

 

http://www.cag-files.co.uk/barracad/Spreadsheets/England/Simple-charges-calc.xls

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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