mum22 Vs Barclays

[mum22]

still sat here waiting for my statements, has been 21 days now since barclays received my telephone request and 14 days since i sent the SAR thingy, got a letter from barlays this morning returning my cheque and stated due to being inundated with lots of requests my statements may take a few more weeks - i dont think so, you have 40 days matey, and if nothing through by then ill be kicking up a fuss.

 

I really really cannot see what takes so long anyway, so what if they are inundated its not my problem, surely ordering these statements cannot be any harder than a couple of mins for someone to type someting in a PC!!

 

Anyway, still waiting, but reading up on everyone elses threads, by the time my statements get here, ill be somewhat of an expert after reading everyone elses stories (well i can hope at least!!)

 

Well let you know when i get them.......................

[mum22]

ok got my statements back this moring - took exactly four weeks from the telephone request.

 

Anyway been shifting through all six envelopes, and 1 realise i spend an awful lot of money on a load of crap and 2 that barclays owes me £735, (i was kinda hoping for a lot more than that but hey ho its still a lot of dosh!!)

 

Right so now im off to read the FAQs (again!!) just to make sure im doing everything correctly (i should know those FAQs off by heart now!!) and will get my request letter sent this weekend.

 

Anyway does anyone know that becuase its only a realtively small amount im claiming are they more likely to pay up quicker without all the court threats etc or is it a case of they are more likely to hang on to becuase they dont feel ill bother with court for a small amount??

 

Whatevre the case if i have to go to court then so be it, just would like money sooner rather than later but must remind myself that its money i was never expecting so whatever the wait it will be woth it!!

 

Feel like i can really start joining in on all the fun and games now!

[dar£n]

first of all, go through your statement again to check you havent missed any..

did you look for all three of the charges over the last 6 yrs

 

when youre happy with the amount go here.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

[mum22]

ok statements double checked, also got oh to check them too and nt found any fidden extras

 

prelim letter sent by recorded post this morning, to which i understand they have 14 days to reply, allowing them 2 extra days in which to receive it so this would make it the 11th April by which they should respond.

 

Now is this 14 working days or 14 straight days (got a feeling its 14 straight) and i dont have to worry about allowing them extra days for the weekends and the easter break?? If im wrong will somone let me know, dont want to go getting all bolshy on the 11th if its too early??

 

thank you

[Advoc8]

It's up to you really! 14 calendar days from receipt would be reasonable, though if you're feeling very reasonable add another couple of days on for bank holidays.

[mum22]

thanks for the reply - will give the 14 straight days, im pretty sure if the situation were to be reveresed they wouldnt be so understanding towards me!!

[dar£n]

but then again, how reasonable have Barclays been????

 

 

sorry mum, you beat me to it.....LOL

[Advoc8]

im pretty sure if the situation were to be reveresed they wouldnt be so understanding towards me!!

 

I'm shocked you could even begin to think such a thing

[dar£n]

LOL

 

PMSL

 

LMAO

 

;-)8)

 

 

[mum22]

just an update -

 

received letter from barclays this morning, the standard rubbish about how their sorry i feel the need to complain etc etc and will get back to me with an update by 27th april................

 

due to send lba on the 11th april, so only another 7 days to wait before i can move onto the next step, certainly not hanging around for them and allowing them extra time as requested.

 

I have read enough on here to know that im in charge and i set the timescales, its just a matter of a waiting game and reading up on my stuff for the next step.

 

bex

[mum22]

not sure if this is related to claim against barclays or not BUT i have just tried to log in to my online banking thingy and got a message up saying i have been denied access due to security reasons!! - i know for a fact that the details i entered are corrent as i have them written down in front of me, i also tend to log on once a day to check my balance etc and they are the same details i have typed in every other day!, its not saying my log in was incorrect or anything though??

 

Please tell me this is just a conincidence and not them being bloody awkward just becuase ive threatened to take them to court!!

 

Oh god i did get halfway through setting up a parachute account but didnt bother sending my forms back, i think now would be a very good time to be sorthing out another account pretty quick.

 

Even if its not to do with my claim then its pretty shoddy service, i mean the log in details were 100% correct, my account is well in credit so why would i now be denied access, im certainly not a security risk!!

 

anyway the 14 days is up tomorrow morning so will be sending off the LBA first thing then ringing them to complain at the shoddy online banking service they offer!!

[dar£n]

mum, more than likely its a coincidence, prob completeing maintenance on the site, I would try in an hour or first thing in the morning, if its still the same, go into your branch,

or

Hopefully this insnt the case but,,,

if someone has tried to access your account and entered the details wrong more than I think 5 times then the account is automatically frozen until you contact the supoort team.

[dar£n]

I have just tried mine [2234hrs] and logged in with no problem.

 

 

silly question but,,,,,

youre not logging in with your CAPS on are you?

 

sorry to ask the obvious.

[mum22]

phew panic over, rang barclays said there was a problem with the online banking which is why i could not enter, nothing to do with me entering wrong details but all sorted now, or it will be as they need to send me new log in details now - hope to god no one was trying to get access to my online banking stuff - girl on the phone didnt know just said it was due to security issues - so even if someone was trying to get access its been denied and new details have been sent to me - so i spose i better take back the shoddy comment i made re the online banking looks like its quite good after all!!

 

Anyway back to the matter in hand, just about to head off to the post office with my LBA, so the clock can start ticking again for the next 14 days............ so by my reckoning allowing them two days oto recieve it then my 14 days deadline they have until the 27th April to respond with all my cash or ill be filling my claim with mcol - now might be a good time to have a read up on all that i think!!

[mum22]

had another letter from barclays saying it will now be the 14th may before they can get back to me after looking into my complaint..........

 

looks like they are not even going to bother making me an offer........

 

anyway time to file with MCOL on friday, but just some questions on that

 

In my original request to barclays i requested just £735 which was my total charges without the overdraft interest, when i file with MCOL can i now include the overdraft interest or is that one now too late, as i had not mentioned it in either my original request or my lba?

 

Thought that maybe Barclays would have made me an offer especially as im only claiming a relativey small amount, but looks like i will be going down the small claims route afte all!

[dar£n]

Hi mum, you are doing great.

Your first request doesnt include the interest. [tick]

Barclays wont reply now,

After the 27th file with MCOL [this will cost either £80 or £120 depending on if it goes over the £1000].

When filing you add your 8% and the fee will be added automatically.

 

any help needed on MCOL either get bact on here or go into the chatroom.

 

good luck

[mum22]

just about to file with mcol - wish me luck

[dar£n]

like youre gonna need it, yeh okay!

 

"good luck"

 

if you get stuck shout up or go in the chatroom ok

[mum22]

arghhhh im stuck and cant find the chatroom, directions would be good please!! if anyone is reading this jsut need a tiny bit of help before i hit submit - im at the very last bit of the mcol form and it says the total amount to be claimed - now in here do i put my total charges 735 or do i put my total charges plus the 8% interest which would make it £833 odd - just need the answer to this one and i can hit submit!!

[mum22]

i dont mean the total amount i mean the bit where it says amount to be claimed, the bit before i add on the cour costs..

[mum22]

ok found my way to the chat room got the info i needed, mcol is completed, the submit button has been hit and paid £80.00 with my debit card.

 

So whats the craic now then, i take it it will say something like served to barclays in a couple of days?? and then they have 14 days to acknowledge - am i right?

 

to anyone yet to file with mcol, it actually was not anywhere near as bad as i thought it was going to be, especially with the information i found on here, so go for it!

[mum22]

ohhhhhhhh nooooooooo just a thought, i didnt need to detail each charge with my mcol did I????? like the schdule of charges thing or anything?? or do they ask for this at a later date??

[saintly_1]

ohhhhhhhh nooooooooo just a thought, i didnt need to detail each charge with my mcol did I????? like the schdule of charges thing or anything?? or do they ask for this at a later date??

 

From what i have read you now send your schedule of charges to mcol then when B's acknowledge you send another copy to them (B's) but im no expert so wait see if someone else replies

[dar£n]

mummy have a read here and see if it is what you did.

Im surprised that you had enough room on MCOL to file details of you SOC.

You can send a correct POC /SOC to be added to your claim so dont worry too much

 

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

 

and

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html?highlight=completing+mcol

 

and

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47344-claim-too-vague-defence-3.html

[mum22]

cheers for getting back to me - in the statment box bit, i just copied and pasted the particulars of claim info on here (changing the bits in red to match my own details though), it all fitted on - please tell me i have done this correctly???

 

if i have i guess the next step is to send my soc to mcol now?

 

starting to feel nervous now as i havent a clue what im doing, i can see now why barclays hold off on making the payments as i bet loads of people back out when it gets to this stage, i really dont want to be one of those....................