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dodgy v barclays


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I have calculated £860 is charges over the past 60 months.Do i send 1st letter to this address

 

Barclays Bank PLC

1 CHURCHILL PLACE

LONDON

E14 5HP

 

the same as i sent the SAR to? thnx

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Sent SAR

Got statements.

£800 in charges over 6 years, i was going to claim for just the charges, but at the last moment i downloaded a excell spreadsheet that worked out the interest from the date i was charged.

 

This ADDED another £250 to the claim.

 

Well worth 30mins of my time don't you think.

 

prelim sent 23-1-2007...

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  • 1 month later...

Sent LBA 2 weeks ago after rejecting a 50% settlement.

 

I need to move to court action, i was wondering if thr online money claim was easier to use?

 

any thoughts?

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Hi dodgy, it's not so much about it being easier, it's just a bit more instantanious than using a hardcopy form. The only problem I have with MCOL is that it isn't very flexible and doesn't allow much room for particulars of claim, and that you have to send a schedule of charges separately.

 

Still, it's down to personal choice :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Start with this.

 

Please note this bit really does have to be right, so come back and ask more if you need to.

 

Your big decision is whether to use the online claim service (MCOL) or submit the forms via your local court. Both work fine but personally I'd go for submitting via the court as you don't have that character limit to work to.

If in doubt read the

FAQs

 

If still in doubt - ask!

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In the 'Brief details of claim' section, shall i notate all communications to date, or is this left untill they offer a defence and a date is set??

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No, that stuff goes in your trial bundle (if it gets that far). As the FAQ says Brief details of claim just contains:

 

Money claim for return of penalty charges applied to the Claimants bank account by the Defendant

 

 

If in doubt read the

FAQs

 

If still in doubt - ask!

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  • 2 months later...

Got a "Notice that acknowledgement of service has been filed"

It goes on to say the defendat has 28 days to file a defence (16 may).

 

do i have to do anything? or just wait. thanks

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Just wait until you hear from the courts.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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  • 3 weeks later...

I have recieved from the courts a defence from rosemary brown from @ barclays, seems to be standard 12 point defence.

 

What do i put in the allocation questionaire? there is also papars with reference to a mediation service via the national mediation service. Is this an option ?

 

thnx.

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Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Hi Dodgy

 

You might also want to take a look at this;

 

 

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html

 

 

Good luck

 

FC

Barclaycard: SETTLED AFTER LBA

Barclays 1: AT COURT

Barclays 2: WITH FOS

Capital One: SETTLED AFTER N1

Egg: SETTLED AFTER LBA

HFC: S.A.R - (Subject Access Request)

Lloyds TSB: S.A.R - (Subject Access Request) - WITH Information Commissioners Office

RBS: AT COURT

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Yes , complete the AQ as per link for New Strategy for AQ's.

 

Decline the offer of mediation on the basis that Barclays have refused to properly respond to your 2 earlier requests for refund.

 

Good luck.

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I started a claim in jan 07 with SAR, by the time i got to filing court papaes it was april. I have to send in my AQ 2moz and although barclays submitted thier standard 12 point defence - they are claiming i cannot persue monies before april 2001. Do i need to submit another spreadsheet with more recent charges? and how do i alter the ammount claimed? Or do i proceed regardless.

thanks .

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use this:

If the charges are time barred by virtue of section 5 of the Limitation Act (1980) then I contend that the defendant has concealed, and continues to conceal that the charges debited are unlawful. If this is not the case, and the defendant truly believes that these charges are lawful, then I contend that the defendant is mistaken. As I only became aware during April 2006 that the charges debited were unlawful, then section 32(1)(b), or section 32(1)©, of the Limitation Act 1980 should apply, and the charges debited are therefore within the primary limitation period.

.

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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Dodgy, you now have 6 threads open for this claim, please keep to one thread, it makes it so much easier to read.

 

I will get your threads merged.

 

Please just use the REPLY button.

.

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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