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Help! Any advice?!! L'il Me v's big scary barclays..


bozzie
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Hi!

 

Am currently attempting to claim back charges from barclays - Im at the stage now where i've applied to the court, and just before i was able to enter a judgement by default they stepped in and acknowledge the claim!!

 

So they now have just under 2 weeks to enter their defence - and i'm getting frightened now!

 

Any body in a similar position can offer me some morale support?!!

 

Does anybody know if they are likely to enter a defence? Am i actually going to have to take this baby to court? (im brushing up on my 'objection your honour' just in case....)

 

Yours scaredy cat-edly!!

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I'm not far behind you. Barclays have until the 5th April to defend my claim. They will probably put in a defence, don't worry this normal for barclays. They will settle before court date. When you get a court date give barclays a ring about 2 weeks before.

 

Keep your chin up, your nearly there.

 

HTH

 

madhouse5:)

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Hey!

I'm about a couple of weeks behind you! Like Madhouse said don't worry, these banks for all they say - DO NOT want to go to court and explain their charges.

Just read up like you've been doing so you feel more comfortable with everything. And remember theres lots of us who are going through exactly the same thing as you, you're are not on your own:)

Don't worry you'll get your money soon, well soonish!!!!!:D

Tori

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Hi!

 

Thanks - its good to know im not on my own! Never done anything like this before so im a bit unsure... And everyone else I know is waiting to see what happens in my case before they try, feel like indiana jones on a crusade!!!! Im scared to speak to anyone at the bank now - feel like i'm back at school lol!

 

Not sure if its connected but since i started this with barclays, barclaycard have written to me telling me my credit limit has been reduced, i can no longer withdraw cash on the card (which i have NEVER done!) etc etc...

 

Considering i only owe £23.46 (which i've now paid!) and have never missed a payment, made a late payment, always paid at least double the minimum payment i didn't see the reason behind this - unless its the fact im claiming charges from barclays.... Just a theory, wondered if anyone else has had similar?

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I had the same thing happen about a week ago, but didn't put the two things together!!! Surely they operate as two seperate companies?!! If it is the case because I'm claiming against Barclays that they have reduced my credit limit, can't I claim my charges back from both of them at the same time!!!!:D They are just a bunch of cheeses - Right BarclayCard are next on my HIT list!!!

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Hmmm, the plot thickens!!!

 

I actually rang barclaycard customer services to ask why my credit limit had been reduced, and the guy i spoke to said he could see no reason for it at all. Which of course there wasn't.....

 

I too was under the impression that they operated as 2 separate companies, but now im not so sure - i'm getting a slight feeling of intimidation tactics!

 

humph!

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  • 2 weeks later...

Its the scared one back again!

 

However im getting a little bit excited now..... To bring you up to speed Barclays have until TOMORROW (2nd April) to file a defence to my claim, and i shall be waiting with my finger poised over the 'judgement by default' button...

 

Anyone in a similar position? I was expecting them to have filed a defence by now, if i win by default does anyone have any idea how long before i'll actually see some cash?!

 

Thanks!

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sorry to throw a damp cloth on your iminent celebrations.

Barclays will defend,

going on recent activity at Barclays it seems they are following this rule.

claims upto £500, they are settling without question.

Upto £1000, trying it on with a settlement without argument.

over, playing the waiting game until 2 weeks before the court hearing.

 

dont worry, at this stage they STILL have no intention of defending in court. its a game of chess, however, YOU will be victorious

 

you should change your post to Lil SCARY YOU v Big wimp Barclays LOL

.

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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Lol i might just do that!

 

Time is ticking away, today is the last day for barclays to file their defence (i'm still kind of hoping my paper work has been overlooked on someone's desk somewhere, or is lingering under a 2 week old cheese sandwich at the bottom of a wastepaper basket!)

 

Maybe if i just sit here really quiet they will forget about me?!

 

Lol

 

I just want to see my cash now!!

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a1494.gif Boozie...Thats what i'm doing..m81.gif..I want to phone them but at the same time i don't want to spur them into action a1207.gif by reminding them about my claim...(they have till 10th april, just after easter weekend, to enter a defence after they acknowledged on 27th march)
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For info, should you be able to get default judgment, Barclays WILL apply to get it set aside. Other banks don't and just pay up, but Barclays, for some reason, do not want a CCJ under any circumstances, and will not just pay up and shut up. (someone should tell them that if they pay up within a month, they could get the default wiped anyway. :rolleyes:)

 

The odds are, as D3rn says, that they will enter their defence last minute anyway, they have become experts at it, after all, they have had plenty of experience in the matter now! :lol:

 

If you want me to change the title to something more suitable, let me know. ;-)

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:? This is just getting scarier and scarier!!

 

WHY oh why did i have to bank with barclays?!

 

So if that happens after i've asked for a judgement by default, what happens then?

 

Will this ever be over? Will I ever indeed get my money back? I cant take the pressure!

 

lol

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Why scarier? :-? You've got them wrong-footed. What's scary about that?

 

If they apply for a set-aside, they are likely to get it, you may or may not have to go to a hearing of you want to dispute it. After that, the case will be back on track, defence, AQ, exchange of info and it should be hearing, but in fact, settlement. All it means is a few more weeks delay.

 

I think your problem is that you haven't read enough, so everything that happens is unexpected and therefore scares you. I suggest a lot of the reading, starting here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

then read lots of the successes threads, you'll find all sorts of scenarii in there, but with only one ending: people got their money back. That should tell you something. ;-)

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Thank you for all your advice.... I have read endless amounts on this, and still am not sure of anything! lol. i've never done anything like this before - who knows may be next on my list!!

 

I just have this terrible feeling that if there is going to be a first, the first ever case where the bank wins, it'll be me!! Thats probably due to the extreeeeeme run of bad luck im enjoying (!) at the minute...

 

Well, am bracing myself for the next step... I shall be depressing the 'judgement by default' button as soon as their time is up...

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Bozzie,

I was just like you, thinking my case would be the one they decide to defend in full.

As you progress and get closer to the court, you will get more confident and by the time the hearing date comes around you'll be telling em to get in the ring with you cos you aint gonna take any of their pooh any more.

you will WANT them in court.

 

Remember, 99% chance of it not getting to court, they WILL settle before.

.

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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Its reassuring to know im not the only one who feels like this!

 

I take it your case was successful dar3n? Or is it still ongoing?

 

Only a few hours to go.... Better invest in a white wig ready for my court debut! lol

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bozzie , like you i was full of trepidation and thought what the hell am i doing.

but i persevered and won back my money (over 4,000) and so can you.

the hard part is over , all you do now is wait till about a week before your court date and bingo you have won.;)

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For info, should you be able to get default judgment, Barclays WILL apply to get it set aside. Other banks don't and just pay up, but Barclays, for some reason, do not want a CCJ

 

 

I was under the impression that banks are unable to offer financial advice if they have a ccj against them

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I just have this terrible feeling that if there is going to be a first, the first ever case where the bank wins, it'll be me!! Thats probably due to the extreeeeeme run of bad luck im enjoying (!) at the minute...

 

..

 

What's your tip for the grand national... just so i can steer clear..lol... seriously, dont worry you are nearly there... i think the worst that will happen is that they will get a set aside then settle out of court.

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I personally think they have a cheek offering financial advice looking at the way they do business (lets face it, would they be able to record such profits without the extortionate amount of charges they pull in?!) but hey im just bitter!

 

Just to let you all know (because i know you all cant sleep without knowing lol!) I have just applied for default judgement, which was successfully accepted so far..... Barclays, bring it on! :D Hark at me!

 

Dickeggsy did they just contact you before your court date with a settlement offer?

 

Maybe because reclaiming charges is becomming so popular they might just conceed and refund me.... Ever the optimist! :roll:

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What's your tip for the grand national... just so i can steer clear..lol... seriously, dont worry you are nearly there... i think the worst that will happen is that they will get a set aside then settle out of court.

 

lol my tip for the grand national is....... never eat yellow snow! Seriously, im the unluckiest person i know! Just as well im so darned beautiful, we cant be blessed in all aspects of our lives LOL! :D

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