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Please help! defence filed, AQ dispensed with.


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I am bringing a claim against barclays for around £3700. They offered £1000 which i didn't accept. The case is now transferred to Teesside County Court and a defence has been filed which says, among other things, that I didn't give particulars of the account and particular charges and dates in the original claim. The AQ has been dispensed with.

 

Can I now provide details of the charges and account in a Further Particulars of Claim?

 

And how do I ask for standard disclosure of the bank's charges if there is no AQ?

 

I'm getting quite scared by this now!

 

Many thanks.

 

:confused:

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I am bringing a claim against barclays for around £3700. They offered £1000 which i didn't accept. The case is now transferred to Teesside County Court and a defence has been filed which says, among other things, that I didn't give particulars of the account and particular charges and dates in the original claim. The AQ has been dispensed with.

 

Can I now provide details of the charges and account in a Further Particulars of Claim?

 

And how do I ask for standard disclosure of the bank's charges if there is no AQ?

 

I'm getting quite scared by this now!

 

Many thanks.

 

:confused:

 

Did you have all your statements from the bank? Did you request a SAR? I am confused how you have managed to start a claim without knowing how much you are claiming for! When issuing your prelim letter and LBA did you send a schedule listing the type of charge you are claiming back, the amount and the date?

What do you mean by standard disclosure of the bank's charges - are you referring to how much it costs them to refuse your transactions? The schedule of charges should have been attached your court claim including your account number.

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The AQ deing dispensed with now is a new tactic that MCOL is using, this we think is to speed up the process.

 

did you provide details of your account and a spreadsheet of your charges?

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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I attached the schedule of charges to the first letter and LBA, but not to the claim when I issued proceedings, I just gave a global figure in the claim. I still have the schedule of charges and wonder if i should just send that to the Court and the bank now?

 

When I talk about standard disclosure, I read that I should request pre-hearing disclosure from the bank, as they won't want to make disclosure of their actual costs and might then offer to settle?

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