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I'm about to embark upon a claim against Barclays, requested my six years statements today......Bring it on!

 

This site is fantastic, have read loads of your posts and I'm excited.:D

 

 

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Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

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Hi Woody71, welcome to the CAG. You'll find everything you need by reading the FAQs but if you get stuck, just post your query and someone will offer assistance. Stick to your timescales not Barclays and be prepared for them to stick it out until a couple of weeks before your court date. But don't give up! You'll get there in the end and get ALL your money back. Good luck, Keri

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  • 2 weeks later...

Its nearly two weeks since I ordered my statements and my friend ordered his at the same time. Two days after he rang me to say his were here.

 

I just rang Barclays on a different matter, so I asked where my statements were and the lady said due to high demand Barclays were struggling with this service and couldn guarentee statements within two weeks. I backed my first phone call up with a letter and still havent got them!

 

Frustrated! Is it ususal for statements to take this long?8-)

 

 

Also I have another issue with Barclays not removing a settled account from Equifax, where's the best place to post to get help about this?

 

A

 

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I sent my SAR on 15 Feb and haven't yet received my statements. Although I did receive the standard letter returning my £10 cheque!

 

I'm going to give them the full 40 days to send them to me, then its onwards to the next step!

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You will probably find that they will stretch things out to the full 40 days in some cases just because they are so busy! Bless! Not!

Keep at it though, you will win in the end:-)

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Sorry about this, but I just want to check this statement thing.

 

I have charges for.....

 

Unpaids out

Paid Referral

Unauthorised Overdraft Fee

 

Do I claim back all of those?

 

Then I have Interest Charged.Do I claim this back because in good months they give me a penny or two?

 

The next thing is about the schedule of claim for charges....Do I claim with the 8% interest?

 

Sorry to sound stupid, just getting a little confused.

 

 

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yes you claim for all those three. As for interest i never bothered as seemed like a bit too much bother and wouldn't have been much as i had a 600 free overdraft. The 8% is only claimed back when you get to court so when asking for charges back in prelim aproach and in the letter before action don't include the 8% in the schedule of charges.

 

Sound like you need to do a bit more reading up though... good luck

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Yeah I'm trawiling through the posts now, I just needed to clarify the interest bits thanks though. I think I, like many people, are so used to having a bank account and accepting these charges and interest charged that when they're stuck in front of you its a shock.

I'm really embarrased to think I've let them treat me like this. :mad:

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tell me about it, i always used to dream about this happening saying how much better off i'd be id i could have all my charges back.... and it's only going to happen.

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  • 4 weeks later...

Have sent my first three letters up to LBA for my claim of £3220.

And apart from my initial statement request Barclays haven't replied yet.

 

Prior to my initial request Barclays had offered me a loan which I decided I didn't need at the time. A month later I decided to be a little cheeky and go for the 3k loan for Glasto tickets and a campervan (as they owe me that anyway and I'd be able to settle early). I know my personal banker quite well and she said no worries and applied. I was accepted in principle and then the next day rejected.

 

She also spotted a flagged note on my account saying I had requested my charges but had not included a figure??!!??

 

I got home and checked my letters and obviously they did have the amount on them...

 

So in short (I like to ramble)...

 

Barclays refused loan because of reclaim

Barclays have not replied to LBA

Barclays have placed VERY strange note on account

 

I'm really concerned that I haven't had a reply to either of my letters is this normal?

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What for? To give them more time? Stick to your deadlines, or they'll give you a merry go-round from now till the other side of xmas. Don't let yourself be sidelined by irrelevant trivia.

 

 

4 threads merged. Pls stay on one thread per claim.

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