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TheMerlin v Barclays


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I am about to start claiming charges back from Barclays but I am currently £3000 overdrawn with no way of paying this off at present. Will this have any impact on my claim? I have moved my income to a different bank so that is not a problem, but I would like to be forewarned of any action they might take.


Thanks for your time and apologies if this has been asked before......



Many Thanks



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Thanks for the quick response!


I doubt the charges would cover the OD, I'm guessing that over six years it's probably about £1500....


I fully expect them to close the account and demand repayment of the OD once the claim process starts, but if I was to reclaim the potential £1500 I should be able to pay back the rest (assuming they are sensible about the size of the repayments!!)



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My account is overdrawn, like you I have been putting all income into another account. Barclays are demanding I repay overdraft, likely my claim is double what I owe them. I'm waiting for defence to be put in at moment.


It has taken a couple of months for the account to be passed to internal debt collectors, which is where I'm at now. Chelmer collections will accept monthly payments as long as it is over the amount of interest being applied to the account.


Have read through my thread madhouse5 v barclays.





[I][FONT=Arial][SIZE=1][B][U][COLOR=red][COLOR=blue]Barclays bank[/COLOR] [/COLOR][COLOR=blue]- £1260.00[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][COLOR=blue][B]Settled for £1774.20 - [COLOR=#ff00ff]7th June 2007[/COLOR][/B][/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][B][U][COLOR=red]MBNA - £1994.46 - [/COLOR][COLOR=red]inc contractual int[/COLOR][/U][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=red][B]Settled for £2024.00 - [COLOR=magenta]16th April 2007[/COLOR][/B][/COLOR][/SIZE][/FONT][/I] [I][U][FONT=Arial][SIZE=1][COLOR=indigo][B]First Direct - £1147.00[/B][/COLOR][/SIZE][/FONT][/U][/I] [I][FONT=Arial][SIZE=1][B][COLOR=#4b0082][COLOR=indigo]Settled for £1147.00 -[/COLOR] [COLOR=#ff00ff]1st May [/COLOR][/COLOR][COLOR=magenta]2007[/COLOR][/B][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=green][B][U]Capital One - £802.83 - inc contractual int[/U][/B][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=#008000]Prelim sent - [COLOR=#ff00ff]28th March 2007[/COLOR][/COLOR][/SIZE][/FONT][/I] [I][FONT=Arial][SIZE=1][COLOR=seagreen]LBA sent - [COLOR=magenta]19th April 2007[/COLOR][/COLOR][/SIZE][/FONT][/I]

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