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Should I accept their offer?


punxnotdead
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Hi people.

 

I have submitted a letter before action to Barlcays and this week they have sent me an offer at about 65% of what I was asking for back.

 

HOWEVER.... About 60% of my charges detailed in my scedule of charges are more than 6 years ago.

 

So...

 

If I end up in court am I likely to be awarded less than I'm being offered now (40% of the total sum) in which case I understand I would be liable for costs.

 

I am kind of tempted to take the offer due to this worry. If I hold out will they make me a better offer?

 

Anyone come across this before?

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You have to weigh up the pros and cons here,

You may have been offered the amount with B's not really looking into your situation deeply, which they will do if it is continued.

 

Have you calculated the amounts plus interest for the legit amount claimable?

 

how much are you to lose, if any. if the charges are indeed over 6 years. [ bear in mind charges over the 6yr period have been claimed for in the past, but its a lot of hard work and only for the determined].

 

You can, cut your losses and accept their offer, or continue with the amount with the chance of it being struck out, or you can continue with the amended amount of charges up to 6 yrs.

 

hope that made sense, i started to confuse myself a bit.

.

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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Hi pux, my barclays claim was mostly of pre-6yr charges and I got the lot off them 2 days before we were due in court. They fed me the whole story...offered me half, said I'd lose in court, blah blah. I stuck to my guns and got the whole lot...AND costs! It's entirely up to you but I'd stick with it. You will be in a far better position to negotiate when you have a court date looming, as they are desperate not to go to court, and will cough up eventually.

 

Hope this helps.

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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yes punx, it was. Charges that went as far back as 1997.

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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Nope...have faith! The bottom line is that Barclays do not want to see you in court. The decision at the end of the day is yours. BUT, the way I see it, you can proceed with your court claim as normal. As and when you get close to a hearing date, your negotiation skills come into play. It is a case of who folds first (bearing in mind Barclays will hope that you do) but they do not know whether you will or won't meet them in court. More than often they can't risk finding out, and so they pay you.

 

What I had said to myself was that if I couldn't face going to court with them, I'd call them back and take the best offer on the table.

 

You have plenty more game left to play...I'd carry on and see how it pans out. There are PLENTY of people who have successfully reclaimed pre-6yr charges. Use the interim time to find out about these wins :)

 

Just my humble opinion!

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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