Here's hoping

[suffolkgirl]

Hello everyone, i'm a bit new to this but i thought i'd let you know whats happening with me.

 

When i started looking into this bank reclaiming thing i was really only going to concentrate on an old account i had with Lloyds but then i realised i'd been charged £175 by Barclays.

 

I sent my first letter off and they responded yesterday with a blah blah letter about dealing with your complaint etc.

 

I have responded with a letter to say that i am taking them to court etc and they have another 14 days, so countdown is on to see if they pay up.

 

I'll let you all know..

[dar£n]

welcome SG, if you get stuck, dont guess, ask!

and ask as many questions as necessary ok

[suffolkgirl]

Thanks a lot - i will do don't worry!

[suffolkgirl]

Well suprise, suprise they didn't reply so i have started my claim via Moneyclaim.com and have 12 days to go!

 

I feel a bit nervous about it but i guess i'll just wait and see

[dar£n]

everyone does,

just think of this as a procedure, nothing else. follow it and you will be okay.

As things stand now you should be looking at your money in July/Aug.

Seems a long way off but it goes quite quickly.

in the mean time browse around the threads having a nosey and ask questions on the way.

by the time YOUR settlement comes through YOU will be advising newbies.

 

And visit the chatroom for talks about absolutely anything.

and I mean anything, lol

[suffolkgirl]

Ok, so now i need some advice.

 

I checked my Barclays bank account today and surprise, surprise they have put £175 in my account as a goodwill gesture.

 

So now what do i do..?

 

£175 is the amount that they owe me without interest and obviously without the £30 Moneyclaim.com court costs.

 

HELP!!!!

 

Do i carry on with my claim in the hope that i get the whole £198 back plus costs or accept this offer... I'm guessing i ignore the goodwill gesture, but i would like some advice from you more knowing people out there

 

Thanks everso

[suffolkgirl]

Ok , well i've been reading loads of other threads and although they all say to keep going right until the end, i can't help but think that they have paid me back the exact amount they own me.

 

So they haven't paid me the interest and obviously i'm out of pocket £30 for the court costs but other than that this is money that i didn't even know i was owed... And £145 would come in really handy - Newmarket Races on Saturday

 

I haven't actually received any correspondance from Barclays re this money that is in my account yet, though i suspect i will.

 

How do i go about cancelling my claim with Moneyclaim.com..????

 

Suffgirl

[CAGisforME]

Hi, well done for winning your money back.

 

This is why I gave them a few days grace before sending my MCOL and my money dropped in to my account last Friday.

 

Again you were claiming less than £500, which, I had heard on the grapevine, they were settling without argument.

 

Sorry I can't help with MCOL as I haven't needed to go that far.

 

Enjoy that money!

[torigirl_uk]

Well done on getting your money back but as far as getting the additional £30 for MCOL I would give them a ring, you gave them plenty of warning that you would persue legal action, the fact that they missed YOUR deadline, is their problem, not yours, so I would say look you owe me £30 for filling on MCOL, as you did not credit my account in time, if I don't recieve this money then I will continue through the courts until I do!!!

Enjoy the races;)

Tori:)

[dar£n]

Hi,

Do as Torigirl suggests.

but also get them to confirm that it is a settlement deposit.

If you stop proceedings they could easily withdraw the amount claiming clerical error nothing to do with your claim.

Get it in writing.

MCOL can be cancelled by phoning them and telling them you no longer want to pursue the claim. job done.

 

If you want to be a little more efficient, but not necessary use this:

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForms.do

 

N279 Notice of Discontinuance.

 

Be sure before you act.

[suffolkgirl]

Hey, thanks to all of you above for your info.

 

I telephoned MCOL and they just stopped the claim, it was done instantly and v easily.

 

I feel really good that i got this money back - even without the £30 costs and anyway what's £30 at the end of the day - not many white wine spritzers at the races that's for sure!

 

I received a letter in the post from Barclays today which confirms that this is a full and final settlement and that the £175 is goodwill gesture etc.

 

But the above comment by CAGisforME has got me thinking, when i request my money back from Lloyds should i ask for £500 in the hope that they will pay out without a fight or go for the full £620..? :o

 

Suffgirl x

[taff-p]

hi suffokgirl,£120 is a lot of money,why let them get away without paying it to you.But at the end of the day its up to you.

[CAGisforME]

Hi SG

 

Glad you got everything sorted.

 

I want to be clear that I was referring to Barclays when I said "you were claiming less than £500, which, I had heard on the grapevine, they were settling without argument."

 

This was a rumour I had heard from various sources, including those from my (soon to be) ex-colleagues at BARCLAYS Bank.

 

I don't want you to think I meant all banks as I couldn't possibly comment on any other Banking establishment.

 

Just wanted to clarify.

 

(Oh, and if it were me, I'd be going for ALL my money back! )

[suffolkgirl]

Thanks CAG, i get what you are saying, i suppose i'm just hoping that the Lloyds one will be as easy as this one has been.

 

I'll definitely look to get the whole lot back