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Pat vs barclays, natwest, barclaycard, capitalone


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Hello people this is my first post i read a lot of yours and thought it only proper that i join in. I have used info from some of you people to take barclays to task over charges to my old business account. I have asked for £**** and around £**** in interest, tomorrow is the last day they have to enter a defence and although nothing yet i have read other posts about barclays and it seems they always go to the wire, so i am resigned to the fact that at the very last minute tomorrow they will register a defence and i will have to wait ages for a court date, a little bit of me still holds a candle of hope that they will overlook my case just long enough for me to enter a default but realisticly i think they enjoy the sport too much to let me win that easy arrogant bankers.

The good news is that i don,t care how long it takes cos i thought i,d never see that money again anyway. I do remember though how the minute my business cash flow went bad they took absolute advantage

I new at the time the charges were imorral unjustified and unnecessary but i am over the moon to find they were also illegal.

I would be interested in hearing forom anybody who has gone beyond six years as i have just asked for that data from two banks and four credit cards.

Thanks to everyone who has helped especially the mods


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Welcome to the forum.


Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.



Finally good Luck.



If my advice helps please tip the scales, left.

"The only thing that interferes with my learning is my education." Albert Einstein


"No-one can make you feel inferior without your consent" - E. Roosevelt



Don't lie, thieve, cheat or steal. The Government do not like the competition.



All advice is offered without prejudice.

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Hi and welcome to the site,



You've definately taken the first step into claiming back what's rightfully yours.


Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.


Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.


Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.


All the best in your claim!! :wink:





Useful links to help with your claim



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


Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/


Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html


Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html



Don't be like the banks - give a little back



:D NAT WEST - WON - £4282.36:D


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Hi Peeps This is a letter i am sending to Barclays prior to getting a court Date it,s in answer to their defence, if you have any advice as to whether it is valid o.k etc letme know quick!!


Prior to court proceedings involving penalty charges applied to the above account i would like to clarify my position also to draw your attention to some innacuracies within your defence.

In point 1 of your defence you assert that no account details were provided to you prior to or incorporated in my above mentioned claim.

I would repectfully draw your attention to the fact that the account number and name are present in all correspondence of which i have copies and are also present in the particulars of my claim and have been since the claim was first served.

After recieving data from you listing all transactions, i returned the data highlighting all charges i deemed to be unfair therefore i have indeed provided you with details of all charges. This was made difficult by the fact that many charges were grouped together furthermore in order that i make a reasonable request i reduced the amount i requested by a sum estimated to reflect the fair charges. The amount i requested was ******** also i reservered the right to request interest at 8% per annum.The total of unfair charges i consider and interest now amounts to *****. This amount will of course change before the court date by the relevant amount of interest.

Please be aware that i will not now consider settlement for any less than the full total of charges and interest and all court fees (currently £120) on the itemised schedule i have enclosed.

Please note that all other points in your defence statements will be answered during the court process in my evidence and relevant case studies and offcial reports which i am currently preparing. All of this evidence will be provided to you as soon as a court date is arranged. I will be retaining my original statements until the court date but can if you wish provide you with facsimilie copies.



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Guest ChloeJane

Great Letter hun!!


send it off and stand your ground!!


Don't forget to send what they state they haven't got and your away!


From someone unsure you have put effort thought and very good logic into your letter and am sure the rest of the way with your confidence will be a doddle.


Get posting ! Good luck hun!

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Thanks CJ posted today. will sit it out now till court date (can,t believe it takes 12 - 16 weeks to get there !! THANKS AGAIN FOR ALL YOUR HELP

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  • 4 weeks later...

Hi everybody i have just got a court date 20/07 to take barclays to court i could do with some advice about preparation for court , bundle etc what do i need to do any help appreciated as always,


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