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African Igbo vrs Barclays/Woolwich


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Hi Forum

 

I am just crossing the i's and t's I am just checking the interst Barclays charged.

 

I have totaled up the Paid Referal and Unathorised Overdraft and Mine comes upto £3000 pound. What is this plus interest and costs.

 

I assume whenI send my refund charges letter with the total of charges and interest charges I add 8 to 9% on top plus costs.

 

Please confirm Ta.

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Ultimate Excellence Lies Not in Winning Every Battle

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Hi Forum

 

I am just crossing the i's and t's I am just checking the interst Barclays charged.

 

I have totaled up the Paid Referal and Unathorised Overdraft and Mine comes upto £3000 pound. What is this plus interest and costs.

 

I assume whenI send my refund charges letter with the total of charges and interest charges I add 8 to 9% on top plus costs.

 

Please confirm Ta.

 

African, good to see youve joined CAG

.

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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Excellent I have both spreadsheets and printed out the procedures which I will learn religiously. I also have similar details from thisismoney website So I just hope the reclaim letter without the detailed charges is significant for now.

 

I assume that the detailed letter with the spreadsheet is after my preliminary letter with the total over charge sum and bank interest thus later add the 8%.

 

Cheers:lol:

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Hi again

 

I have read all thoe notes on this site and thisismoney.com and I want to clarify the that I know how much I am claiming using my statements and I want to send a preliminary letter with my charges. Do I have to add the spread sheet with dates etc etc or can I just send the letter at this stage.

 

As I would like to get this off today and I will knock up the dats/charges to spread sheet over the week end.

 

Cheers :D

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Hi Barclays "Patients/Customers" I have finalized my spreadsheet got one with interest occurred and the other which I am sending today recorded post.

 

Let you all know Soon.

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Hi Barclays "Patients/Customers" I All just about to pop to Post Office and Thus read a few threads.

 

Do I send the Prelim letter with spread sheet or just the Prelim Letter.

Thus what is the LBA.

 

Thx

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Thk for the confirmation - I have sent Prelim Letter and Spread sheet with

Data Protection required statements.

 

Please can someone confirm the likely issue here My statements where of course for 6 years from 31/07/000 upto 28/09/06 Since then I have still occurred charges from November 2006 to April 2007 whi h are £90 per month which I have also included as the 6 months at the start of the 6 year statements I was only charged a £35 for Unpaid Cheque on 31/07/2000.

So I don't mind starting six months after 31/07/2000 would this be OK.

As I am getting hit £90 per period month.

Master Sun SAID:

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Iggy, from what I can work out, you are trying to say, you have had more charges put on your account since receiving your statements, or since the date of your last statement!.

What you are asking is....can you add the new charges to the ones shown on the statements sent for you S.A.R - (Subject Access Request).

 

Yes you can!

 

Any charges you have incurred right up to the date you file at court can be added without any issue.

 

Please before you send anything off, post here first to confirm what you are doing is right and nothing is missing etc.

.

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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Excellent - Sorry for my petulance thanks for confirmation and will re read and check before getting ahead of myself. Will monitor the forum and let you all know in 12 days time. By the way is it worth telephoning Barclays to check that they have a received my recored Prelim/Statements or just be cool and patient and wait for their response/reply by post.

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Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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No, This is why I suggest sending via Recorded Delivery as you can check they have received it online by using the 13 digit tracking number on your receipt.

 

http://www.royalmail.com/portal/rm/track?catId=500185&mediaId=22700601&keyname=track_home

.

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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Excellent - I have checked and it was delivered today.

Cheers. I will leave you all alone until I get Barcalys Reply/Response letter/Phone Call.

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

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Hi I have just received another Barclays statement from 10th March to 11th of April 2007.

which include 3 * £30 Paid Referal charges.

Thus I am adding to the simple-spread-sheet Do I have to add the number of days or can I just add DDMMYY in the "Days since offense" fields to Calculate the 8% interest when I eventually proceed with court action and include the s69 interest charges.

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Ultimate Excellence Lies Not in Winning Every Battle

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Hi CAG just an update - no letter confirming my prelim I don't care as it was recored delivery from the 30th of April So on the 14th of May (Evening time) I will send the LBA again giving a further 14 days before action. So tick tock GMT.

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Hi CAG I have under estimated the amount on my reclaim charges @ £1k when I go to submit my LBA Monday is it ok just to send the correct UPDATE charges with spreadsheet .

When I clicked on the total cell in the spreadsheet and thus check the equation I noted that it didn't start at the beginning and around 50 cells where missing.

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Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Ooops My total recharges to date are £4435.00 and s.69 £775.96 So a GOGW Could I just simple deduct £250.00 from my LBA and spread sheet as an offering to keep it in the small claims.

I am more than happy with that and I rather keep it in small claims court.

Thus of course £100 to CAG.

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Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Just because it goes over the £5000 does not necessarily mean it will be allocated to the fast track.

but yes the claim is yours if you want to settle for £4999.99 that is your choice.

make it sound like you are doing them a favour by deducting the amount [as they put it] as a 'goodwill gesture'

.

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 CAG - Me again My LBA is off tomorrow by recorded delivery.

I have my draft ready in which I will have the amended bank charges of £4435 not including the s69. 8% which is paid if I win under the judge's discretion.

I will be Knocking of £250 as GOGW So will below the £5k which is the amount one can claim in the Small Claims Court.

 

Thus my question is do I title the LBA letter with "LETTER BEFORE ACTION" as I assume it's just a quote. Also I have added the correct bank charges total which was wrong in the original letter the spread sheets entries where correct with the dates just the "Total" was wrong it had missed 50 odd cells

So corrected the Macro Calculation I hope this won't make much difference as Bs Know the actual bank charges owed to me any way and I bet they chuckled when the know I couldn't count. Hence I am in this mess.

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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Thanks dar£n for confirming the threshold limit and GOGW which I have penciled in my N1 draft and Particulars section which I got from CAG forum.

 

I will keep it rounded to £4960.96 which will be the total including the s69 (8%) .

 

I also read a few threads that if I take that day off work and Bs don't turn up to represent themselves I can can add the cost of taken the day off too which is my case will be @ £85.00. Which I hope is not part of the initial claim of £4960.96 for waisting my time.

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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I also read a few threads that if I take that day off work and Bs don't turn up to represent themselves I can can add the cost of taken the day off too which is my case will be @ £85.00.

If you want to claim loss of earnings you can, you must be able to prove that you were expected to be at work on the day of the hearing and the max you can claim is £50.....I know its pathetic and seriously needs updating.

 

see here for guideance on CPR 27.14

PRACTICE DIRECTION – SMALL CLAIMS TRACK - This Practice Direction supplements CPR Part 27

.

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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