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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Old Barclays terms and conditions wanted


MARTIN3030
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If you have any old Barclays T&Cs can you please post here with details.The older the better.

In addition if you have other account Terms and conditions please let us know.

You can post here or pm a Mod or Sitehelper.

 

Thanks

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin.

 

Im at MCOL stage with Barclays and today received a letter stating charges fair etc and no offers being made.

 

My girlfriend read the letter to me over the phone so I haven't seen it yet however, within the letter it says I agreed to all T&C's and if I want a copy to call into my local branch.

 

I rang the number on the letter 0800 282 390 and spoke to Lisa Sutcliffe. I asked for a copy of my T&C's and she agreed straight away that she would post these today.

 

My account with them opened in 1992 and closed in 2005 so not sure what T&C's I will be sent.

 

Hope this helps.

 

TCOM

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Have done the same though the barclaycall number 08457 345345 and Barclays sent me T&C's from 1995.

I think I have binned them now but will try and get them again.

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Anybody read jwlanky's pdf above?

 

'Barclays Bank Account customers have a fee-free buffer of £100'

 

I don't remember THAT from 2001, when I was arguing with my newly-ex and trying to keep a roof over me'ead!:mad: :mad:

 

They were stinging me £20/£25 every time I went a fiver over!

 

Are you a gold/platinum customer, jwl?

 

Or was this 'New customers only' perhaps?

 

:confused: :confused:

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Hi Da£en,,

 

I have to submit my bundle by Friday but given the Lloyds decision and the earlier posting about Barclays claiming charges are fair and making no offers I'm worried about it.

 

I've got all the correspondence, copies of statements, latest schedule of charges and used the CAG bundle. I decided to include a witness statement so that I could reiterate my case and ask the judge to consider standard disclosure. I have also added the clause 4.21 to the OFT summary trying to pre-empt any suggestion that the penalty charges were for a service.

 

I wonder now if I should include T&C, but I can only find the ones on the current Barclays website. Also I don't get why it's significant. I understood the argument that the charges didn't reflect the true cost but if the bank switches the argument and the terms and conditions say that they will charge you £30 what is it that makes it illegal?

 

I could do with some help. It's all a bit last minute I know. The only fall back I have is that the Judge has deemed the case suitable for mediation and my file has been passed to them. I don't want to go down that road but if my bundle is weak it's better than nothing!

 

Your advice has been solid mate and I have confidence in your judgement. I just hope you get this in time.

 

Thanks,

John.

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what is it that makes it illegal?

 

Whoooaaaa!!!!!!! STOP RIGHT THERE!!!!

 

YOU CAN NOT STATE THAT THEY ARE ILLEGAL.

 

They ARE recognised as being unlawful,,,big difference.

 

DO NOT STATE THIS IN THE COURTROOM, they will rip you to bits.

 

They are classed as unlawful because Barclays cannot, will not show how the achieve the figure for each charge

where in fact it has been disclosed that such a charge actually costs no more than £2.50 and charging £30 for the same thing is unfair as the bank MUST NOT profit from issuing a penalty charge

 

Anyway, dont worry too much, youre almost at the done deal, as soon as you get closer to your date, give em a call.

  • Haha 1

.

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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Anybody read jwlanky's pdf above?

 

 

 

I don't remember THAT from 2001, when I was arguing with my newly-ex and trying to keep a roof over me'ead!:mad: :mad:

 

They were stinging me £20/£25 every time I went a fiver over!

 

Are you a gold/platinum customer, jwl?

 

Or was this 'New customers only' perhaps?

 

:confused: :confused:

Sorry about the late reply.

 

The account was a bog standard account. I had been with Barclays for years before, but this was a new joint account which we opened - so new T&Cs.

 

EDIT Dec 2003 T&Cs added to original post

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Posted yesterday

I have just emailed my Barclays contact for T's & C's for 1993.

 

will let you know later.

Received today...told you shes good at replying.

 

Her reply

I do not have details of who to contact to request a copy of the terms and conditions. I think your best bet would be to call customer relations and they may be able to give you this information or if not then direct you to the right place. I do not have access to this information myself. I only have the number for the switchboard here which is 020 7116 1000 and ask for customer relations.

 

Not the answer we were looking for and I personally do not think they will send out old versions, they will simply advise to refer to the new updated ones.

our only hope is someone has them stashed in the loft, or a very good accountant has them.

.

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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Anyone got old T & C's?

Been looking for mine but nothing!

Has anyone been sent T & C's from Barclays after phoning for them yet?

Will be phoning for mine later, opened my account in 1999, are they supplying T & C's for occounts opened back then?

Barclays - claiming £2710!

Offered £2030! Offer rejected, filed MCOL 21/05/07!

Abbey - Settled!

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Hi,

 

I received the lastest booklet on T&C's yesterday. My account was opened in 1992 however the principal remains the same.

 

The customer relations manager assured me that the T&C's haven't changed but the amount of penalty charges may have, either way the £15 charge in 1999 was still unlawful and therefore should help our cases.

 

TCOM

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Are you sure the bank said they have not changed? See my post

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90521-lloyds-victory-birmingham-perspective-3.html

 

 

Of course they have, they have been reworded and are always being updated. They have just fobbed you off and whats worse is they have potentially lied, I would like them to make that statement in court, under oath!

Barclays T&C Databse

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Hi Moneyking,

 

I just posted what I was told but like all statements from banks you take them with a pinch of salt.

 

Unless someone can produce very old T&C's most of us will remain the dark. I agree that the "fee for service" paragraphs appear more prevelant now in the T&C's....

 

I was thinking of putting the latest T&C's in my court bundle (claim is 1999-2005) in light of what you have stated this appears not to be a wise move?

 

TCOM

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I am not qualified legally, so of course I can not advise, but from my point and following on from the recent loyds case, it appears that the claimant was not able to convince this judge that charges were in fact a penalty. The judges decision was based on the latest T&Cs from loyds website (of course these will now have been updated). The new barclays ones do now make it sound more like a service, making it harder to prove it is a penalty. However, even if theyplaywith service charge, they still do appear to be unlawful (based on what i have gathered from reading around). Sounds good, but from what I can tell it might become very difficult to prove how much the service should be charged at and therefore on a bad day (like that judge) might rule against you. Even still I think with an appeal the banks stand no chance!

 

At the end of the day, I dont really think it matters too much unless you are unfortunate enough to be at the wrong place at the wrong time

Barclays T&C Databse

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Who knows? The Lloyds judge wanted to see T&Cs so I figured I'd

include the latest T&Cs in my Barclays bundle because at least it shows there are charges applicable. I figure it might also allow me to introduce older ones if I can find them and they were in force during the time of my claim.

 

I've countered the argument of services in my Witness Statement in case they go down that road.

 

I reckon we could all ponder our bundles ad infinitum and there'll always be something. I just hope for a fair hearing.

 

I can't sweat it any longer. I've run out of time. I have to take mine to court now! This afternoon! What I've got, I've got. What I've done, I've done my best.

 

Regards,

John.

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