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polaroppositesmanchester vs Barclays

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Hi Guys, first post and I was hoping for a little advice.....


I sent my 'Request for Repayment Of Charges' to Barclays on 18/04/07 to which I received the standard "we'll look into your complaint and give you some sort of answer in 8 weeks" letter reply. After the 14 days was up I sent the standard LBA but I am concerned about the first line "I am very disappointed that you have failed to respond to my letter of the 18 April 2007." this surely suggests the bank haven't replied at all? Should I have altered that line of text to say something along that said "thanks for your reply but 8 weeks is not good enough" or is it OK that I pretty much ignored their letter?


On Monday their 28 days is up and its time to file a claim....should I be concerned about the first line of text on my LBA or am I just being stupid?

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Dont worry about it polar, theyve done what they do to everyone and try and stall....8 weeks!!!! what a laugh.....stick to YOUR timetable and dont forget you can adjust the template letters slightly to fit your circumstances. Send your LBA and always stick to the timescales, the will lie and stall at every opportunity. Keep us posted. Nursiepoos x

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thanks for the advice. Yes I did send in the S.A.R - (Subject Access Request)...got my statements back no problem at all.


I just got in from work to find some mail on my door step....it looks like we have progressed on a level. They've sent me a 'full and final settlement' offer of £620 which is a good £400 short of what I'm owed. I guess its time for an offer rejection letter. I'll drop that in the post tomorrow and keep you guys updated.


Half way there! ;)

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  • 1 month later...

UPDATE - Right, there have been various factors why I haven't yet got round to sending my N1. One of them being I haven't had the money I need to pay the court fees. It has been 6 weeks since the date i said i would sent it in my LBA.


If I send the N1 6 weeks after I said I would will this affect my claim in any way? I really hope not. Any advice on what i should do?

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No, it won't affect anything. File the N1 whenever you want.

Don't forget this is YOUR claim, and you dictate the pace.


Have you checked to see if you're eligible for fee relief?


Court Fees - do you have to pay them?




Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON


Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.



I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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