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Just received acknowledgement


katies
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Hi! I've just been reading through some of the communications to help me feel a little more confident about my case after receiving BB's acknowledgement of service - always hoped this step would be the last....

 

I didn't send 2 copies of our list of charges before filing on line with the courts - does this matter and is it too late to forward a copy onto the court now?:???:

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Thanks for that! As I've registered my claim on line, is it OK to hand in a copy to my local court or would it be better to send it recorded delivery to Northampton?

 

I hadn't claimed interest yet -I thought I was being 'reasonable' in letting that go, should I be adding that in now too?:confused:

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You will have to send to Northampton ....... did you not say that you would be claiming interest @ 8% on your mcol form ?

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Interest is only added once you reach the filing of the claim

From now on Everytime you send a SOC send one with the interest on it

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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schedule of charges :-)

28/2/07

Sent request for repayment of charges totalling £2,800 (I want it ALL back!).

8/3/07

Barclays send sorry your not happy letter

14/3/07

Letter before action sent

25/4/07

Barclays offer £1,790

27/4/07

Thanks but no thanks to the offer sent

28/4/07

Filed with mcol, now looking at a figure of £3,500, they should of paid up when i asked nicely :-D

11/5/07

Barclays acknowledge claim

30/5/07

Barclays defend claim

19/6/07

Received notice of transfer to Northampton County Court and barclays excuse for a defence!!!

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You will, just keep reading everyone elses posts and you'll pick it up as you go along

28/2/07

Sent request for repayment of charges totalling £2,800 (I want it ALL back!).

8/3/07

Barclays send sorry your not happy letter

14/3/07

Letter before action sent

25/4/07

Barclays offer £1,790

27/4/07

Thanks but no thanks to the offer sent

28/4/07

Filed with mcol, now looking at a figure of £3,500, they should of paid up when i asked nicely :-D

11/5/07

Barclays acknowledge claim

30/5/07

Barclays defend claim

19/6/07

Received notice of transfer to Northampton County Court and barclays excuse for a defence!!!

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Hi Katie

When you did your Schedule of Charges did you use the XL spreadsheet in the templates section?

 

If you did it will calculate interest for you, if you didn't go to the templates library, find the spreadsheet that deals with interest and fill all your figures in there - it will add interest to each charge for you automatically right up to todays date.

 

Keep going hunni, I got my settlement offer today and I am smiling like a cheshire cat. I had a court date for 31 July so Barclays are look to settle early - don't panic xxx

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

 

Input all your charges and dates into one of these it works out your interest for you

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Thanks - I'm saying that a lot.

 

CONGRATS on your settlement! So good to know they're still paying out!:grin:

 

I was panicing a bit before I used this website properly, but feel more in control now - not sure I've done everything correctly up to now though!

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stay cool...just try to follow the steps here and you will be absolutely fine. They are still settling..indeed it seems that Barclays have got their act together and are settling quite quickly once you have a court date even if it is quite a long way off. From what I understand they were taking it right up to the wire and not settling until days before court dates - good news for us though xx

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I've now got my SOCs off registered post to BB and the court.

 

How are the banks responding re closing accounts now? Or are they asking for repayment of overdrafts once the fee issue is settled? Would we be wise to open a new bank account in anticipation of this?:???:

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  • 2 weeks later...

2 weeks later and....surprise, surprise.... no defence submitted (yet!). Going by everyone else's experiences I'm assuming it's on its way and am starting to get my court bundle together. Looking at some of the threads going with BB, t&cs are mentioned - are they advisable to include now? If so, does anyone please have a copy - I'm claiming charges from 2003 onwards.

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BB should've entered a defence on Tuesday but according to MCOL nothing's changed - still acknowledged 21/5/07. Is it worth asking for a judgment? Or just leave it for the courts to sort out?

 

Has anyone had a successful judgment at this stage or do the banks get away with defending late?

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Katies, from what I've been reading on here the banks seems to get away with filing their defence at the very last minute, or even get a few more days.

However you could always try for judgement. Chin up, and start preparing for the next step.

It seems as if you aare at the same stagae as me more or less!

 

Any advice given is based on the experience of the website and is given without predjudice and liability. If in any doubt, consult a qualified legal practitioner.

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What date did you file your MCOL claim, Katie?

 

Filing/Serving/Acknowledging/defending deadlines cause lots of confusion. It would be good to know exactly where you are...

 

;)

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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Thanks for the replies, folks!

 

MCOL claim issued on 3rd May, deemed served on 8th. Acknowledged on 21st - a day early!

 

Just checked on line and still no change, I'm a bit reluctant to request judgement and end up delaying things further... How much extra time should I give them?

 

Good luck with your claims too! I can't believe how long this all takes.... I've been telling friends considering reclaiming to expect 6+ months - and to use THIS website!

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hello

 

To be honest i wouldn't be doing your court bundle until you have a court date. Once you get the date contact someone in the litigations dept at barclays and i bet they settle.

MY WINS PENALTY CHARGES

 

BARCLAYS SETTLED IN FULL DAYS BEFORE COURT

HALIFAX SETTLED IN FULL AFTER LBA

RBS SETTLED IN FULL AFTER PRELIM

GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT

IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED

 

MY WINS PAYMENT PROTECTION INSURANCE

 

ALLIANCE AND LEICESTER IN FULL + 8% INTEREST

RBS credit cards x2 in full without any interest

 

CURRENT CLAIMS

 

RBS AGAIN PENALTY CHARGES (confirmed hardship case)

GE MONEY PPI (breach of sars sent)

RBS CREDIT CARDS PENALTY CHARGES(declined)

HALIFAX MORTGAGE PROTECTION PLAN (declined)

HALIFAX CREDIT CARD CHARGES(no reply)

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