Just received acknowledgement

[katies]

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?

[dar£n]

No its okay, send an updated copy by recorded delivery to BArclays and hand the one to court if convenient [get a receipt off them]

[katies]

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?

[saintly_1]

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

[katies]

I did, but can't remember filling in any figures previous to claim. Will this be enough?

 

Thanks

[saintly_1]

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

[katies]

I'm not into this jargon (yet) - SOC?

[Tipsy0nBacardi]

schedule of charges

[katies]

I've a lot to learn! Thanks!

[Tipsy0nBacardi]

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

[katies]

I'm trying to use the online calculator to work out the interest but it only goes up to 2006... Is there another calculator aid I can use?

[yogachick123]

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

[saintly_1]

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

[katies]

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!

[yogachick123]

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

[katies]

Looking forward to that day! Won't relax until then....

[katies]

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?

[dar£n]

There hasnt really been any incidents where the banks retaliate. they wouldnt get away with it.

[katies]

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.

[katies]

Reading through more threads - there do seem to be 2002/2003 terms and conditions floating around. How do I get my hands on a copy?

 

Thanks:)

[katies]

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?

[vincymum]

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.

[oneofakind]

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...

 

[katies]

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!

[ronvin]

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.