barclays charges

[jas 4]

I wrote to Barclays on 31.05.06 requesting details of bank charges on my current and business account. I received some information dated 6.06.06 but it appears the info is incomplete as the detailed statement info dries up from 2003 to present. I rang today and spoke to Brian Winbow who has said he will provide the info on my current account but I have to ring again to obtain details on my business account. Should I send a follow up letter reminding them they have less than 40 days to comply? Also on my statements it refers to 'unpaids out' which I took to being a bank charge but it also shows 'paid referral', is this another type of bank charge. The business account charges are a little confusing as I do not know what I should be claiming back? eg: auto entries, standard entries, maintenance fee, a/c control fee, commission????

 

Any help and advice would be appreciated.

 

Thanks

[skinttrev]

Hi There,

 

I am pretty sure that the 'Paid Referal Fee' that you mentioned is a bank charge, as they seem to appear on our statements frequently, and usually for £25 / £30 a go !!

 

These are what we are claiming for !!

 

Hope this helps.

[jas 4]

Thanks for that, wow, in that case they are me lots and lots!!!!

Will prob be back on asking how to transfer the info from statement form to excel document.... watch this space....

 

 

Hi There,

 

I am pretty sure that the 'Paid Referal Fee' that you mentioned is a bank charge, as they seem to appear on our statements frequently, and usually for £25 / £30 a go !!

 

These are what we are claiming for !!

 

Hope this helps.

[jas 4]

Just received a 10 point defence from barclays and am about to fill in the allocation questionaire.... just need a little help with 'Section G - Other Information', what do I write in here? I have looked around the site all day and have not found any info as to what to write. Obviously as Barclays have submitted a 10 point defence I wanted something substantial and hard hitting to write in this paragraph...... any ideas????

[Spotted Dog]

If you look at Bookworm's thread you could put the paragraph below in - if the judge goes for it, it means Barclays will have to disclose how they make up their charges. That should worry them - this is exactly what they are frightened of. There is no way they can justify the amounts they have been charging and if they were forced to explain in court, it could be very damaging for them.

 

***********************************************

"I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. I believe such an order would bring a rapid end to this litigation."

************************************************

 

Spotty

[jas 4]

If you look at Bookworm's thread you could put the paragraph below in - if the judge goes for it, it means Barclays will have to disclose how they make up their charges. That should worry them - this is exactly what they are frightened of. There is no way they can justify the amounts they have been charging and if they were forced to explain in court, it could be very damaging for them.

 

***********************************************

"I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. I believe such an order would bring a rapid end to this litigation."

************************************************

 

Spotty

 

Thanks for that. I will also have a read of Bookworm's thread.... do you think that paragraph will be enough or do you think i need to go into more detail about my claim???

 

[JULIE HANCOX]

hi all,

I didnt ask for 6 years statements, just calculated from the time we had been back in this country. which is 2 years. But did say if they disputed I would require details of charges for last 6 years. I have received the goodwill gesture of 50% of my claim. I came back on to look at the templates that were available but cannot find them. can anyone direct me please.

[Spotted Dog]

Jas 4

Bookworms paragraph is enough. Section G is for directions about your case NOT particulars of your claim. It is if you need a translator, wheelchair access, you are deaf and need a signer , that sort of thing.

 

Spotty

[JULIE HANCOX]

thanks you for info. am ready for next round!!!

[jas 4]

Jas 4

Bookworms paragraph is enough. Section G is for directions about your case NOT particulars of your claim. It is if you need a translator, wheelchair access, you are deaf and need a signer , that sort of thing.

 

Spotty

 

Thanks, I sent the AQ yesterday and I included copy of schedule of charges and the various correspondence between myself and the bank..... I know I didn't have to do that but I just thought if I had filed in person at the courts then they would have all that info anyway and i didn't think it could any harm..... you're gonna tell me now I shouldn't have done that aren't you????

[Spotted Dog]

No - it is Ok especially if you are going personally to the court

 

Spotty

[jas 4]

Having sent my AQ on 07.09.06 I have heard nothing at all.... can anyone tells me what happens now... is their a timescale for a hearing to be set???

[essjaysea]

When the court has received the AQ's from both sides, then a judge will decide what to do with the case, ie which track to allocate it to, and set a hearing date.

 

There isn't really a set timescale; it all depends on the court and how busy they are. I sent my AQ to the court on 11th August, Barclays filed their's on 5th September (just a little out of time, as they are supposed to file within 14 days), and I received notice from the court yesterday that the hearing will be on 20th December

[JULIE HANCOX]

After refusing the 50% goodwill offer from barclays they refused to go any further. I requested the 6 yrs breakdown of charges. they have sent them as statements in a format so illegable i'm sure they do it to put you off. I will not be put off!! So highlighting pen is fully loaded and ready to go. Once I have redone my spreed sheet I will apply to the courts and let you all know.

[jas 4]

When the court has received the AQ's from both sides, then a judge will decide what to do with the case, ie which track to allocate it to, and set a hearing date.

 

There isn't really a set timescale; it all depends on the court and how busy they are. I sent my AQ to the court on 11th August, Barclays filed their's on 5th September (just a little out of time, as they are supposed to file within 14 days), and I received notice from the court yesterday that the hearing will be on 20th December

 

Thanx for your reply, I have just rung the court to find out what is happening, have been told letter is in the post, looks like I am in court on the same day as you.... which court are you at??? mine is 10.00a.m

[essjaysea]

HI Jas

 

Croydon at 14.00...are we in the same court?

[jas 4]

HI Jas

 

Croydon at 14.00...are we in the same court?

 

Unfortunately, no..... I am in St Helens, Merseyside.

 

You know on the court form and it says to bring with you copies of all documents (including any experts' report) on which he intends to relay at the the hearing..... what documents have you sent???

 

Is it just copies of prelim, lba, schedule of charges etc or should I bring anything else.....?? I would appreciate any advice!!

 

Good luck to you.... let me know how you get on!

[essjaysea]

jonni2bad v Halifax sets out a good example of what documents, (described as a bundle), that you might need to put together when the time comes. There is also another example in the Bank Templates Library which you can use.

 

Good luck

[jas 4]

jonni2bad v Halifax sets out a good example of what documents, (described as a bundle), that you might need to put together when the time comes. There is also another example in the Bank Templates Library which you can use.

 

Good luck

 

Thank you.... I will have a good read of jonni2bad thread, just got myself into a panic as I don't want to let myself down by appearing stupid and not having the right documents.... should I write out some sort of statement, I have until 30.10.06 to return documents to all parties...

Do you know I feel like ringing the courts and withdrawing my claim!!!

[Bookworm]

Jonni's is aiming at a default removal, and a lot of it is irrelevant to your claim. Stick to the one I have made up in the Library, and make sure you read the post I've made that accompanies it!

 

essjaysea, I'm in Croydon too! (mind you, mine is in November!)

[jas 4]

Jonni's is aiming at a default removal, and a lot of it is irrelevant to your claim. Stick to the one I have made up in the Library, and make sure you read the post I've made that accompanies it!

 

essjaysea, I'm in Croydon too! (mind you, mine is in November!)

 

Thanks for that Bookworm, I was feeling a little overwhelmed, it's been a long time since I had to do any form of revision and although I am reading and reading everything, it just doesn't seem to be sinking in.....!!

 

One more question, the documents I include do I have to photo copy 6 years worth of bank statements and include these as well???

 

Thanx once again!!

[Bookworm]

No, only the ones with charges on them.

[jas 4]

No, only the ones with charges on them.

 

What would I do without you...... thank you!!

[Bookworm]

What would I do without you......

 

End up with a big electricity bill and a hernia.

[jas 4]

End up with a big electricity bill and a hernia.

 

Ha, Ha....

 

One more thing.... and just to clarify ... I have prepared my court bundle with the help of your excellent thread in the library and have included the following information:

 

All Correspondence, mine and the banks

Schedule of Charges

Bank Statements (luckily not 6 years worth... only the ones with charges on)!!

Relevant case law summary (as per library)

Early day motion from the house of parliament (as per library)

Dunlop v new garage

UTCCR 1999

UCTA 1977

SOGA 1982

OFT statement summary

 

Will this do ??? and when do you think I should send it.... (it needs to be in by 30.10.06, should i leave it till the last minute in the hope that they will settle before the date or send it straight away???

 

Also have read an interesting article on Financial News, City News, Mortgages, Loans, Savings, Pensions, Market Reports | This is Money by the Daily Mail Finance Editor, calling for magistrates to reprimand banks for wasting court time... the article is entitled Endowment Anguish goes on if anyone wants to read it.....

 

Thanks again.....