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pov

Unwilling to refund

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hi well after much hard work have finally got onto this site , am exhausted !! Am chasing barclays two closed accounts one business. Have sent letters from money saving expert site and the answer to my "i'll start court proceedings if no answer in two weeks" letter was a letter from Barclays saying they disagree with my view as charges details were provided in terms/conditions upon opening account and they are unwilling to refund charges.Have just been directed here.Has anybody else had this letter and have any advise they can share. Can understand why people give up !! Thanks

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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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what is an LBA ?

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Letter Before Action.

 

the second and final letter you send asking for your money back before you start court action

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Letter before action


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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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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Yes sorry have just caught up have read all the info you suggested but unfortunately it doesn't have an option for my scenario where they are telling me they are unwilling to pay ?? Thank you for giving me your time

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Just follow the procedure on here i would suggest you send them an LBA usint the template then take them to court


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

Forum rules

Cag toolbar

 

 

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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They tell everyone at the beginning they're not going to pay in the hopes you will give up, keep going you'll get there in the end


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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Thank you so much both have saved letter will post tomorrow . do i resend charges printout again ?

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yes you need to send them the spread sheet of charges


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

Forum rules

Cag toolbar

 

 

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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yes, recorded delivery :)


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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Yey well here i go will sort out and post am thank you . am dial up so logging off now.

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Good luck pov :)


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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good luck pov..

 

I didn't even get a partial offer like most people do and i'm currently taking them to court! You can't go wrong on here :)

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hi have two closed accounts Barclays one personal one business . Have just put in mcol a few days ago re personal account and am now a bit confused when does my 14 day deadline start also should I have included all charges details or will the fact that I have already provided Barclays with them twice in letter form count ? thank you

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ok timeline on mcol :-

from date of issue its 5 days to be deemed served

14 days from when deemed served to acknowledgement

28 days from when deemed served to defence

total of 33 days allowed from issue to the defence

 

You should now send your SOC (schedule of charges) to mcol with covering letter found here- http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

Once you receive acknowledgement send SOC (schedule of charges) to B's litigation department with covering letter

 

Hope that helps

 

 

saint

 

.


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

Forum rules

Cag toolbar

 

 

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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Thank you sorry if get mixed up it's so worrying and confusing also am on dial up so have limited time on net as costs a fortune .

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sent my soc's to court on 29th last friday recorded delivery . still not received according to royal mail on line . would anyone suggest that i re send or will i seem too pushy . Don't want rub court manager up wrong way before i begin ??

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There was a postal strike then so there might be a delay ... :)


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

Forum rules

Cag toolbar

 

 

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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Hi Pov, just noticed what you said about dial-up on last page. I can sympathise cos I was until end of May. I would have liked. to spend more time here but was always concious of the minutes ticking by.

 

Now on talktalk broadband which is just as well as I've spent the last month here almost every day reading, learning and getting support and inspiration. Worth it in the end though.

 

Good luck with your claim, Slick


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Ring and ask if they've received it. Easy.

 

;)


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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i filed a claim online against my personal account and it was issued on 22/06/07 is that when the 14 days of default begins so i can request judgement by default or am i getting mixed up AGAIN !! nothing seems to have changed since that date so am assuming Barclays not acknowledged . Can anyone explain if that's right ? thank you

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Pov

 

You need to allow 5 days to be deemed served. The 14 days starts after that

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