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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Burgess v Barclays


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Hi.

 

I've refused the initial offer from Barclays and they've now written back with the following:

 

"I am unable to refund you the full amount and it is with regret that you will now be proceeding to the County Court. I appreciate this is not the response you were hoping for, but I hope I have clarified the Bank's position."

 

When I initially read the letter I thought this was telling me that they were going to take me to court, but that can't possibly be right. So, I assume my next stage is to file a claim through Moneyclaim, right?

 

Quite frankly, this is ridiculous. I'm sure it's cost them more in staff wages responding to my letters than the amount I'm claiming. Going to court (which I'm pretty confident they're not actually going to do) is just going to compound their costs further.

 

Thanks,

 

Matt

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Hello Matt, welcome to the best forum on the internet.

 

Yes, the next stage is the Moneyclaim.......... Good luck with your claim. ;)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Good luck. Keep us informed.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Bookworm, yes, it should be Burgess v Barclays but as I originally thought they were considering taking me to court I swapped the claimant and defendant round (well, that's my excuse and I'm sticking by it ;-) ). As for the Americanism, I guess that just slipped in after reading far too much about the SCO vs. Redhat case that's going on over the pond!

 

Anyway, the claim has now been submitted. Thanks to everyone who's supplied the invaluable information on this site.

 

Regards,

 

Matt.

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I think the SCO v IBM fight is more fun. But that's personal preference...

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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  • 5 weeks later...

What with other stuff going on I completely forgot about this! I filed my claim on 22nd June, and an Acknowledgement of Service was filed by Barclays on 23rd June. They intended to defend all of the claim, and as such, I believe, had 28 days in which to file a defence. I make that to be today (assuming they're not talking about 28 working days), and I've not received any paperwork relating to the defence yet. I suppose they could've filed the defence today so I suppose it's reasonable to wait a couple of days for Royal Mail to get the stuff to me. Just out of interest, has anyone else had Barclays fail to submit a defence and therefore managed to get their money back by default?

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Log onto Moneyclaim and file for a judgement by default. As long as the full 28 days has passed it will let you do it. You will then get a letter from the courts sent out in the post.

 

I would suggest doing a search for judgement by default on here to see what the possible outcomes could be. When I did this for my OH with Capital One, they settled about two weeks later.

Don't forget to contribute to the CAG. Without them we would probably still be drafting our prelim letters.

OH Cap One - £436/ So far received £40. MCOL submitted 17/7/06. Caved 4/8/06 for full amount!!!

OH Monument - £140, claim filed 8th May. Requested judgement by default, settled in full 4th July via out of court settlement (see thread). Total £192ish received.

Me Barclays - £630. Received letter 13th May offering £300 full and final (they can bog off). Claim filed 16th May. Acknowledgement of Service filed 22nd May to defend all of the claim. Allocation Questionnaire completed and Stay been ordered by Judge on 18/7/06!!!

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Well, MoneyClaim isn't allowing me to request a judgement by default, presumably because it doesn't think 28 days have elapsed. The claim was filed on 22/06/2006, the Acknowledgement of Service was filed on 23/06/2006. I make 28 days from the date of filing to be 21/07/2006, unless they mean 28 working days? In which case it'd be 02/08/2006.

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Well, MoneyClaim isn't allowing me to request a judgement by default, presumably because it doesn't think 28 days have elapsed. The claim was filed on 22/06/2006, the Acknowledgement of Service was filed on 23/06/2006. I make 28 days from the date of filing to be 21/07/2006, unless they mean 28 working days? In which case it'd be 02/08/2006.

 

I am at exactly the same point as you. Original notice 21st June. Acknowledgement of Service filed 23rd June. I rang the Moneyclaim Line this morning and they said go ahead with entering judgement. I don't believe it is working days - the lady this morning was very helpful. She said that they then have a calendar month to pay up. Quite frankly if they wait another month then it will only cost them another £11 in interest charges.

 

I have not tried it on the Moneyclaim website yet though. I will respond here later on once I have tried.

 

FYI - my thread is BBloke v Barclays.

 

Good luck

 

BB

NEW Barclays Bank claim - £80 requested. LBA not acknowledged yet. 14 days have passed. Moneyclaim about to be dispatched for second time.

 

Barclays Bank - £2155 requested. LBA acknowledged and awaiting response. Offer of £875 made and refused. Moneyclaim issued 20th June 2006. Court date issued for 15th November 2006. £2325 including costs.....and growing at 39p a day

 

Amex - £15 refunded.

Halifax Credit Card - £25 refunded.

Co-Op Credit Card - £25 returned. Credit file amended.

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So, presumably you're filling out a paper-based from rather than something online, as MoneyClaim physically won't let me proceed to enter a judgement by default? Ack...now getting back from lunch my case has changed its status to "Defence"! Ho hum, looks like I'm in for the long haul!

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Exactly what has just happened to me!!! After I posted here I went to check and low and behold a defence. I had the option to start judgement this morning! Well I guess its another 28 day wait now?!?! Or is it. How long before the court assigns a date? If this goes to court you're all invited! We'll hire some coaches and make a day of it. Oh well lets look forward to the post in the next couple of days.

BB

NEW Barclays Bank claim - £80 requested. LBA not acknowledged yet. 14 days have passed. Moneyclaim about to be dispatched for second time.

 

Barclays Bank - £2155 requested. LBA acknowledged and awaiting response. Offer of £875 made and refused. Moneyclaim issued 20th June 2006. Court date issued for 15th November 2006. £2325 including costs.....and growing at 39p a day

 

Amex - £15 refunded.

Halifax Credit Card - £25 refunded.

Co-Op Credit Card - £25 returned. Credit file amended.

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Ok, no panic!

 

You are a long away from a courtroom, so settle down.

 

A few basic facts first: Barclays have so far just about held down the longest on each and every claim. They make an offer, usually 50%, when you refuse, they then make a great show of toughness by saying they'll go to court. They never have, and IMO, are not about to start either.

 

You should be receiving a defence within the next few days. If you have a look at my Barclays thread,

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/5035-bookworm-barclays.html

 

you can see what to expect pretty much word for word.

 

You will have about 2 weeks to fill the accompanying Allocation Questionaire (a how-to for AQ is in Library), and after that, settle down for the long wait.

 

A few people have managed to cut corners by contacting the solicitor for Barclays at that stage, but it is not somethign I would advise unless you know what you're doing and are very determined and firm, or you'll end up agreeing to less then 100% refund or strings attached.

 

Post back here once you have your defence, and keep us posted. Same to you, BBloke.

 

Burgess, I have changed your title to reflect the more combative, pro-active (and English) you! ;-)

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Burgess, I have changed your title to reflect the more combative, pro-active (and English) you! :wink:

 

Thanks!

 

The defence came through today. It's the standard one that has been posted on this forum several times already, complete with rather unprofessional looking spelling errors, etc. Also, there didn't seem to be enough space in the "Defence" section - point 7. is cut off mid-sentence.

 

Point 1 mentions that I never gave them details of the particular account, which I did in my first letter to them! Admittedly, I didn't provide details of the exact charges I'm wanting refunded, but they already have that information (all charges for the 12 months I've had the account).

 

Is this information worth putting this information in Section G "Other Information", or even a list of the specific charges, with amounts & dates in there, or can that be done if/when this eventually gets to court?

 

Thanks,

 

Matt.

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