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Welcome to the forum Unicross. Click my FAQS link below to get started, once you are ready to go, post a thread in the Barclays forum and we will all look forward to hearing your progress. Good Luck:)

Welcome! glad you saw the programme, lets hope it makes some people sit up and think! Please have a very good read of the faq etc, links in my signature and above, and take your time to take it all in. Keep us posted in the barclays forum! Crusher

Hi Swamped, Firstly a letter for an SAR is in the library, simply modify it to fit your case. Ok they have issued an N1 form so you have 14 days to respond to it, if you acknowledge it then that time is extended to 28 days. (If the banks can use the extension so can we I think I would acknowledge it and submit a defence within the 28 days allowed. Do you think there may be any unlawful charges in the total being claimed ? I realise they can delay your SAR for 40 days (or even longer) but you could use the defence that you only admit the claim in part and will be making a counterclaim subject to recieving the SAR det

I, also, have spent considerable time consulting with the banks to get the same information. "If the claim is for a large amount, then we will fold just before it reaches the courtroom (plus or minus bank holidays)." The difference is that it didn't cost me a penny to find out.

i'm thinking maybe that 16 jul 04 for 1.75. go back to your statements and see if it has atm somehow identifying it. if so, guess you'll have to take it out of the breakdown. it's the only thing i can see that i think can possibly be an atm charge. so, reading back - i'd send a letter to that person saying i would accept as partial...(use template), adding i now require, xxx+xxxint+xxx court cost = totalxxxx to halt my claim. and to dg: i assume you've received your acknowledgment by now, right? if not, you will very shortly, and on pg 2 is the box where dg ticks "intend to defend fully". send a cover note and a breakdown to dg

You're right, how niave of me to suggest that the banks would be willing to pay £4m to just the members of this site who have filled out the questionairre. How niave of me to suggest that practically 100% of all claims brought against the banks are settled out of court for the full amount. How niave of me to suggest that even the most convincing of defences can be easily picked apart in an evening by a complete layperson with access to this site's resources (been there, got the t-shirt). Yep, you got me on this one, the banks really do appear to be beating us. If only we had some greedy company to charge us for doing exactly we could easily d

Best of luck with your claim. Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

Its actually in the templates library under soundfiles, but here's a copy/paste of it from my bundle file;

Yes get it back from them as it is unlawful. You can go back 6 years you know, so how much have the bank taken from you, just £30? Welcome to the CAG and one of the first things you need to do is to read the FAQ's. Once you have digested it try reading the successful people who have not got back one charge but a lot more. When you have enough information then start a thread in the relevant bank thread and you will get all the help that you need. Good Luck and Welcome once again. Just re read it and saw you are in the right banks thread so please do the above re FAQ's and Nationwide successes. My brain seems to be deceiving me this evening

Reply to whoever sent the offer. Dear [named sender or Sirs] Thank you for your letter dated xx/xx/xx. Prior to receipt of your letter I have filed a claim in the County Court and have therefore incurred further costs. I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, interest and court fees now totalling £xxxx I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder. I will be willing to withdraw my claim upon receipt of unconditional full settlement of my clai

Dear oh dear, Credit Management Services formally Insolvency and debt revovery department, you guys really need to to know the NatWest Archive system. Good old NatWest PLC system that recorded all the times when items are returned, when a marketing note was put on, when someone made an encashment in the early days. As I know and you know the banks may monitor sites like this so here is a message for them. STOP PLYING PEOPLE WITH FALSEHOODS IF YOU CANNOT BE ASKED TO TAKE 5 MINUTES AND PRINT OUT NOTES OF THE NATWEST ARCHIVE AND WHILE YOU ARE DOING THIS TRY ORDERING STATEMENTS AS WELL. NatWest PLC(no longer as many a person has lamented) start

If you accept their offer, you will not be able to go on and get the rest. The only way to get all your money back is to get a Court hearing date. Barclays will then pay up. A lot of people on this site are worried about going to court. The Banks use this fact to intimidate people into giving up. If somebody really did have to go to court and face Barclays - they would be swamped with offers of support. There are others on this site who would relish getting Barclays in Court ! Spotty

Hello dont worry there is plenty of help and advice here. Ok firstly send this letter it will stop them taking your benefits. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html Ok once you are well read on the process send the SAR, you can hand delivery it to your branch if you like just to speed it up a bit. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html Once you have the statements let me know.

Freepost RLTA-CSUE-TCHC Barclays Bank plc Head office customer relations 1 churchill place london e14 5hp Hi i sent all my correspondence to this address. Hope that helps. Regards Sandbag

Hi Damerelle Welcome to the site. there are more links beloow to assist you get around the site. Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages. You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interes

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So many very valid points from everyone, that it's almost becoming difficult to keep focussed on it all. IMHO we should go back to making an application which is then followed by a properly formulated and regulated agreement being sent out, along with all the necessary additional documents. This would allow us to make an informed decision as to whether to continue. The current trend is to do everything online which is what has caused the signature to be negated in the new ammendments. Just like chip and pin this is going to become a major issue totally in favour of the lenders. Maybe it's time to create a new pressure group to

It's OK MrP, I got it. Yep you've got that right. Mine shows £9.36, but yours has probably rounded it up. So you're spready is OK with regard to the Statutory 8%. Now- are you going to claim Contractual interest ?

Be polite but firm, Jodie. Very firm. Didn't you say it has taken them 3 weeks already ? in which case they haven't got another 30 days. They get 40 days from the date they received your SAR, plus another 7 for getting back to you for verification. So give them 50 days from when you posted the SAR. They can't have more than 14 to 20 days left, surely. Don't give them any more - they'll just take advantage of you. Include ALL relevant addresses and ALL relevant account numbers. Include ALL relevant addresses and ALL relevant account numbers. Explain that you are supplying the info to assist them, but that these are not necessarily the

Hi There is no AQ fee if claim is below £1500. Barty:)

They seemed to have changed tack and are now ticking No. That in itself doesn't stop you contacting them, but you no longer have the pretext of 'entering into a daialogue'

Yes it can't proceed without the paperwork. Unless they have supplied letter of assignation, signed true copy of the agreement and statements you can tell the court you do not want to waste their time and respectfully request a stay. They should not have brought proceedings without the papers. I'm in the same boat and just found this out with a response to another thread. No papers - no case.

Here is the POC http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html You attach the schedule of charges and send it to the court and the solicitor. To access your threads go into user cp and list subscriptions.

Hiya Yes your right, below is a letter for not accepting this offer: Your Address Their Address Date Dear Sir/Madam, Sort Code: ACCOUNT NUMBER: Your Reference: In response to your letter offering £xxxx as a goodwill gesture - your offer is accepted only as a partial repayment of the outstanding balance and I do not recognise it as a full and final settlement. Although I appreciate your offer, I would like to notify you that my request is for £xxxx I hope this matter can be resolved amicably and swiftly. Yours Faithfully (your name) Hope that he

Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any ad

Great news on the Cap One front, we can't be that far away from a NW payout too.

muggins did ou send the the offical notice to stop processing your info? You could also try this Re: Formal notice to desist from processing or disclosing personal subject data Statutory Notice pursuant to Sections 10 and 12 of The Data Protection Act 1998 and Section 13.6, Banking Code. Further to your recent letter regarding notification of formal action Please note that this account is currently in dispute, and I have previously been engaging in formal correspondence regarding this matter with, Mr Mike Brophy, Head of Customer Relations, Barclays. Furthermore, his reply to my most recent letter dated 5 October

No it does not effect your claim, it is just a tactic to try and tempt you as Christmas is approaching. As long as you are sure your figures are correct stick to them. Which bank are you with and please stick to one thread I will get this moved and changed. They will pay the full amount in the end.

If you are asking for contractual interest you will not be able to use MCOL as it will not fit in the POC. You will need to use the N1. Executive Office Capital One PO Box 5281 Nottingham NG2 3HX

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to: The Court Manager, Money Claim Online Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH Dear Sir/Madam (Your Name) –v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my clai

I dont view you with scepticism and chastise you for trying to help people, I do it for taking information and resources made freely available to you and then charging others for it rather than helping them for free in turn. You can play the honerable intentions card all you like, there are tens of thousands of us here who happily help each other and anyone else for free. I don't quite know what reaction you expect to get when you are so clearly trying to part people from their reclaimed money for reproduced information that you didn't even come up with yourself.

Hi Chabydis, A few missing apostrophes and you seem to have undergone a gender change since your defence! I would take out this bit if you are claiming 7K: Also I would assume this part needs changing: Otherwise some really good arguments. You might also want to have a look at the new template response to claim for strike out as I have revamped the no breach argument a little. All the best Zoot

I don't bank with HSBC and I haven't won...yet, but I've received my first goodwill gesture from Natwest (which I have respectfully declined) and on the same day received a letter from the banks' collections dept stating that they may be forced to issue me with a default notice for failing to to bring my accounts within the arrangements agreed (plonkers!!!) I have written them a lovely BOG-OFF letter advising them that they are unable to take this sort of action against me and/or my accounts whilst it is already in dispute. I also added a long winded section about harrassment, to boot. Normally, at this stage, I would be extremely worried

the general feeling with hsbc is you are ok to claim once - but on the second claim - they will probably close your accout. i'm sure i read of one where it happened on the first claim - but i think their were other issues. overdraft is not an issue - it's an hsbc fact of life. so stop worrying - read the newcomer info and just get stuck in. look at the survey totals - and look at the success threads for hsbc. literally hundreds of people have claimed and been successful by following the instructions. i'm just one of a long line of people who succeeded and stuck around to help out others, as i was helped. couple of months from now - yo

Submit MCOL once the deadline arrives. You gave them 14 days to give you a satifactory response, it's their fault if they let the deadline come and go.

I'm pretty sure it was this number from the contact details thread Halifax have yet to respond to my letter, so it looks as if we can just start the process, at the end of the day the end result is the same they would still have to address the charge in Court.

Hi Jessica, Please read through the FAQ's but yes you do add the 8% interest at the MCOL stage. You claim for interest on each charge that was over your agreed OD limit or would have caused you to go over you limit, so basically if you deducted all the charges from your statements as they were applied my guess is that you would be still within your OD limit (well . . you could argue that) Have you used the spreadsheet in the library to calculate your charges total, if you do it will work out the interest for you. have a look at http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls

The camera you mention should be the vivitar 3mp camera. The person who sold it too you at the till should have explained that the camera does not capture sound, and was a misprint in the catalogue. Should you have not been told this complain to the manager as the staff have not been reading out the bulletins. Regarding rights under not described, you are entitled to a full refund, however not to a more expensive model that has this feature. Mistakes are made out of human error, and as I know the message is on the tills, and should also be in there in-store browsers, they have done as much as they can to alert you before you pay. Its

Hi Jon The LloydsTSB forum can be found here : http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ It's alot easier filing your claim online via the MCOL website. They will serve the papers and transfer the claim to your local County Court once a defence has been entered. If you haven't a debit or credit card then you will have to do it at your local County Court. Also, refrain from using words like "stolen". It libeous (is that spelt right?) and could have consequences for the site.

A couple of thoughts on this having been through the court process with Halifax and then received further charges on my account - CLOSING ACCOUNT - I`m sure that if this was tested in court it would be seen as retalitary action by the bank, this would not, I suggest, look very good to either the court or the Financial Ombudsman. ACCOUNT MANAGED RESPONSIBLY - The agreement to manage the account in a responsible manner is both the responsibility of the customer and the bank, and whilst going overdrawn is irisponsible, the applying of Penalty`s on the account would be viewed the same, and whilst we all agree to pay charges when we do w

You should be able to reclaim those charges that are penalties and have been overcharged. This will apply both to DLC and Citibank. If you read the FAQS on the first page of the CAG site, and read all the info. including the step by step guide you will find out how to reclaim your bank charges. You will find during your search, a letter called a CCA request which you can send to DCL along with £1 and that should give you a breakdown of the charges applied by them. Until they respond, you are in dispute with them and they cannot enforce payment of the debt. Once you have got back the unlawful charges from the bank and the DCL, you

I personally wouldn't wait until the 40 days are up. Here is a letter GaryH passed on to me for my Lloyds claim: (THEIR ADDRESS) (DATE) Dear Sir/Madam, ACCOUNT NUMBER: ********** You have, to date, failed to comply with my Data Protection Act 1998 Subject Access Request. This request, dated (**/**/**), was sent to (THE ADDRESS YOU SENT IT) by first class (recorded) delivery on (**/**/**), along with a cheque for the statutory maximum fee of £10. Please find a copy of the Subject Access Request enclosed with this letter (along with a copy of the proof of postage). The 40 days allowed for compliance will expi

HTH Glenn

Right. All done and dusted!!! Have been away for a few days, but I had an offer from HSBC/DG solicitors the day before I left (Sat 25th), which I accepted. Stupidly, I didn't delete the confidentiality clause, so can't disclose details, but I am v. happy. It was credited to my account on the 27th. :D How do I get this thread moved to the won/settled section?? I'll be making a donation to the site and a HUGE thanks to everyone that has helped me out. It can be a very trying and stressful experience dealing with these corporate big boys, but to see so many people getting back what they're owed spurred me along! It does prove that patience

I need to send a letter asking them to provide me with a list of the charges they have refunded so far. How does this sound? Dear Mr Bacon, ACCOUNT NUMBER: XXXX/XXXXXXXXX CLAIM NO: XXXXXXXX Please can you provide me with a complete list of charges with dates and amounts of each charge refunded so far so that I may check them against my own figures to identify where the difference is. I do intend to continue with my court case against Nationwide but would obviously rather resolve this issue sooner if possible – as I’m sure you would to. Yours faithfully, Also as my account has been closed for some time no

Hi I have sent SARS for 5 accounts to the relevant credit companies and banks, to date not one of them has given me full information for the past 6 years. Barclaycard say I can pay £3 a sheet because its on microfishe, but Lloyds and Halifax have just sent incomplete information. They have all cashed the £10.00 fee !! What do I do next ?? Thanks:confused:

Thanks Michael, much appreciated. Looking forward to getting the ball rolling. Great website, thanks to everyone who's contributed and shared thier battles!

Hi, I could do with some guidance here! I have been to-ing and fro-ing with Abbey since May. I sent my LBA letter in August requesting £884 (even though Abbey hadn't sent all my statements - they were using the microfiche argument) I then received a letter stating that as a GOGW they had credited £250 to my account. I have now received print outs with a complete list of charges back to 2002 and want to start the moneyclaim. As the amount has now increased from the original LBA (it's now £1576) can I go straight ahead with the claim? or should I re-send the LBA and wait a further 14days? I have other issues - they have given