Paintball, If you don't want to claim contractual interest that is fine of course, but despite all the waffle, it really isn't that hard of a concept when you get right down to it. When we use the Bank's money without authorisation (using a debit card without funds available, paying a direct debit without funds available etc), the bank charge us a penalty. The also then charge interest at their unauthorised rate (usually 25-30%) on the amount of their money that has been used. So for example if you have a £100 direct debit come out of your account, but you only have £50, you will use £50 of the bank's money without authorisatio

After reading through everything I should have on this site (I hope), I spent most of today looking through my filing. I have most of my statements going back to as far as 1997. Some are missing but I will request those in a SAR to Barclays as of Monday. From Jan 98 to Jun 91 my bank charges and interest are over £250 and that's just one account. I'm a bit confused about the interest as I've literally noted down what I was charged in the same statement but will work the breakdown out at a later stage. I've had a play around with the Complex Bank S/S but for some reason even if I put in all the figures, it doesn't work out my interest

but if they had (which to obviously haven't, then Kingshill would no longer be able to do anything with your data and therefore record info with CRAs.

Just a quick update. I've uploaded version v1.9 of the spreadsheet. Changes include: Removed the monthly interest tab as it is redundant Fixed a bug where certain sort codes could be interpreted as dates Re-wrote certain formulas in order to provide compatibility with OpenOffice Calc Ive tested this with Excel 97, 2000, 2003 and 2007 and OpenOffice Calc 2.1. For anyone who is unsure, OpenOffice is an office suite that is essentially a set of clones of the MS Office applications such as Word, Escel, Access etc. The best part about it is, it is 100% free. Just download and install. This means you no longer ne

Gresham Street (watch the spelling) is the registered office to send the N1 to. Not sure why you cannot download the N1 and not sure about the question your are asking regarding interest, do you mean the daily rate or the interest since the penalty was applied? To help though, if you want to PM me your email address I can send you a completed PDF N1, that should hopefully resolve both your difficulties.

I'm sorry if i missed your point, the post i refered to didn't seem to include a question but a series of statements basically saying how you were confused, now that MINDZAI has kindly spent a lot of effort setting out some thoughts, i hope that has helped FWIW I don't know of anyone on here who is being paid to contribute, I make this obvious statement not because i want paying or suspect anyone else does, but just to try to highlight the fact that any time given to posting what were normally think of as helpful comments and information is done in the spirit of trying to assist. If it doesn't come across like that then i apologise,

Done a little research on it and it cant be used in Scotland. The English requirement for consideration does not apply in Scotland, so it is possible to have a gratuitous contract where all the obligations are on one side. Note however that not all declarations made by a person to another person will amount to a promise that is enforceable under Scots law. In particular, a declaration of intention, a testamentary provision and an offer will not be a promise.

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Why thank you stansfield

Youve lost even me now!!!!

please tell me 'him 'em' is a typo! my mind is full of images I don't want!

Hi Don't be concerned, the Courts are probably very busy with all these claims at the moment. Give them a ring, they're very helpful, and they will be able to tell you what is happening with your claim. Barty:)

Hi What's a Mook, From what you have explained I think it would be prudent to send a SAR to Barclaycard, to obtain copies of all the statements for the lifetime of the a/c. Additionally, I would ask for copies of all the notes that have been put on your a/c, held either manually or on computer. You may be able to find defamatory comments in amongst the details. People that work at these companies are careless and do not realise the possible ramifications of written comments. I would also ask for details of all calls made to your home/work telephone numbers from their collections dept, or any other dept involved in the recovery of the deb

Hi After reading countless threads regarding problems derived from accepting/cashing "part settlement" cheques , the most recent two are http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/60590-problem-clydesdale-bank-please.html and http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/60127-court-clydesdale-bank.html With all due respect for jonni2bad `s template letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html, which I have used and trusted myself , could I make the suggestion that , in my opinion , it should be c

I heard on the radio yesterday, via a bank employee who emailed in, that the banks are not only setting aside funds for the claims for bank charges BUT they are also kakking bricks in case a business customer claims charges back for their business accounts AND makes a huge claim if they have gone bankrupt due to this - the banks don't think that they would win any action like this. Any thoughts?

Does not display on short posts or, I think, if your signature appears more than twice on one page - all to save bandwith. I may not be helped by the current site maintenance. Try it out here.

Can you explain why the interest free overdraft would increase you claim totals? How much money are we talking about here, it cannot be much? The AQ is not really the place to send a revised schedule of charges. Anyway think seriously before you revise it. If you revise it you will have to apply to amend your claim (£35 non refundable) and it may slow your claim down by a few months. Barty has posted in thread 4 above the link for completing the AQ, however to speed things up you really need to complete as the New Strategy below: http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.ht

Hi a184, I used the following paragraph in my letter to them: Additionally you have placed a default marker on my credit file with Equifax. This default occurred either as a direct result of your unlawful charges or was due to impecuniocities caused by your unlawful charges. I would like this removed. Marking it as satisfied is not acceptable. In my particulars of claim I just stated "Removal of adverse data from my credit file" as one of my requests. This has worked three out of three times. Good luck

You could make it part of your POC saying that adverse information on your CRA's is down to these unlawfull charges and using some of what was said by stevokenevo. as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

I have successfully claimed against Barclays and they settled in full just after Christmas. I have two accounts, one that I use regularly for bills etc and the other that is sat there with a scary overdraft. I have had no problems with them and did not even open a parachute account. They haven't threatened me about the overdraft or anything. Throughout the whole process, I have found all the staff I have dealt with from the call centre staff to the legal clerks dealing with my claim to be friendly and helpful. So don't feel that you should accept a gesture of goodwill just to keep things friendly. I had no problems and would commend the

Ring this lady Kelly Duffy Senior Customer Relations Manager Executive Office Customer Relations Direct Dial 01422 326326 Fax 01422 326688 kellyduffy@halifax.co.uk No promises, don't mention me (I'm not her favourite because I give everyone her details!) However, I've found her to be very professional and efficient. Hope that helps - I hate seeing a post with 0 replies!! A D

I've just got back here and read up the last day's posts. Blimey, it's been busy, here. Well done everybody, as you seem to have managed to get Painball, Howdy and Delboy back on track. I hope you all got some clicks !! I shall have to make myself scarce a bit more often, as it seemed to do the trick. [tail between legs, whining] Paintball, I repeat my apology earlier, for sounding insulting in a post. I also repeat my offer to all here who are not sure of their spready figures to post a couple of lines (the earliest) for someone to check here. I will if I'm about, but others may, too. We need to know the amount and date of

You can tell the bank to take the money back as you do not accept it as a settlement. they may even settle for the full amount.

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That's really your call. My advice would be unauthorised as logically it seems more appropriate. Yes that figure will be on their site somewhere, although I had a very quick look but couldn't see it. Have a hunt around, it will be there. The link in my sig is an Excel spreadsheet. To use it you will need to have microsoft Excel installed - just save it to your computer then open with Excel. Later tonight I will be updating the spreadsheet to a version that also works with OpenOffice for those that dont have Excel as this is free to download.

Hi Joe. Congratulations. Well done. Regards, Rooster.

You should report their failure to comply with the CCA request to Trading Standards. You should also mention the continued harassment. Ask TS what they intend to do about it. If they do nothing ask them again and say that if they don't take action you will speak to your local councillor and (most importantly) make a formal complaint first through the council's own procedures and then to the local government ombudsman. You may need to get a bit stroppy to actually get them to do something. It all depends on your council. You should also get hold of your credit reference file and check that nothing has been recorded there.

I don't know! I had it too. Just make sure you claim it all and they will give it back to you with interest - on the interest! A D

SAR - I do'nt think that Sort Codes will be totally necessary but you could maybe add what branch they were at and yes you can claim the £10 back, remoiving the line about pcking up is fine too. As far as the court thing I am not sure if you would actually need to be registered as disabled to use this act and although the documents used can look intimidating we are all here to support you anyway.

Hi Claimcat. You have two choices. First, you can accept the offer and leave it at that. Second you can reclaim every last penny. If you opt for the second, then you will have to start again from the beginning, because you have made mistakes often made by users that don't bother to read the FAQs etc. The most obvious mistake is that you have claimed back to 1998. You can claim back six years from the date that the countycourt summons is issued by the court, which would be the beginning of 2001. Further back than that is barred by the statute of limitations. Spend a few days reading the FAQs and the step by step guide

Opened account 6 yrs ago- ran into difficultys 2 yrs ago -account passed to outside agency Newmans. Had asked for help of CCCS who helped me work out offers.Within one day after receiving offers -talk took place between Amex and Newmans and account was closed and recoded to RMA Resolve.There was an immediate file referral fee of 114 Pounds and accrual interest of approx 40 pounds over next 2 months.This information was on my S.A.R. forms just received back. Approx charges of 250.00 pounds made up of Over limit fees and Late payment fees.Was hoping to get reduction on account but they seem to have demolished that idea.I think i will no

Good for you! Please start a thread in the RBS forum if you haven't already done and keep us updated.

Hi Halifaxmug. Yes, you can claim back up to 6 years. Beyond that you are up against the statute of limitations. Some users are feeling the water with statute barred claims but it is early days and potentially expensive. Spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your initial questions and ahow you what you have to do. Start your own thread in your bank's forum and post any questions and progress reports there. Any help that you need won't be far away. Regards, Rooster.

Chap's name Is Declan Purcell, here's the story from the Mail. Customer sends bailiffs in to seize bank's computers | the Daily Mail He's a CAG member too...his thread is here. http://www.consumeractiongroup.co.uk/forum/bailiffs/58208-baliff-has-taken-banks.html Clicky would be nice Phil

Dont start getting your bundle together just yet no point in being out the expense and effort to have it all wasted ring Barclays you know and i know they are going to settle they dont want to go to court dont waste the moment phone them now you have read the threads we have all phoned them i personally think they expect us to ring them now so come on phone them they are really nice to deal with no ackward question just have your name claim number and total amount being amount of claim plus interest plus costs in front of you just ask for legal clerk dealing with your claim if its to soon they will tell you you will be receiving a letter in s

well i had a phone call yesterday from the Halifax , they started out offering me half the amount, then pushed it to £4000 to which i stated i have been doing my research and it's quite apparent that they're evidently paying people the full amount and so i would be holding out for at least £5000 . The same guy called back 5 minutes later to tell me that they are going to give me the full amount back - and they will be sending the form out for me to sign and complete so we have one happy bunny right here :D :D

I got it today. Ripped the envelope open excitedly just an hour ago. Then tore the letter to pieces with my teeth in a rage. anyone got any sellotape? oh - I remember now: I got that office kit for 73p from Tesco's. It's around here somewhere..... W

Hi Yorkshire Rose I don't think your dense. Going to the MCOL stage does worry people about the possibility of going to court. Mistakes are made. As long as you follow the advice on the threads and use the template library, you should be ok. I will get your thread moved to the Halifax. Good luck Uk

Personally i would write back to them and point out the errors of their ways. I have recently settled with Barclaycards and had a similar letter, you might wish to have a look at my settlement response for some ideas. Couple of points, costs are claimable until the claim is allocated to the small claims track and you are no doubt aware and they certainly will be that some judges have allocated claims to the fast, multi or mercantile courts. So its up to you, bit i would tell basically tell them to put up or shut up, in the nicest way you understand. JMHO Glenn

The following link will help http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Not sure if you have already completed a spreadsheet of charges yet, basically anything that is a fee/charge include (including any interest that was added as part of a charge) service charges no matter how unfair they seem do not. I hope this will help, if so please tick the scales. regards Sharkie

There is a good reason why the letters have 14 and not 7 days on them. The CAG templates are tried and tested, you should stick with them, in particular the time periods. I see too many people stray away from the methods advocated on site or just not following the directions (or even reading them) with the results that it costs them more money and makes matters very difficult for them. We need to be more careful and thorough than ever before when preparing and litigating our claims, with orders like Kazzaw's etc. someone will be in court soon. If someone has not followed the CAG directions carefully then Lloyds are more lik

You shouldn't have to pay anything - the goods you bought should be of reasonable quality and last for a reasonable ammount of time - spending £2k on a telly you'd expect it to last more than 2 years and as such as it hasn't Currys should be doing the repair for free or giving you a part refund (full price - usage)

The bundle is a folder of documents that you give to the defendant, the court and a copy for yourself. Look here for explanation http://www.consumeractiongroup.co.uk/forum/abbey-bank/52494-read-now-if-you.html

Again I am giving Sadie a hand with this one and have just read all her thread. I note that she has received the £750 goodwill payment, how should this be accounted for in the calculations. Is it correct to deduct the most recent charges that equate to the £750 - this then results in the maximum interest because such is greater on the older charges?

You can contact your MP thru WriteToThem.com - Email or fax your Councillor, MP, MEP, MSP or Welsh, NI, London Assembly Member for free there is no way a Local Authority should let you get to the point of eviction to class you as homeless I thought all they needed was the Sect 21 as evidence, they can and almost alyways will leave it until the last minute but with a disabled child this should not happen. I hope your MP is as good as mine as we were in a similar situation and got so close to an eviction notice and one call from our MP to the housing director made an empty property suddenly appear...funny that.

Leave it. They're minor mistakes not worth worrying about. Tell Langdale you accept as partial etc, but have now filed claim and with court cost and 8% interest claim is now £xxxx

Hi Jamorgan, here is the defence as promised, the numbers and some of the structure have been distorted a little on copying and pasting it.You can get the basic jist of it. If you pm me your e-mail address I can e-mail it to you as a word document. You might want to go through and check the spelling or see if there is anything you'd like to add or leave off. I'm also going to direct some others here to take a look so you might want to see if any one else has any comments before submitting it. All the best Zoot

I fully agree with you Terminator, and if I can help just one person recover half as much as this site has helped me recover I will be happy. I love your signature and lmao at it tempted to steal part of it lol.