OMG well done, is that everything? They don't even have my phone number so I'm not going to get a call!! PS Does that amount include the £100 for you questionnaire!

They may not reply to the LBA. Just go straight to moneyclaim. Just use your new address but make sure you put your account number in the particulars of claim. Make sure you send a letter to the bank asking them to change your address on their systems and make sure any corespondence goes to this new address.

The only transactions that are in question are the charges and nothing else... The chances of it getting to court are very slim anyway...

Not at all, I just assumed you knew the year. When I don't know the dates I use "I had" for a closed account or "I have" for an open account. Keep us informed

Yes you can claim on closed accounts, just like an open account. Same process. Some banks will accept it as a payment into your account, simply because they don't have a process to cash in DPA request money. basically you are getting it free. If you haven;t already done so please read through the FAQs and familarise yourself with the whole process.

Maybe you could just put the year...

Standard letter - can you explain what you mean? All the letters you need are in the Templates section on this site..

Hi again, I really think you should get your head around the FAQs on this site, because if you go rushing into it you may mess things up. You need to use the DPA template letter off this site, print it out, enclose £10 (cheque/postal order) and either hand it in your branch or post it to a branch. They will notbe able to provide the information there and then. It will have to be sent to a special department.

First of all i would read through the FAQs in this site.. Secondly, I would pay the £10 and get a full DPA request sent in. This will cover your back later. Thirdly, go for the last 6 years... they owe you the money and it is yours. Don't worry about been cheeky. Do you think the bank thought they were being cheeky when they took all your money? Finally, what stage are you at, have you sent any letters off yet?

Are you waiting for a full setllement now then? I have posted my reply back already saying thanks, but no thanks!

Could everyone also take into account that Barclays may be fully settling, but with disclosure agreements. Now i know a lot of people on here wouldn't sign a confidentiality clause, but some people will and they obviously cannot post their good fortune up on here or, are not willing to. I know it is a shame, but I expect a few cases have been settled in full by Barclays but we just have not heard about them.

Thanks Spiceskull, thought so "Whilst this letter is written without prejudice save as to costs, in the event that you decline this offer, we will draw this letter to the Court’s attention on the basis that we hold the firm view that this offer is entirely reasonable in the circumstances." I assume the above is just a load of erm, b0110ck5..

They got their Allocation questionnaire in on the last day. I received a copy of it and an iffer letter. They owe me about £1800... Dear Sir, Our Client: Royal bank of Scotland Plc Claim Number: xxxxxxxx We refer to the above matter. Our client considers that your challenge to its charges would fail in Court. Our client believes that its charges are fair, reasonable and transparent. It considers that the amounts debited to your account have been applied strictly in accordance with your agreement with it and its published tariff, which it is satisfied complies with all applicable laws and regulations. Our client is also committed to ensuring the transparency of the information that it gives to its customers about the operation of its products. As such, our client does not believe that your claim has any prospect of succeeding. However, as a gesture of goodwill and strictly on the basis that our client rejects and liability to you, it is willing to offer you a goodwill payment of £900. Acceptance by you of this goodwill payment will be in full and final settlement of your claim against our client and strictly on the basis that:- you agree not to disclose to any third party the fact of, or any details relating to, this payment. You write to the Court withdrawing your claim. Whilst this letter is written without prejudice save as to costs, in the event that you decline this offer, we will draw this letter to the Court’s attention on the basis that we hold the firm view that this offer is entirely reasonable in the circumstances. This offer will remain open for 7 days until Wednesday 14 June 2006. We look forward to hearing from you. Yours faithfully Cobbetts LLP Naturally I am declining the 50% offer, but has anyone any ideas how to respond to this? I would like to mention that I will not lose and the judge will not regard it as an acceptable and resonable offer.. Thanks

Hi mountainofdebt, Don't worry it is just a matter of time. Corbbetts have filled in their allocation questionnaire and sent me a copy with a letter offering me half of the money. See my other thread in a bout an hour or two. I am writing back saying no, full or nothing. SO WHAT I'M SAYING IS THAT GOOD THINGS WILL COME TO THOSE WHO WAIT

To cut a long story short, I made the change with moneyclaim and everything is back on track. In the meantime i have received a response from Corbetts (stock defence written by a 9 year old) with the CPR18 request saying their client cannot identify me, etc. I wrote a sarcastic letter back. Meanwhile I have filled in my Allocation Questionnaire and sent it off. The dealine for them to be back is 3rd June (tmrw, Saturday). I rang the court today and they haven;t received Natwest's Questionnaire... My question is; what will the judge do if he doesn't receive the Questionnaire before the deadline from the defendant?

I am in exactly the same position. They have until the 3rd (which is a Saturday to hand in the allocation Questionnaire, I've done mine) Does the £100 allocation questionnaire money get added to the claim?

I would be very intrgiued to what wording janeyb used in her particulars of claim...

I don't know if anyone has posted this already, but I got this on my email today. Moneysavingexpert email newsletter: Hiya. The reclaim unfair bank charges revolt is moving apace. Next Mon, 5 June, 8pm ITV1, I'm presenting a Tonight programme on it (schedules can change). Some bank charges are thought to be illegal, so people are starting court actions and banks are often settling for £1000s (article: How To Reclaim). One woman I met, a carer for her son, has £3,600 in bank charges, caused primarily because two years ago the benefits office missed her payments for a fortnight, forcing her over her limit triggering charges, which then snowballed. Hideous! (read blog on it) Please suggest to your friends/family they all join this email's distribution list too, the more of us, the more the big companies quake!

No, Manual Intervention actually means when anyone (human as opposed to an automated computer/system/process) has intervened with regards to your account. Examples of manual intervention: Signing a letter (by hand, not a computer printed signature - although these can look very real) A hand typed letter. Some sort of admin work, etc. If they don;t supply you with it then just move on, you have triede and asked the question and if it gets to court (doubtful) then the judge will assume there was none because they cannot provide the proof. Hope this helps

Wouldn't the difference come in handy? I would personally follow it through until the end...

Well done, but IMO I would write back saying no thanks you are claiming for the full cost.. Hopefully I am due a letter as we were on the same schedule

If I am honest, I was happy to get the defence papers through. (mine was 5 or 6 pages too. Think about it - they want you to feel exactly like you do... they don't want you to fill in the Questionnaire, that is exactly why they have sent it before.. Mine will be here tmrw the court have told me. You have done the right thing. Look at the facts, they can't and won't win, but you have got to be strong. Positive thinking. Think of the money and what you will be spending it on this summer, yeah? Like you said, you have a lot of support here and this is what the forum is here for and I am in exactly the same position, so any problems and you just give me a shout! Neo

Thank you, i have already taken that post into consideration. I posted my reply yesterday... and not got my allocation questionnaire yet. Good luck! We are at the same stage so please keep me informed

Yep, Corbbetts or whatever they are called. Very nicely presented with little cardboard corners stapled on their papers with their web address on. Nice touch, shame my I will never use them in my life or my company now. I politely told them that with all due respect Natwest must already know my account number. I also told them politely that I would not respond to a CPR18 request and referred them to CPR27.2 blah blah. I think it is just a standard defence....

you wouldn't have to go to court though, they would probably settle before it got to that stage anyway If it went to court, you could charge interest at 8%, which would bring the total to very roughly £3500 say. I work out 25% that you would get if you let it get that far to be £875. Now unless you work as a SAP Consultant (sorry, IT jargon) that is a lot of money for a day off, especially if you are taking it sick as a perm...