Hi Everyone Update - Update - Update I received a letter from Barclays for my claim for £3100 +600 in interest today. Sorry to hear that I am unhappy with the bank charges, however when I opened my account with them I was given a copy of their Terms & Conditions which spelt out details of their charges. It clearly explained the obligation to their customers and the customers obligation to them. They also noted that there is an outstanding debt of £861 on my account. Although they are not accepting liability they are willing to offer £2300 in full and final settlement of the claim as a gesture of goodwill "This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill". From that money they will take the £900 from the outstanding debt and will lodge a notice of satisfaction with the relevant credit reference agency but do not intend to make any amendments to the existing record. They have sent a letter for me to sign saying I accept the sum in full and final settlement of my claim against Barclays and I understand this sum will be used to repay my debt of £900 and the balance sent to me. HELP WHAT DOES THIS MEAN??? and WHAT SHOULD I DO??? There 14 days are up and I was going to start court proceedings on Monday.....ANY ADVICE FROM ANYONE????? :???: Update - I rang Barclays this morning to discuss the settlement and was told by a rather nice lady that that was the full and final settlement and they could not change the financial offer!!!! :???: My heart and mind is telling me to carry on any advice anyone, I am getting a bit jittery - I am also trying to sort out LloydsTSB

Hi Everyone Update - Update - Update I received a letter from Barclays for my claim for £3100 +600 in interest today. Sorry to hear that I am unhappy with the bank charges, however when I opened my account with them I was given a copy of their Terms & Conditions which spelt out details of their charges. It clearly explained the obligation to their customers and the customers obligation to them. They also noted that there is an outstanding debt of £861 on my account. Although they are not accepting liability they are willing to offer £2300 in full and final settlement of the claim as a gesture of goodwill "This is with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill". From that money they will take the £900 from the outstanding debt and will lodge a notice of satisfaction with the relevant credit reference agency but do not intend to make any amendments to the existing record. They have sent a letter for me to sign saying I accept the sum in full and final settlement of my claim against Barclays and I understand this sum will be used to repay my debt of £900 and the balance sent to me. HELP WHAT DOES THIS MEAN??? and WHAT SHOULD I DO??? There 14 days are up and I was going to start court proceedings on Monday.....ANY ADVICE FROM ANYONE?????

thanks and I will keep you posted

Hi every one after successfully claiming against Nationwide I am now in the process of going for Woolwich, Lloyds and Abbey. Woolwich - I have sent in the prelim letters for claiming 3000+ and they sent back all these lovely caring letters saying they were dealing with it but it would take longer than anticipated. I have since sent in my letter informing them that I was taking them to court and surprise surprise I receive a letter from them saying that my claim has been sent to the Barclays head office as it has now escalated!!! If I do not hear from them in 14 days I intend to file - which registered address do I use and how am I taking on Barclays or Woolwich. Please advise

Dont feel bad I feel for the same trick with Abbey and like you I am going for it now - also just to make you feel even better they are not the only one trying it so are Woolwich once I sent in my letter claiming back their charges 3000+ they told me they are going to transfer my claim to Barclays to deal with due to the nature of my claim it has been escalated to head office!!!

Hi everyone thanks for the message of encourangment - well here comes the update - Nationwide settled in full on the day the court summons ran out!!! However the account was transferred to debt recovery last year and I was paying off the debt with them - which was down to 280 however according to nationwide the account was still with them as well attracting yes you've guessed it interest and o/draft excess fee! will be speaking to them on Tuesday about this otherwise I will continue with my case but this time claiming back those charges unless they clear them.

Firstly hello everyone, came to yourselves as I am totally overwhelmed with this claiming bank charges. 1. Nationwide - when I was off on maternity leave I forgot to cancel dd with the company but did with n/wide but they charged me £30.00 each time they were asked and insufficient money was in the account, I got angry decided to claim back all the charges since they would not refund the initial £30's now I have taken them to court for £1750 + interest they waited till the last day to contest it and now I am awaiting the next step from the court not sure what to do then. Next Lloyds refused to refund my over my overdraft charge £35.00 so I reclaimed the lot £1800 plus interest just got a letter from them today saying they will not refund any of it as it is in their contract - should I send them another letter reiterating taking them to court or just start court proceeding. I just need some reassuring and helpful pointers as I am a bit scared.