Good evening/Good morning (depending on your point of view). I have just read the announcement about claiming back the interest charged my overdraft which is 100% made up of bank charges! plus 8% This weekend the forecast is for rain, and lots of it, so this will help pass the time. First of all I'll need to workout at which point the overdraft became soley charges. Will keep you updated. Many thanks for this information!

Evening all. I have obviously been in la la land when this new charging malarky came about. I have noticed that my interest payments have gone up a few pounds on my o/draft because once upon a time the first £250.00 was free, then the rest was charged at a certain rate. Now none of the o/draft at my agreed level is free. But get this, anything over that is! Stranger way of charging if you ask me! Good luck to Dave and Marc. Cheque in the post. Please cash it as soon as received. Regards vincymum

So much left unsaid! All this waiting is frustrating. I just can't imagine what arguements the banks will come up with next. Cos if they are not offering a service:o , and the charges are not penalties:o :o my poor little brain can't think beyond liquidated damages:o :o :o . I'll just have to keep my eyes peeled here on this website for the answers!

Just trying to get my head around the initial judgement. As I understand it, according to the Judge, 1. The bank charges are not penalties???!!?, 2. The terms and conditions are written in clear english etc.... So as someone else hinted/said does this mean that they are liquidated damages (on personal accounts anyway)??? What might the banks feel about that?

Well did not spend all of it in the same shop saintly ! Thanks to you too for still being here and helping us all out. Regards, vincymum

Hi slick132. Thanks for your reply. I've had a great day today, firstly with the first round of the fight in our favour, and then finding 5pence in a carrier bag!! Glad to know you are still here helping. Thanks Regards, vincymum

Evening all. Hope everyone is doing ok. Lots been going on in my private life. Just a quick line to ask if alanfromderby managed to get my t&c,s I sent to him, and also to let people know that Barclays wrote to me saying somethng along the lines of can we wait for the earlier of the 1st july 08 to resume this business or until the outcome. Then the court wrote to me telling me that it had made an ordera long the same lines. So like everyone else, I carry on waiting. ttfn vincymum

Thanks for the reply saintly. On their way vincymum

Thanks Slick. I was just wondering if there was anything I should be doing in the meanwhile. Yes, I've got original T&C's I've found under the sofa if he still wants 'em.

Morning. I have some questions, and apologise in advanace if the first one has been answered before. Firstly, my case has been stayed like so many others pending the outcome of the case. My general form of judgement or order also says that Either party may apply in writing to the Court Office to reinstate the claim. Assuming the deadline comes and goes without a resolution to the case, could the judge stay my case yet again? And how soon after the stay date can I re-apply to the court? Secondly does the alan from derby po box address still exist? Curious vincymum

Happy new year to you Happy new year to you Well its better late than never Happy new year to youuuuuu xXx

Hi saintly, good to hear from you. No I don't have one. I do not intend to use my account for anything other than receiving monies and then paying it into another outside of Barclays (details had been set up before the cut off date). Would not give them the opportunity to offer/charge me for yet another 'service' that I did not asks for. In a recent ish leaflet Barclays went on about if you have online banking, then your computer must have x,y,&Z otherwise they will not be held responsible in the event of fraudulent activity etc I was led to believe. I didn't even both read it all I was so disgusted. At that point I guessed something big was up. Then I remembered that banks had the responsibility of deciding if activity was suspect or not and if you were reimbursed or not, and did not want any further part in it. They ain't all bad IMHO, but can't see a great deal of good in'em neither. What if your terminal/machine is faulty on delivery, arrives magnetised........How secure are these machines? What is the banks' definition of 'secure' and according to whom? Nahh getting the charges back is proving contentious enough. personally i ain't going there.

Glad to see you still here slick132. Been browsing mainly for a long while. Bit of off topic comment (I think). With revelation after revelation about lapses in security at HMRC, and the most breathtaking yet IMHO, where some bigwig conceded that bank account details with pin no's secret passwords etc had been found advertised on over 100 websites boasting specifically uk bank details, who should now be considered fit to be a data processor? Who can be safe from misuse of data, and of what use at all do pins, cards, secret questions etc serve anymore? If child benefit data, & bank account data has not been treated with the strictest of security, how safe are pension records? With most of this info organised in a relation manner (I presume) with key data fields tying your life for example to a National Ins No, how safe is anyone. I just got a V5 back from the DVLA. In the envelope was a leaflet telling me that if I was thinking of buying a vehicle with a V5 with serial No's between a certain range BG9167501 to BG9190500 then it is a stolen document. Great! What confidence can you have in anything. Finished my rant now. Yes I did watch 'One Foot In The Grave' last night. Must have rubbed off.

Morning all, still here. Just been watching The Money Programme about penalty charges on BBC1. It was interesting but did not raise any new issues for me. Like everyone here I just want it sorted. As an aside I now have an absolute basic account and rarely use cheques. (Too expensive IMHO). Glad to see the issue still in the media even though it wasat 2.00am:)

Will be getting in contact pdq. Thanks for remembering me. VM

Thanks for that tonycee:) . And ditto. Hope slick will get lots of help with that. One question. Does your location mean that you reside just outside of Whitley? lol

Haven't got a better No. but maybe an alternative solution. However, I don't know where you live, but take the Jubilee Line (Silver One) and get off at Canary Wharf. 7th October I believe is a Sunday. Hope this was of some use, & good luck. VM

You never know. I was just looking at personal acounts. Give us a few days and i'll get back to you. VM

I was up late. Getting annoyed about PPI I never asked for taken from my account, but no-one wants to sort it out by putting it the hell back. Resigned to fact this may take a while to sort out. Trying to keep up with most of the threads here. Late evening /early morning kids asleep & that's when I try to catch up:D . vincymum

Finally got my refund from the court after a month of chasing them. Disgraceful, I know! Then for the second month running a premium has been taken out of my account for PPI which I never, ever asked for. Went up to my Branch on Saturday to complain, as I'd previously written a letter instructing them to return my premiums, cancell my additions account and confirm everything in writing. All they did was refund the premium they had just taken. That came out of benefits. So I've got to chase them for another month, and for the additions fee which i wrote in cancelling. They did infact reply to my letter so can't claim they knew nothing about it. Just been on the PPI forum and have calmed down now. What are you still doing up slick?

Still waiting on my refund. Was told by enquiry desk it would be sent out last Friday. Called up today and guess what? My cheque has not even left the building! How can a refund take over a month to process and send out? Can I make an official complaint to Court Manager about this nonsense. Is there anyone higher than the court manager I can complain to? Got a reply from Barclays. They are looking into my complaint blah blah blah. I called to see if any notes existed on my account, and guess what? (You're too good at this:rolleyes: )Nothing. So I called customer services yesterday to cancell the insurance I NEVER ASKED FOR but can't. Called Ireland where policy issued from to cancell the insurance I NEVER ASKED FOR but can't. Got to go into my local branch apparently. I D o n ' t t h i n k s o. Hope they will do their best to sort this out soon. But not depending on it. Spitting feathers! vincymum

Defected? Not at all. I've just re-focused my attention;) I started A&L at the same time, and I can't let Barclays slip. They have been throwing me a few more balls to juggle with, so I'm concentrating even harder. What a shower (complete this sentence in 2 words or less)!! Anyway, great to hear from you jansus. vincymum

Thanks Slick. I'm waiting for Mr Postman to bring me a letter from my local court with a refund cheque inside it. I applied for it on 25th August, so yep, that makes it almost a month ago!!! They lost the first application and I had to fill out the application a second time. (Hope refund cheque not drawn on Northern Rock!) :o :lol: :o vincymum

Just not too quickly I hope. Weekend finishes Sunday 23.59:p vincymum

This evening you may be right. Footie match away tomorrow (kids) and very early start. Tomorrow evening/(later on today now) is all mine. So I will be finishing my toasts then. vincymum