Hi, I received an almost identical defence from Barclays, so I sent them a copy of the schedule of charges. Barclays have also just recently sent me a copy of the AQ that they have sent in which states that they have 1 witness. Just waiting for a court date now. Considering emailing Mr. Jeremiah, offering them 1 last chance for a full refund. Have already received a full refund from HSBC.

Hi, I am also in the same situation, I have sent a copy of my AQ to Barclays (K. Jeremiah) and I have just received a copy of Barclays AQ which states that they have 1 witness ?? Waiting to see if they intend going to court! Considering emailing Mr. Jeremiah to offer them one last chance. Regards B