Dont panic - immediately lodge the claim, the 14 days has expired? They have withdrawn their offer, nevermind - it was easy to take the half sum, but recovering it all will be so much better, if a little protracted. Once it has been lodged with the court, they cannot demand anything of the account until an outcome has been reached. They know this. Come back here for regular support, there are a number of us with our own threads further down the line with Barclays and we will help.

now then. still here. waiting. impatiently! Come on Barclays, do us a favour? Ha, Barclays do us a favour, really Mr. Long? Ah well, no matter, they are only keeping it warm, we are still accruing interest on it hey?

Everyone is in the same boat. we dont know when we'll get there, but we'll definatley get there in the end! To whichever intern or flunkey Barclays have assigned to monitoring this site... WHY ARE WE WAITING , WE ARE SUFFOCATING? Ha, anybody else sing this when waiting for school dinners? come on Keith, pay up, were bored....

and me.

I noticed that Barclays were debiting an account fee from me when i went over everthing looking for charges. This and the advice of another forumista led me to look at the additions package in greater detail and i realised that a) i didnt actually need any of the ' benefits ' such as travel insurance, will writing service, breakdown cover etc because i already had them through one thing or another - therefore i was actually paying 120 per year for a 260 overdraft! b) they never actually asked me if i would like it upgraded. they just did. So, i sent them a letter before action - a sort of bastardised version of the one on here - saying they have to disclose the reasons why they upgraded my account without my knowledge, whether they conducted a fact find - which would have revealed i didnt need the account - and if the person who actioned it was on commision. Following this they have 14 days to refund all of my additions fees. Anyway, i got the normal we will deal with your complaint by the 32nd of never letter, then on the 12th day i got a phone call from the customer service team. Offering half of my charges back! I said not a chance, ive already got two cases lodged against barclays and if you want to make it three thats fine. Called back an hour later to say 515 had gone back into my account! Cheers, that should cover the court fee for my 2nd case and a nice break!

This is my opinion too, i just thought that something had come to light to change your view that any bank would be reluctant to see open court, including Barclays. Regardless of their stance i have been on here for some time now, reading and digesting and i feel confident of being able to present my case in such a fashion that will have only one outcome.

What makes you think this Dave? Is it really likely they are going to defend each and every one? Im sure this would cost more than paying out and would be a feat in itself just to organise the attendance of fully briefed solicitors to every hearing. Once the first case is heard - regardless of the result, they stand no chance of victory as it will be picked to pieces on here and they know that, dont you, Keith Jeremiah and Co?

I would imagine that Keith Jeremiah will be using a helicopter to travel to and fro all of the cases he is being lined up to appear at. In a couple of weeks their will be a steady stream of court dates issued.

absolutely not. its your money, you are entitled to it, and you will get it by reading up on here, the support of others that you will get here, and a little bit of resolve. Have a look at some of the bigger threads on Barclays where people are documenting their own cases, it will help.

I doubt there will be any offer of a confidentiality agreement at this point. Obviously i wouldnt tell if it did happen. Would i? Haha. I expect to be writing an ending to this story in the next month or two.

Still here, have received Barclays allocation Questionaire and am awaiting a date to be set......

Not yet.

Ill be changing from Barclays because of this, ultimately i know that they are all pirates but balls to them. Barclaycard rang me today because i had mistakenly cancelled a direct debit and had not paid them. I already had nearly 300 put pack on my card several weeks ago after 1 LBA, anyway Carol told me she required 90 pounds today because i had missed a payment. I asked how much of the 90 was for charges and she said 2 lots of 24 for missed and overlimit charges ( £48 ) so i said ' in that case lets say you knock those charges off and ill give you the 42 pounds i owe, would you like my debit card number? I think she was pretty incredulous at my forthright atitude and said what makes you think im going to do that? I said well i already have two cases pending and if you want to clog up your legal teams time with another one ill draught a letter a get it faxed to you in the next hour? Needless to say i didnt pay the charges. I know its not big and its not clever but it does make you feel good when you know your in the right and can deliver the legality issues with ease. I hope that they pay out but you know, i wouldnt mind sitting in a court armed with the facts opposite their solicitor either.

Well i currently have two cases with defences filed and Allocation Questionairres floating around, Kaznelson has one, Icefall another JJ and without scrutinising the site i would imagine that there is quite a lot more there or thereabouts - as yet there is no evidence of them having paid out any monies following the start of legal proceedings - Obviously they want to keep hold of the money as long as possible and probably are stamping their feet as a deterrent but any day now are we likely to see Barclays pop their cherry and pay out or do we think they may be the first to see a court room? I cant imagine they know something that none of the others do? And they must know that if they make an appearance, the minute they leave the courtroom of the first heard, regardless of decision, their case will be shared on here for all to discuss. Im just thinking aloud here, does anyone else have a theory?

Well, Barclays have done it again, posted a defence on the last day possible, yawn yawn. We should take bets on who is the first case to be paid out or heard on court.

The person that deals with all of their DPA requests is Marie Dixon so address a letter to her as well as the main address. her telephone number is 0141 204 9007, she only works after 5pm, shes also happens to be really helpful and bear in mind the nicer you are to her the quicker you'll get what you want. Id send the letter then call after 3 days? Dont forget to put a cheque for 10 pounds in. Good luck!

Ha, i like your approach and would love to play with such style, however - Should you continue to refuse to deal with the DCA then surely the matter will end up in court and in which case will the judge not look unfavourably at any reluctance to do so (communicate with a 3rd party) unless the law supports you? In which case, upon which law will you be relying on and do you have any case studies to support it? In addtion, my account has been passed to a dca, am i to take it it is now in a state of default - cant rely on what the idiots on the end of their phoneline say - and if so i may as well ' sweat it out ' as it cant actually get any worse until it gets to court?

I have a goldfish card, its currently with a dca, the balance is around 4500 and they are offering me around 3700 full final settlement, no more. Now i have just received statments for card and they owe me 800 in charges. Unsure myself whether to pursue them for the 800, which they will enivitably knock off the balance and then see if they will give me a similiar 15-20% discount or just sweat it out until they get sick of the 20 month i am offering and give a better offer of F & F. Anyone any experience of this? Out of interest does anybody know how long if i were not to pay it would take to end up with a solicitor? They keep threatening me their ' pre legal ' team and also the latest letter is from the ' home collections ' team, ooooh!

Kaz, did you fax your AQ over to our friend in the litigation department? Im about to do the same this afternoon.

Pretty much my opinion. Based on this, should it get to court would the solicitor be able to spring further points of contention or will he only be able to defend on the basis outlined in this document?

Not yet, im waiting for a defence to be filed, i think they have a couple more weeks, will keep you posted, how are you getting along?

Bit Long Winded but here is the defence..... It is Admitted that: 1.1 The claimant has with the defendant an additions current account number xxxxxxx, sort code xxxxxx with an authorised overdraft limit of xxxxx 1.2 The balance of account number xxxxxx currently stands at xxxxxx overdrawn. 1.3 That the claimant incurred bank charges (Paid referral fees) on account number xxxxxx, totalling 2,195.00 during the period 1 March 2000 to 28 February 2006 for unathorised borrowings by exceeding the authorised limit of xxxxx during the period 1 March 2000 to February 2006. 2. The defendant is entitled to charge the claimant for the unauthorised borrowings by virtue of its standard terms and conditions, which the claimant accepted when the account was opened. The terms and conditions which applied to this account would be: i) ?A paid referral fee is charged when you go above your paid referral buffer. You will not incur more than 3 fees within any monthly charging period?. ii) 25.00 Per account per day. 3. The defendants standard terms and conditions gives the claimant a fair and transparent view of those terms and the charges applicable for unauthorised borrowings (including where the account is overdrawen without an overdraft limit or where the customer exceeds his overdraft limit). 4. The charges the claimant paid to the defendant when incurred an overdraft were payments which, under the terms and conditions of his account, he agreed to make. 5. Such administrative costs were consideration for the defendant advancing further credit to the claimant. 6. The defendant was under no obligation to advance the aformentioned further credit to the claimant, and was entitled to impose the charges when the claimant incurred the overdraft. 7. It is denied that the defendants charges are unenforceable, as alleged.It is further denied that these sums were unlawfully debited from the claimants account. 8. In all the premises, it is averredthe Bank Charges are legally enforceable and the defendant was entitled to charge. 9. The defendant denies that it is liable to the claimant for the total sum claimed of 2,691.02, or at all. any thoughts?

I got 250 back with the letter before action and they didnt close my account. I sent a letter before action with a paragraph on the bottom that said i was already in the process of taking them to court for my current account. The day after i sent it i received a phone call, the nice chap offered half the amount, when i declined he asked how much i wanted and i said ' all of it ' - now i better put my tin hat on for this but... he offered 250 final offer and to save more time i accepted - i know i know i should have stuck to my guns, however - he refunded it to my heavily over the limit card the next day and guess what i did with some of my new balance? I put the moneyclaim fee of a 120.00 on it a couple of days later when i actually filed my main Barclays claim. Cheers Barclays....

Thanks for all of this, it is really appreciated - what does that point relate to though?

Because as far as i know i am the most advanced claim with Barclays and i wanted to open up the potential audience for advice. Appreciate everyones input guys, thanks!