So I sent my Letter Before Action, as very kindly advised by people on this site, thank you so much.
But Barclays have turned me down. So I guess now I have to follow it through...
BUT I AM REALLY SCARED!!!:o :o :o
Here are the things I am worried about, and I know that the answers are probably all on the site here somewhere but I am so rubbish at all of this - I am trying to find them but without luck. If anyone just has 5 minutes to respond, I would be so gratefull. I am feeling rather stressed and would never normally do things like court action, but i so much need the money that i am going to have to.
1. they offered me £280, but they owe me £700. I NEED the money - will I definitelly get it back in court? Because two hundred and eight to me is better than nothing - also i think i have to pay to do the moneycliam and this is expensive.
2. i am more than £700 overdrawn. Is it possible that they will say "OK we owe you £700, we will pay it, but we will close your account, so now YOU owe US"
Could that happen???
3. Is it just as simple as following the box instructions on the moneyclaim site? I am half way through but i keep thinking it should be more difficult than this...
IF ANYONE CAN HELP SO MUCH APRECCIATED!!!!