I'd pay £60 if I got all the money owed to me in 30 days!!

Excellent, thats exactly what I was hoping to hear - thank you so much

Here is the situation I am currently in: ebay have wrongly added £2.17 on to one of my invoices, which I have been fighting with them to remove. Whilst £2 is nothing to worry about, it is the principal of the matter with ebay, as they are one of my most despised companies. Their customer service is shocking, and despite multiple emails to them they still continue to just reply with the standard template ie. We have reviewed your account, the £2.17 was refunded to you, but you must have reversed the refund so there is now nothing we can do. I think this is appauling as they have admitted I dont owe the money, but claim the system is locked and there is nothing they can do. Anyway, this has been going on for so long that they have handed the debt to Intrum Justitia. So far I haven't actually spoken to these people, as the one time I answered my phone (they keep ringing at 9am when I am at work and I cant answer!!!) they couldnt work out my address as it was wrong on file with ebay. Today I received a letter from them which somehow found its way to me (clever postman as the address only had a road name). The total they want is £22.90 and ebay are owed £14.90. I actually gave in yesterday and paid the £14.90 straight into my ebay account, which is now active again. My worry however is my credit history. Can Intrum Justitia put any marks against my name?? I am quite happy to speak to them or even see them on my doorstep as I am not remotely intimidated by these sorts of people, however what does concern me is my credit rating. To this day I have never not paid for anything, and have a 100% clear record. For the sake of £20 I dont want to jeapordise this. What should I do? Can I just tell ebay to call them off, or should I have paid the debt collectors and not ebay? Its unlikely they will come knocking as they dont have my real address, but again, its only my credit rating I am concerned with. Thanks for listening and any advice you can give!

Thanks hedgey, I feel a bit relieved now to hear that the 8% will be included and continue to be added also, I had read that this was not for definate but if it is then its great news as the 8% may balance out the inevitable smaller bank charges we can claim.

I have a few queries about the stays which I cant seem to find on the forum. I assume the likely outcome of the OFT case will be that bank charges will be set at £5 (for example) for all banks. - Does this mean that all cases in the system will automatically be fed through and the claimants will get back there total charges minus the difference? - What about the 8% interest we have been charging them, will this be included? - And does the 8% continue to be added all the way up until the settlement date? - What about court fees, will we get those refunded? I'm really confused over what happens now, I'm not going to apply to have the stay lifted as it doesn't seem likely, and my court is saying that stays will be heard in Winchester Court which is some distance from me. I've lost heart with this now as I had everything inch perfect for my hearing, and the Judge was not remotely interested in us at all and instantly followed Barclays requests. Was a poor show and not willing to pay the courts any more money for their pathetic time!

Joke The Judge was a **** to say the least As we sat down, he said that due to the size of our court bundle, it was clear this case would take longer than one hour (even though Barclays had no defence and clearly told the judge that all they would do is request a stay, nothing more). He said we have two options: either he will stay the case or we can readjourn at 2pm this afternoon for a hearing. barclays said they wanted a stay, we said we wanted to have a hearing at 2pm. the judge then said he felt it was a waste of courts time, and he would apply a stay anyway. HOW IS THAT TWO OPTIONS THEN !!!?!?!?!? idiot. I said I would like to apply to have the stay listed, and that I had an objection in writing prepared. The judge said I would need to give this to the court office with £65, but it was "a waste of time". I am so angry, we were so badly treated and basically cast aside, our points and opinions were bluntly disregarded. Apart from formally requesting the stay is lifted, can I in any way complain about the way we were treated? The hearing was recorded on microphones. What annoys me is the Barclays rep turned up with nothing but his lunchbox, and clearly hadnt read anything, at first he tried to say he had not received our bundle, but when I said we had a receipt he then said oh of course, not saying you didnt send it, its just Ive not personally seen it We would have won had it been heard, and I think it should have. I really want to appeal against this

done

I'm in tomorrow, hopefully someone will come back with more advice for you, I would be very miffed though if I were in your position. What if the post was delayed and you had travelled to court etc. Theres also the time off work you have taken for nothing. I would definately consider formally applying for the stay to be lifted using form N244 http://www.hmcourts-service.gov.uk/courtfinder/forms/n244_0400.pdf then using this to fill it out. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820 Dont let them win

superb post! had me laughing out loud at work a few times, just what i needed in anticipation for my court day tomorrow!

I was too slow replying, thats awful news, and very out of order receiving it ON the court day I'm out of my depth now not sure what to suggest, you can formally appeal the stay but it can cost £35 if I recall correctly.

Good luck Rachael and Sasha, sounds like you should be okay if Barclays are stupid enough not to turn up! Rachael, make sure you print out and sign the objection to stay letter, it doesnt cost you anything so make sure you have it

Thanks again Slick

Question! Can I claim expenses? I have searched the forums and there seems to be a lot of confusion over this? Some say the maximum you can claim is £50, others seem to have claimed up to £500!? What is the procedure for this, bearing in mind my court date is Friday, is this possible, or does it need to be in writing to Barclays/Court before the hearing? Do I need receipts for everything claimed (this is difficult as I dont have receipts for petrol to court, ink, paper etc)? I'm not overly worried if I cant do this, but obviously if there is a chance I will

Rachael, First thing to do is relax a bit, it is no where near as formal and scary as you are expecting. The judge will help you through as much as he can, and you won't really need to say an awful lot. Barclays will probably come up to you on the day and say that they will be applying for a stay, so in anticipation, make sure you down the objection to stay letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820 Make sure you have an up to date SOC with you and YOUR court bundle (you dont need 2). Read this site and just get familiar with the procedure etc, you will be fine If your case does get stayed its not the end of the world, you will just have to wait a bit longer for your money (and maybe not get quite as much is my understanding). Good luck, Im in court Friday so at the same stage!

Thanks Slick!