Hi, Can anyone with a good understanding of claiming more than six years take a look at the following thread ? http://www.consumeractiongroup.co.uk/forum/barclays-bank/81772-kevr6384s-parents-barclays-6yrs.html Thanks

No-one then ? Any of the mods or the great BF lend their assistance #

Anyone ?

Good Evening CAG, After successfully completing two claims from Co-op and A&L for myself i have now promised to take a look at my parents charges. We have readily available statments back to 1992 and i have completed the basic excel sheet already. We are looking at charges of £925 and interest as per s69 8% at £468.89 I have been following the Claiming beyond 6 years thread http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html#post712882 Do we have an update on the standard templates for the Prelim letter and latter stages ? Also how far do we go back as we think we may have statements back to the 1970's ? Any advice on the new findings re: limitation act would be appreciated as they did not apply when i claimed for my own personal charges back from Co-op & A&L. Thanks In Advance

Another update for this thread. I have been on holiday from the 2nd March until yesterday and opened my post to see another letter from A&L This one is regarding the closure of my account which they intend to do on or shortly after the 11th April. I was expecting this and have been operating with my parachute account now since Christmas so this isnt a big problem although i have a small overdraft that will need to be paid off. I fully intend to carry on with my complaint as i see this account closure as retaliatory action. Is there a sample letter that i can edit to use for my complaint and if not could anyone who has been through the procedure to FOS stage pass on any advice. Thanks Kevin

Let me know what you need and i will see if i can help:

Latest Update, Received all detail etc that A&L intend to defend the claim in full as per the usual. Yesterday i opened the mail to find a nice little cheque for £267.18 as full settlement, although as we all know they do not admit liability in the accompanying letter. Thanks again CAG - donation will be made.

Thanks All, N1 from submitted at Morpeth & Berwick County Court this morning.

Thanks have elaborated further as suggested. I have had to ditch the MCOL and transfer to a pdf N1 as I have now exceeded the word limit in the POC. One more point to add. If i plan to file the claim on Monday when the court is open should i enter the Interest under s.69 County Courts Act 1984 figure as the sum as calculated on Monday ? Thanks Again

No problem sir your time is much appreciated

No-one ?:o

Anyone ?

Hi thanks for your reply. Below are the details from my particulars of claim which i intend to file today. Could someone with a good eye have a quick scan through ? I think its all correct but have looked at it that long i may have missed something. Section 3 i have stated "the Defendant is aware of the details as a list of charges has previousley been supplied" but i am adding on two further charges i have recieved since issuing my LBA does this need to be reworked ? 1. The Claimant had an account # --------- with the Defendant. 2. Since 11/08/06 the Defendant debited charges and interest in respect of purported breaches of contract. 3.The Defendant is aware of the details as a list of charges has previousley been supplied. A list of the charges applied is attached to these Particulars of Claim. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) Return of the amounts debited of £230.50; (b) Interest per S.69 County Courts Act 1984 of 8% - £4.64 continuing at 8% until judgment or settlement at a daily rate of £0.05; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods andServices Act 1982. 7. Costs allowed by the Court.

14 day deadline is now up on the LBA. They sent me another letter yesterday saying they are going to charge me £34 as a direct debit i had cancelled (but not in time) has been returned. This has now put me over my overdraft limit so i will be getting another £25 or £50 charge next month. What options do i have here ? The £34 that has been charged since issue of LBA - do i include this on the MCOL? What do i do about the charges that will be applied next month ? Thanks Kev

Update: Came home yesterday to find a cheque for the full amount issued as a goodwill gesture ! Donation will be made to the fund ! Mods - coudl you please move this to the settles section.