Angi v Barclays B/Account

[Angi]

Hiya

My statements have just arrived, after sending a second letter into Barclays, as they didnt sent any statements just a year by year list of charges.

Now on these statements I have noticed the charges are Unpaids Out I've not seen this before, does it matter if they dont say what they are for? & I just write them on the spreadsheet as they are...

Next question, there are charges for Interest Charged can I claim this back?

Im pretty sure the Commission Charges I Can Not Claim.

Would someone just check my thread please....

Thanks So Much

Angi x

[slick132]

Hi Angi,

 

Unpaids out -claim

Interest and Commision - can't claim.

 

Time to finish SOC and get Prelim letter off.

 

Slick

[Angi]

Thanks so Much Slick

 

Time to get printing & posting

 

Angi x

[Angi]

update

 

my claim is for £975.00

 

Barclays have offered me £500.00. as an ex gratia payment of full & final settlement of my claim

 

with this offer they have also sent a lengthly letter, making me aware of a court case pending between a number of financial institutions on the one hand & the Office of Fair Trading on the other( Im very aware)

The case deals with unauthorised o/d charges on personal account (as opposed to business accounts). One of the issues that will be considered in the test case is wheather these charges on personal current accounts are penalties at common law. In the circumstances it it possible that this case may inform the approach to be taken by banks in how they deal with business claims such as yours....

 

it does go on a bit, so are they now trying to tell me that, my claim would be just like personal accounts?

 

Im already in the middle of a claim with the HSBC with is at A/Q stage, does anyone think this claim is looking to go the same way?

 

Any help would be welcome

Thanks so Much

[slick132]

Hi Angi,

 

Send them a rejection letter from here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Continue with your claim and stick to YOUR timescale.

 

Send your LBA if you haven't yet and it is due.

 

Experience suggests that, once you file in court, a business a/c claim will be stayed just like a personal a/c claim, even though we think it shouldn't.

 

We're working on getting business claims un-Stayed, but don't let this delay your reclaim process.

[Angi]

Many thanks for that reply, I will get busy with reply tomorrow, & let you know what happens next.

 

Thanks Again

[SL56]

Ive got an old statement which has 2x Account Control Fee of £12. This is shown in the break down of the commision.

 

I thought I would be able to add this to my schedule but then later on they arent broken down. They just say commision? :s

 

Could some kind soul point me in the right direction

 

thanks!!

[slick132]

SL56,

 

See my reply on your own thread.

[thelightbrigade]

Are business account cases still going ahead?

[slick132]

Hi TLB,

 

They should be but we're having trouble pursuading the courts of this.

 

Read Hattie's Barclays thread here - http://www.consumeractiongroup.co.uk/forum/barclays-bank/119558-barclays-business-personal-bank-2.html#post1275257

 

Angi, sorry for the hijacks, Slick

[Angi]

My business account has had an offer on it, so looks like they are still making offers, I wrote a LBA letter last week, waiting to see if they up the offer, if they dont, well its Court next stage.

 

Slick, dont worry about the hijacks, Im guilty of that too lol

[thelightbrigade]

Thanks, I have an old business account( now with DCA) where they let me go well over the overdraft. I might sar themand any offer can go to pay it off.

Sorry for the hijack

[slick132]

Hi TLB,

 

Sounds like a reclaim on this a/c would be worth doing to reduce the amount owing to bank.

 

Start a new thread for this claim so we can keep up with it.

[thelightbrigade]

Have started one now, dont know how to post the link though - oops!!

[slick132]

TLB

 

You don't need a link to it as it's in the same forum (but here's one anyway - http://www.consumeractiongroup.co.uk/forum/barclays-bank/132890-tlb-barclays-business-c.html).

[Angi]

Does anyone know how long it takes Barclays to reply & pay up, once an offer has been accepted?

 

Thanks

Angi x

[slick132]

Hi Angi,

 

What's been going on - have you accepted the banks offer ?

 

Did you send them your LBA.

 

If they make an offer and you agree to it, you should be paid within a week or so, depending on whether they're sending a cheque or crediting your a/c.

 

However, there have been some more rare instances where the bank's taken many weeks and longer to settle.

[Angi]

Hiya

 

Thanks for your reply Slick

 

I sent lba 19th Feb, got reply from bank saying final offer etc £500.00, for the second time, Ive already had a claim with hsbc put on stay this week, which is a lot more than this claim, so I thought maybe accept this offer, & was just wondering how long it takes the banks to pay up, before making up my mind, as this claim could well go on stay to...I'd rather have a bit money to be honest...I know that sort of means the bank had won in their eyes, but if I look at it through my eyes, I thought the money was gone forever..if that makes sense.

 

Angi x

[slick132]

Hi Angi,

 

Even though yours is a business claim, it's likely to be Stayed, initially at least. We're working at getting the business claims moving and have had some positive news just this week about this.

 

It's really down to whether you need the money now, in which case, £500 now is great as you never thought you'd see it again.

 

If you can wait a while, you should get the £975 + interest.

 

I said above about how long it may take to get paid if you accept their offer.

 

It's your decision now....................

[Bigmac versus]

Moved to business claims forum