Sirhc v Barclays

[sirhc]

Hi everyone

Great idea I thought I would open a new bank account on line as suggested before sorting out my bank charges and have just realised that I have opened one (with Alliance) that says they will transfer direct debits etc.. if they do that will I still be able to go after my bank (Barclays) or will I not be in a good position if my account is transferred?

Hope someone caN put my mind at rest

 

Thanks

[welly]

Hi Sirhc

 

Even if the account is closed you can still go after them for the unlawful charges.

 

Its best to have all your DD ect in the new account so you have done fine so far just make sure you read the FAQ's and step by step if you have not already done so and start your own thread in the Barclays bank forum and keep to that one to ask all your questions and so others can see how you are going:)

 

Good luck mate

 

Welly:)

[sirhc]

Thanks Welly - You have put my mind at rest

[fivelaws]

Dear god, if your parachute account is with the A&L, how bad was your old bank?

 

Frying-pan v Fire.

 

 

!!!

[sirhc]

Hi

I have requested copies of my statements and I am awaiting those to be sent to me. So I have started the procedure to hopefully get my charges back.

I am overdrawn with the bank (I had gone £77 over my overdraft limit). I received a letter today which said £30 referral fee. I nipped in and paid in cash of £150.

I just went on line and the £30 referral is showing plus £30 commission today and another £35 commission today. All in all I am now £25 over my overdraft limit.

I have just rang the bank and they say because I was over my overdraft limit and a standing order was bounced that is what the commission charges are for.

When I list my bank charges can I claim back these commissions? or is it just charges that are called referral charges.

ps I wasn't sure how to post on Barclays thread

Hope someone can help

Thanks

[Michael Browne]

Welcome

 

Yes, doesn't matter what fancy name they call them, they're still unlawful.

Go to the Barclays forum, top left, click on New Thread and post your progress and questions there.

 

Good luck

[sirhc]

Hi

I have now received copies of my bank statements back to 1998. I know it is on the FAQ somewhere but how far back can I reclaim my charges.

 

Thanks

Sirhc

[Michael Browne]

Go to the Barclays forum, top left, click on New Thread and post your progress and questions there.

 

 

1. Please read the above, this is the Welcome forum, you need to start your own thread in Barclays.

 

2. If you know the answer to your question is in the FAQs, try looking there first

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[sirhc]

Hi Everyone

I am at the stage now that I have filed on line with Moneyclaim. Now I am starting to panic. Should I send a schedule of my charges to the Court and to the bank or should I wait until I have a court ref number. Or do I need to do this at all? (I have sent a copy to the bank when I first asked for my money back)

Regards

Chris

[sirhc]

Hi just realised I am still posting to wrong thread will repost to Barclays thread.

Please ignore

Thanks

Chris

 

Still cant find new thread on Barclays thread

Help!!!

[claire78]

If you go to the Barclays section, there is a 'Post New Thread' button on the top left hand side.

 

Good luck

[sirhc]

Thanks Claire.

 

Hi Everyone

 

I am at the stage now that I have filed on line with Moneyclaim. Now I am starting to panic. Should I send a schedule of my charges to the Court and to the bank or should I wait until I have a court ref number. Or do I need to do this at all? I have sent a copy to the bank when I first asked for my money back

Regards

Chris

[Welshman]

Yes, you now need to produce a schedule that includes the 8% interest and you should, after filing your claim with MCOL, send one copy to MCOL by post, and, at the top of that one, you must put your claim reference number which MCOL will have given you- it should be in the e.mail follow up to acknowledge your claim and also on the page your claim appears on. Produce another and substitute the MCOL number with the reference number from the Banks’ letter to you.

Include a letter in each referring to the schedule, and mention that you have sent the other party a copy of this schedule. I have sent every one of my letters by recorded delivery. Some people here say that that is not necessary but I did anyway. It’s up to you at the end of the day.

 

The Addresses you need to send the copies of the schedule are:

For Barclays:

Barclays PLC

Litigation and Disputes Team

Level 29

1 Churchill Place

London

E14 5HP

And for MCOL it’s

The Court Manager

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

[sirhc]

I took a copy of the schedule on the day I filed with Moneyclaim with interest up to that date same as completed on Claim.

Would I send that one or one upto date with letters to MCOL & Bank.

Is there a template of this letter on site?

Thanks

Chris

[Michael Browne]

MCOL letter (Amend for the bank). Send the schedule as per date of filing (daily rate will take care of the rest)

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

[Welshman]

What I did was to print out two copies on any particular day, and just send a letter with it, as described in my previous post and including in the letter that the "interest as at XX/XX/2006".

 

The text is nothing special - there is no template. Something

along the lines of "please find enclosed a copy of my schedule of charges in respect the above claim. the interest quoted is correct as at XX/XX/2006. Could you please add it to my file."

[Welshman]

PS - Thanks Michael. clear post as usual.

[sirhc]

Thanks Michael and Welshman

[sirhc]

Just about to send them off and wondered if I should add court costs to the total

Thanks

Chris

[Welshman]

Just about to send them off and wondered if I should add court costs to the total

Thanks

Chris

 

No, just send the schedule including the 8% as they are displayed. Court costs will be added automatically by the Court.

[sirhc]

I have just received a 'Notice of allocation to the small claims track (preliminary hearing' for April 19th

'Before the claim is listed for hearing, the judge has ordered that a preliminary hearing should take place because

'special directions are needed in this claim to prepare for the final hearing which the judge would prefer to explain to you'

Can anyone explain this to me

Thanks

Chris

[sirhc]

Would I need to take anything with me. Have looked on other posts and cannot see a letter saying that the 'Judge would prefer to explain'

sorry perhaps I am being thick!!

[sirhc]

I have just received a 'Notice of allocation to the small claims track (preliminary hearing' for April 19th

'Before the claim is listed for hearing, the judge has ordered that a preliminary hearing should take place because

'special directions are needed in this claim to prepare for the final hearing which the judge would prefer to explain to you'

Can anyone explain this to me

Would I need to take anything with me. Have looked on other posts and cannot see a letter saying that the 'Judge would prefer to explain'

sorry perhaps I am being thick!!

Thanks

Chris

[Guest]

sirhc

how did this get missed.

is it still outstanding/in issue/related to yr recent post, do you need any help on it?

[sirhc]

Hi There. This got sorted but cant remember how or what now but it never went to court and they paid me out. No one replied so I thought it was something that no one had heard of. My new post is regarding the additions account.

Thanks

Chris