Torigirl Vs Barclays

[torigirl_uk]

hey Poppy,

if you go to the Template Library and click on 6. Interest Calculation Sheets and then you use England Simple excel sheet and you simply write over whats there with your details, really easy when you know how and start doing it and then you'll always be up to date!

I started using the moneysaving expert one but find the ones on this site much better

[torigirl_uk]

I've been thinking!!! I know dangerous!:grin:

 

When its all decided how much the banks can legally charge, and I've already had my money (this is way in the future) are the banks entitled to write to me requesting the amount thats deemed legal on each paid referral? Not sure if this makes sense, but know what I mean.

 

Sorry about this question, just wondering!

 

Does anyone possibly know the answer to this question?

[dickeggsy]

err right bear with me on this.

a mate in works missus works for RBS and they have been told that if the OFT cap bank charges at 12 or 13 quid and you start a claim they will refund the difference of the charge.

so if you were claiming back 30 quid they would deduct the new charge of 12 quid and pay you back 18.

now i don't know if this is what all the banks are gonna do and wether it's legal or not but that's the rumour i've heard.

hope that made sense.

by the way the money should be in my account today or tomorrow.

and i have just won £100 in a newspaper crossword comp.

heh heh things are looking up.

good luck with yours.

[torigirl_uk]

Whats that saying with buses!!! It sounds as though the same applies with you and money!!!!

Well done on beating the Big Guys!

Enjoy!

[madhouse5]

I know bookworm started a thread about this for anyone who was worried. (can't remember where the thread is now) My understanding is that you still have the right to claim the whole amount. Same as credit cards which were capped last year, they will try to pay the difference but people are still getting the whole amount. I believe this is because this is only a recommendation by OFT.

 

If I'm wrong please anyone correct me.

 

HTH

 

madhouse5:)

[torigirl_uk]

Thanks Madhouse, I was worried in case I got my money back, spent it and then had to pay the banks some of it back.

[Shuff]

I think you are right madhouse because the banks still won't be able to stand up in court and justify 12/13 pounds for sending a letter.

[madhouse5]

Thank you for confirming what I thought. I know there are alot of rumours around at the moment. I think they are trying to scare us off. No chance we have the support of CAG.

[mum of four]

my bank barclays bank offered me half i said no i wnt it all they didnt reply i need to take um to court but how and where do i do it

[mum of four]

my bank barclays owe me nearly 2,000 they offered me half i said no now im stuck how and where do i take um to court help.........................;-)

[madhouse5]

Best thing to do is start your own thread so we all can see exactly what is happening with your claim and give advice and support.

 

Have a read the FAQ's, read lots of threads.

 

What letters have you sent to barclays so far?

 

madhouse5:)

[dickeggsy]

hey torigirl , that's bank charges won , competition won , hmmm what can i have a go of next???

i'm just nipping out to do me lottery .lol.

[torigirl_uk]

Its a big rollover on the Euro Millions so with your winning streak at the mo, get down to your local newsagents and get a couple of lines!!!! Remember me if ya win!!!!;-)

[jshtr3]

Hi, I asked the same question a few weeks ago, I was told that they applied the £12 cap to credit card charges some time ago and it has made no difference to people claiming their full amounts from credit card companies. Bottom line is the banks don't want people to know how much they make from doing it and so are willing to pay through their piggy little noses to protect their little money making machines!!!!!

[torigirl_uk]

Thanx jshtr3!

I was just thinking out loud but I did want to know the answer, I'm so pleased people have got back to me and have put my mind at rest!

Good luck with your claim

[jshtr3]

Your welcome, good luck with your shopping when you win!!!!!

[torigirl_uk]

I'm not sure I'm strong enough to carry all those bags, I may pop into my local branch and ask the Bank manager if he would kindly carry the bags to my car for me!!! What do ya reckon?!!!

[jshtr3]

I think you should offer to buy him as a slave for the day and make him carry the lot whilst wearing nothing but a gimp suit, you could call it "unpaids out"

[madhouse5]

Make sure you get pictures so we can all have a giggle:D

[torigirl_uk]

I'll have a full film crew if I managed that! Just need to find that Gimp suit............

[Poppy07]

Thanks Tori, so you mean I can use and update this spreadsheet even though I have submitted my claim with a specific amount of interest? Also do I need to send the court and the bank the schedule of charges now even though they haven't asked for them? Sorry to be a pain but i've never done this before!!!

Thanks for your help

Poppy

[torigirl_uk]

Morning Poppy!

The spread sheets will up date automatically each day.

Sorry Poppy can't remember where you're at, have you filed with MCOL or done the N1 form yet, because if you have then send 2 copies to the courts and then once the claim has been 'acknowledged' then send a copy to Barclays, if you look I think page 3 of my thread GuidoT has given me template letters to use which you just need to copy and paste. Don't worry about the bundle yet we're still a long way from that!

Hope that helps Poppy just write back if you're confused with what I've put!

 

Sorry just read your post again, don't think I answered your first question when you send the charges to the court, I think mum of 3 said to me that you restart your computer and set the date on your computer for the day you submitted to MCOL or N1 and the spread sheets will be for that day with the right amount of interest charges for what you put on your claim

[curlywurly4964]

Hi

 

Thanks for the post about posting 2 copies of the schedue of charges, another one on its way today. Im just waiting for my acknowledgement from the courts now.

[torigirl_uk]

Cool Curly! I'm waiting for my acknowledgement aswell, Barclays have until the 31st of march, when have they got to acknowledge yours?

[Poppy07]

Thanks Tori, what i'm confused about tho is because I have submitted my claim using mcol plus I gave a figure for interest at the same time using my original moneysavingexpert schedule of charges, will it matter that my claim is going to change if I submit these new interest spreadsheets? Not sure if that makes sense!!

Thanks