Starting fight against barclays -help

[garymackem]

Sorry to post again but I am just starting out on taking on barclays and intend to request my 6 years worth of statements , any advice form seasoned ,experienced members would be apprecited

[dar£n]

Hi, I noticed your second posting, please keep all comments to one thread.

your first step is the SAR

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

 

have a read here if you havent already:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Send in your SAR via Recorded Delivery too, [with payment]

[garymackem]

Thanks Dar£n , its a good place to start, i'll get that off tomorrow and keep you all informed

[garymackem]

I have received my statements and calculated the charges to be £935 without any interest, can anyone advise what to do now, and should aia include the 8% interest

[moggieb]

Hi there,

Have you used the simple spreadsheet from this site to calculate your charges? If so it automatically calculates the 8% interest but you can't actually claim this til court stage. Send a copy of the S.O.C with your prelim but hide columns E & F. Be prepared for a long haul.

[dar£n]

As Moggie advises:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

make sure you only enter the details for

Description of Charge ['In Respect Of']

The Amount [Amount you were charged]

The Date the amount was charged [must be in format dd/mm/yyyy]

 

The rest will calculate for you.

 

At the prelim stage as Mog says, you are simply requesting the 'charges' back

[ukiainib]

what if they are going for CI rather than 8% dont they do the CI at prelim stage?

[garymackem]

thanks again.i'll be posting tomorrow and keep u updated

[garymackem]

I have received what looks like a standard 'We are looking in to this but it could take up to 8 weeks' letter, should I send the before taking action letter now, or wait a few weeks

[livelylad]

You need to wait 14 days between each letter as per the step by step instructions.

[garymackem]

The 14 days are up since my 1st claim letter, so now time to move on to pre action letter, then, is that right

[livelylad]

Yes. Send the LBA.

[garymackem]

Cheers livelylad, onwards and upwards

[garymackem]

could I just ask do I add the 8% on this letter or is that if it goes to court

[welshcakes]

Hi G

 

No 8% yet - you add it when you file your claim at court

[garymackem]

I have now received a 'WE BELEIVE THE CHARGES ARE LEGAL, and due to the Oft case we will request a stay if you take us to court.

 

Do I go ahead and lodge my claim adding the 8% plus 2 further charges they have added since this started, another £60. I requested to be refunded at Barclay call and was refused.

 

Please advise my next steps

[welshcakes]

Hi Gary

 

Absolutely. Add any further charges that you've incurred to your Schedule of Charges and use this for your N1 POC. You can indeed finally unleash your 8% Statutory Interest!

[garymackem]

I have prepared my N1 POC from the library, what do Ido with it and how do Itake this to court? Finally what daily rate do Iuse for additional interest

[saintly_1]

Your daily rate is your charges x 0.00022

 

You fill in the N1 http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html you cant save this on your pc so you will need to print off 3 copies then take them along with 3 schedules of charges ( spreadsheets) to your local county court

[garymackem]

Hello I got my reply from the =court today saying barclays will defend the claim(as I thought) but the original, papers said they had to reply by 26/10 and the repsonse is stamped on the 29/10, can I ask for this to be paid due to them being too late, if not what do I do next

[saintly_1]

unfortunatly the banks seem to get away with filing late acknowledgements .... they now have 28 days from when the notice was deemed served which by my reckoning is around the 9th of this month ........ this is when they have to have their defence into the court.

[garymackem]

My case was stayed and I'm moving house shortly do I need to inform the court of my new address

and does anyone know what is happening with the oft case?

[**Tilly**]

Hiya

 

yes you will need to inform the court of your new address. Write to the court

with your claim number on,explaining you are changing your address. If you

post it make sure you send it recorded delivery and keep a copy.

 

 

 

Tilly

[slick132]

Hi Gary,

 

Write to court and to Barclays with new address when you move.

 

Last I heard is we should hear more in July.

[slick132]

Latest discussions on the test case are here - http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/