Barclays Bank (merged)

Burlesque_Babe

I would still put the bundle in if the court has requested it, you don't want there to be any opportunity for your claim to be struck out.

You could give them a ring, but from the conversations on the CAG board, it seems they have battened down the hatches and aren't settling with anyone now.

Mark_H_3

Barclays has charged me £1,350 over the last 5 years. I have complained and they have made a goodwill gesture of £978, and are willing to uphold the offer despite the OFT legal proceedings.

Should I take the money, and be done?

Beate

I just posted a long answer which was swallowed by cyberspace. Basically, I have always said don't let the banks get away with anything less than the full amount, but in light of the test case, a 72% offer really isn't too bad. The test case can take a long time and the outcome is not clear, so if you want some money now, grab this offer and run. But at the end of the day you must weigh up your own financial situation. Read what Martin says in his emergency guide:

Q: I have been offered a settlement but don't think it is enough, what should I do?

A: This depends on your circumstances. You can still take the offer if you choose to, and that certainly means you’ll get the money more quickly. There is a chance the OFT case won’t win in court, if you wait and that happens you will almost certainly not get anything at all.
Base the decision on your own financial priorities. The banks probably won’t negotiate now, as they did in the past (if they do please feedback in the Bank Charges Reclaiming Forum) so you must consider your current offer the final offer… for now.

Let’s use an example; say your charges total £2,000 and you’ve been offered £1,200; the first thing is try not to think “I’m £800 short” but instead that you’ve got £1,200 that was gone forever. The question for you is ‘would I prefer the certainty of £1,200 now compared to a hopeful £2,000 later?' The answer is always going to depend on your financial need.
If you do feel that the current offer is not enough you should contact your bank to say you do not accept its offer and that you will await the outcome of the test case to continue with your claim. The same is true, even if your bank automatically paid money into your account, just contact it to say "I don't accept this as a full and final settlement" (this is best to do in writing but if you do by phone make sure you keep a record). Alternatively you may still look to pursue Court Action.

Mark_H_3

Agree with Martin's comments - It's money I never even gave a second thought about, never mind getting it refunded... therefore for me it's a bonus!

I am not sure I can be bothered going through all the hassle of court etc. The extra £400 would be nice bonus, but it's not essential.

appletree

Hi,
pursuing my claim against Barclays since January. Used MCOL to issue judgement by default on 9th August. on 10th August recieved a "notice of judgement rejected" from Northhampton court due to "bar on judgement/enforcement" - news to me?... On 14th August I recieved a "transfer of procedings" from Haywards Heath(local) court with Barclays defence filled in(part of their defence was that my claim is sumerised but if you use MCOL you have no choice due to the character limit and they've had an itemised list of my claim anyway!).

What should I do now? This is as clear as mud to me!?!

I'm really angry that MCOL have taken £80 to do nothing because of this test case!

Any help appreciated,
Thanks...

vicsim

hi,my wife and i are new to the site and need some advice.i dont know if this has been posted before.woke up this morning to find another charge from barcleys for going over our overdraft!we had sent martins letter to the bank reclaiming charges(got to the stage of actually asking for our money back)when we recieved the letter about the comming court case and all payments being stopped until then.right,what we want to know is how can they keep charging us but we are not allowed to challenge them?surely it should be the same for both parties?until the court case is settled?help would be great!hope this makes sense!!

TANZARELLI

vicsim wrote: »

hi,my wife and i are new to the site and need some advice.i dont know if this has been posted before.woke up this morning to find another charge from barcleys for going over our overdraft!we had sent martins letter to the bank reclaiming charges(got to the stage of actually asking for our money back)when we recieved the letter about the comming court case and all payments being stopped until then.right,what we want to know is how can they keep charging us but we are not allowed to challenge them?surely it should be the same for both parties?until the court case is settled?help would be great!hope this makes sense!!

Hi vicism,

There has been discussions on other site about applying to have claim stays removed and also injunctions to stop the banks applying charges until after the test case if the stay is granted. I will see if I can dig some more out for you on this.

Tanz

MPG_2

appletree wrote: »

Hi,
pursuing my claim against Barclays since January. Used MCOL to issue judgement by default on 9th August. on 10th August recieved a "notice of judgement rejected" from Northhampton court due to "bar on judgement/enforcement" - news to me?... On 14th August I recieved a "transfer of procedings" from Haywards Heath(local) court with Barclays defence filled in(part of their defence was that my claim is sumerised but if you use MCOL you have no choice due to the character limit and they've had an itemised list of my claim anyway!).

What should I do now? This is as clear as mud to me!?!

I'm really angry that MCOL have taken £80 to do nothing because of this test case!

Any help appreciated,
Thanks...

Hi appletree,

I'd phone MCOL and ask for an explination. It might be that barclays have requested a stay due to the test case and want the outcome of that case to reflect on your case, along with all the others, rather than paying up now. Hardly fair, of course, but speak to MCOL and demand that explination.

Keep us posted, MPG x

geoff1057

going to court for a prelim hearing on 5th sept ,the court has not asked for anything ??? but trying to get some docs together,just in case,( going on hols from sat for a week) have supplied bcs and court with copy of SoCs,and also taken to court to be put on file is a letter opposing a stay ,as bcs say they will go for one. is there any other docs i can take to help fight a stay??????? and if the case is stayed ,can i appeal ???????

magicmadam

Barclays do not respond to the Court Notice of Issue. They have until 23rd Aug (Thursday) to reply.
Do I ring the Court after Bank Hol weekend, Tues 28th Aug to see if there has been a response? Or do the Court inform me?

I don't want to do anything wrong now I've reached this stage.
Thank you for any responses. MM