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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Billy Fury1

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  1. Billy Fury1
    Re: Barclays bank PLC falsified my credit information with the credit agencies. Please could anyone assist with the below with good sound advise. I am considering replying to the Financial Ombudsman as per the below. Financial Ombudsman service Exchange Tower London E14 9SR 11/02/2017 Dear Sir/s Your ref: xxxxxxxxxxx I believe that Barclay Partner Finance are legally and morally responsible for the financial situation that resulted in my having to take money out of my pension, all of this is due to the business practices they BPF employed and to which they have admitted with regards to their systems, thus having a damaging effect on my credit file. I wish for you (Financial Ombudsman Services) to uphold my appeal which would then allow me to pursue Barclays Partner Finance to reclaim my monetary loss incurred through their professional negligence. My reasoning is as such:- I duly wrote to BPF, (Barclays Partner Finance) on the 21/03/2016 by recorded delivery to ask them why my credit file was amended to show a new default date after the original default expired on the 4th of January 2017. I tried on a number of occasions to get in contact with BPF, I requested Experian to contact them again on my behalf as I was getting nowhere/no response to my letter. I finally managed to obtain a contact number for their customer service with whom I spoke to on a number of occasions, BPF customer Services confirmed that there was a department that was looking at my case and would be responding to me in due course. It required yet another call by me to be informed that a letter was sent out to me in May with a cash offer for the inconvenience caused, I did not receive this letter. I sent another recorded letter to BPF dated 18/11/2016 and did not receive a response or any form of acknowledgement. I made yet another call to BPF early this December to be told that the particular department that was dealing with my issue would not be entering into any further dialogue and that I should perhaps contact the Financial Services Ombudsman. This is the first time that I have been referred to yourselves (Ombudsman Services) by BPF to seek any form of information/support, only now to be informed that it is outside of a 6 month period and that you are not able to give me any assistance with my rights. I believe that Barclays played this 6 month card rule. I have not received any of the compensation that Barclays offered to pay me as a gesture of goodwill. Yours sincerely
  2. Billy Fury1
    Hi Martin I have had an update from Experian Credit Expert verbally on 14/08/16, they (Experian Credit Expert) have promised to send out confirmation correspondence directly to me re our conversation etc.... Experian have informed me that they (Experian) could see that the expired default date of 04/01/16 was removed from my report on or around the 14th of January 2016. The above would have Been exactly what I was expecting. However they (Credit Expert) see the re-instating of the very same default date on or around the 02/02/2016, changing the Default date to 13/08/2014 now to expire 13/08/2020. They "Credit Expert" could not find any justification for this and are now looking as to how this has occurred. Regards Billy.
  3. Billy Fury1
    I have had an update from Experian Credit Expert verbally on 14/08/16, they have promised to send out confirmation correspondence directly to me re the conversation etc.... Experian have informed me that they removed my expired default date (04/01/16) on or around the 14th of January 2016. The above would have Been exactly what I was expecting. However they re-instated the very same on or around the 02/02/2016, changing the Default date to 13/08/2014 now to expire 13/08/2020. They "Credit Expert" could not find any justification for this erroneous action and are now looking as to how this has occurred. Regards Billy.
  4. Billy Fury1
    The issue I was describing re the SAR was a separate issue, the answer was relating to the: Re: Miss sold Insurance/packaged account fees reclaiming- Barclays Billy
  5. Billy Fury1
    Hi There This is totally a separate issue. Regards Billy
  6. Billy Fury1
    Hi Please would you be so kind as to comment on the attached letter I am about to send to Barclays re my claim for mis-sold package account. Many thanks Billy Barclays Claim letter.pdf
  7. Billy Fury1
    Hi Martin The default has been removed from my file. Regards Billy
  8. Billy Fury1
    Hi Martin I have uploaded a copy of the letter from Barclays as requested. I am awaiting confirmation from Experian as to how they (Barclays) managed to change my credit file and default date from 2010 to 2014 when they openly admit to having no actual real knowledge of this in the letter attached. What is the best course of action that you believe may be my way forward, any suggestions would be appreciated. Regards Billy 070916 PP Barclays No Idea comments.pdf
  9. Billy Fury1
    Hi Martin I have been through all of the data that Barclays sent me. I cannot see anything that refers to the default being changed or anything referring to the default. I will ask Experian for information as to when this default was changed by Barclays if they will provide this to me. I did not have the luxury of time available to sort this issue out when I discovered what Barclays had done, I needed to pay my ongoing financial responsibilities at the time and I would have obviously been refused a loan through the normal channels due to the incorrect information on my credit file. I have in the past asked Barclays (personal contact in branch) for an increase on my £10 overdraft which was refused. I had no option but to take the monies required from draw down through my Personal Pension scheme. Would you have any suggestions as to the best way forward to start the ball rolling with my claim against Barclays. Thanks Billy
  10. Billy Fury1
    Hi Martin I have posted earlier the reasoning and my perceived losses. Many thanks Billy
  11. Billy Fury1
    Hi I see my losses in terms of having to have made drawdowns via my Personal Pension which amounted to around £20000, this was the amount that was required to meet my financial obligations during this period. I would have been happy to have taken out a more beneficial option should I have been in a position to do so. This situation was wholly due to Barclays changing the dates on my credit file, something of which I was not made aware of and did not receive any notification from Barclays whatsoever. I have stated previously that Barclays could offer me no answer as to why this was changed and eventually corrected, unfortunately it was too late for me to change my plans to bridge this financial gap in my work life, I see this as loss that I cannot replace as far the value of my pension in the future. I have recently received what I believe to be the cumulative data file from Barclays which they held on me, this came in the post in two separate files in response to my SAR request. I have yet to go through the paperwork which is quite bulky It would be helpful to know what I should actually be looking for, that being said if Barclays cant tell me why my credit file was changed how could I be expected to find it Any suggestions would be gratefully appreciated. Billy
  12. Billy Fury1
    I agree with you, it is possible to get a loan from a loan shark (High interest). That is not something that I would do nor is it something that I should have had to contemplate. When my work position was becoming untenable I decided that a normal low interest loan would be the best alternative to see me over the coming months. I duly checked out my credit file with Experian and discovered that the default date which should have expired on January 4th leaving my credit file as excellent, the dates had been changed by the bank. I contacted Experian to inform them what had occurred, Experian was no help whatsoever and said that I would have to contact the bank direct. I contacted Barclays numerous times regarding the situation to no avail, they said I should write into them with my complaint, this did not give me any time to organise or dispute the situation, hence I had no other option but to take alternative funds. Barclays cannot tell me why this date was changed, they have confirmed this by letter/ I hope the above is clear as to why I acted as I did. Billy
  13. Billy Fury1
    Hi Martin Please could you advise how I confirm privately to Bankfodder my monetary loss as he has requested. I obviously don't want to post it for all to see. Please kindly advise. Billy
  14. Billy Fury1
    I have used a form suggested by the forum which includes the wording re; the statements to accompany my claim. Cannot delet this element of the form. Billy
  15. Billy Fury1
    Hi This is the same person but not the same issue, my CRA file is an issue on going, I have completed and sent a SAR request to the Bank over 40+ days ago and have not received anything back to date. Apologies as I am finding these threads a bit complicated as to where I should post etc. as I have not had much experience on these forums in the past. Many thanks Billy

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