Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
i had a monument card and had it for years, always incurring costs due to one thing and another (usually just forgetting the bill was due!!!) anyway last week barclaycard kept ringing and ringing and telling me of a payment, eventually i lost my temper with the woman and told her that card wasnt mine (my balance was far higher than what she quoted) only to be told that barclaycard have taken over my monument card, first ive heard ive had no letters telling me of the take over nothing at all and stated this so they let me off with the late payment charge!!, so silly me instead of disputing it there and then paid her via my maestro card, what should i have done??
this card was down to £120 but now with charges due to no communication from monument for months on end its upto £575 and barclaycard have lowered the limit to £500 which means its constantly in the red
thanks in advance
honey x
SAR them then go through the usual route to reclaim charges.
Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.
I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)
im gonna need help here ive never done anything like this before
will me actually paying her over the phone mean that ive acknowledged the debt?
barclaycard dont seem like nice people to deal with
honey x
Charges aren't the same as debt they're unlawful. You wont get the balance of debt back back but you can reclaim all of the charges, letter fees, late payment fees etc. Have a read through the FAQs and that will explain all.
Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.
I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)
there's loads of help around the site and all the letters you need are in the library. Start a thread under the relevant bank/company and someone who's good at this game will be able to help.
Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.
I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)
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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I take it you don't have all the statements that go with the history of this card ?
Thats not a problem, you first of all have to send them a S.A.R.= Subject access request. As Jenschnifer suggests. In this you are asking for all the details of your history with Monument and Barclaycard. You will find template letters here :-
Have a good read though this section and get back to us !!
Here you go, you on your way already !!
Lex
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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
thankyou, no i dont have the past documents unfortunately
i will have a read tho
but will need step by step guidance as ive never "been here before"
honey x
but I am sure there are plenty of people prepared to hold your hand and keep you on the straight and narrow
So thats your next three days taken up !!
Lex
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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Thats what we all think when we start out after OUR money back. As you go on your confidence will grow with each stage, and you have the mighty CAG behind you now !!!
Remember it's your money they have, and you want it back !!!
Just go one step at a time and you will be fine.
Lex
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Forgot to say, next time anyone calls you about a debt, looking for payment, etc, tell them to write to you as you are not dealing with this on the phone. Then put the phone down.
If they start calling often and harassing you, let us know and we can help.
There are plenty of ways we can help you shrug off anyone trying to squeeze money out of you.
So, get your S.A.R - (Subject access request) sent off requesting your statements as soon as poss.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
As Slick says don't put up with any harasment over the phone from them. If they keep it up you may want to think about writing to them with one of these :-
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Honey v Barclaycard
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Originally Posted by honey5
and you want it back !!! 
do i send the 