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I ran into financial difficulties last year with my business and after much procrastination and stressing eventually got help earlier this year from CCCS. We set up a dmp and I thought I would be able to get back to focussing on my business & working out how I was going to pay back the £100k that I was alleged to owe.
However a couple of the alleged creditors decided that they wanted to push things a little further, the one in this thread being Barclaycard who set WESCOT Credit Services onto me with regular calls, messages etc all of which I thought had gone away as I wrote to all creditors asking them to communicate by letter only.
After lurkin on here for a while and trying to assimilate as much info as possible, I sent a CCA request to Wescot to see what they had on file, this was recorded received on 28/04/08.
Today I received a response from Barcaycard which didn't make a lot of sense, but enclosed was one sheet of apparently a credit agreement, my signature, their sig, charges etc, however a slight ommission as it refers to T&C's below and overleaf but there ain't any.
Also there doesn't seem to be any reference to T&C for the PPI other than cost of nearly £6k which plus interest equates (roughly) to the outstanding balances they are claiming, major problem as i don't recall getting any T&C and/or cancellation notices at the time of application (Nov 2003).
Help needed, where do I go from here?
TIA
Pointbreak
PS I will post in the appropriate sections about the other CCA requests if I ever get a response from 'em.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
I presume this was in your own name and that you were /are a sole trader.
In which case I would send them a SAR to get full details of how the PPI was sold, if at all. From what you have said if you can reclaim the PPI you have written off the remaining debt.
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
firstly your PPI is a single premium (frowned upon by the fos) the ruling on PPI selling only came into effect on 14 Jan 2005.
Barclays have given you a flat refusal on your PPI reclaim so you can either go straight to the FOS (who are currently upholding 4 out of 5 claims for missold PPI on various issues) or you can start Court proceedings.
Please see this for more detailed information....links
At the time I took it out I was employed & used it as a consolidation loan so was fairly desperate to aquire the funds.
It was a telephone application not face to face
Although it refers on the covering letter to a complaint I haven't yet complained or requested a refund (that's to come) just fired off a CCA to find out as much as I can beforehand. However I believe that Barclaycard have responded inadequately to my request and need to be sent to the naughty step, just a matter of how.
At the time I took it out I was employed & used it as a consolidation loan so was fairly desperate to aquire the funds.
It was a telephone application not face to face
Although it refers on the covering letter to a complaint I haven't yet complained or requested a refund (that's to come) just fired off a CCA to find out as much as I can beforehand. However I believe that Barclaycard have responded inadequately to my request and need to be sent to the naughty step, just a matter of how.
thanks again, off to do some research.
pb
Hi pb, You wont get much information back from a CCA request. Only an agreement form (if that). If you want more disclosure you will have to send an S.A.R. (Subject access request) enclosing a £10.00 postal order for the fee.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Pointbreak vs Barclaycard Masterloan PPI
and I thought I would be able to get back to focussing on my business & working out how I was going to pay back the £100k that I was alleged to owe.
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) just fired off a CCA to find out as much as I can beforehand. However I believe that Barclaycard have responded inadequately to my request and need to be sent to the naughty step, just a matter of how.
Originally Posted by pointbreak
