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.
Just joined today and using the website to the full effect lol..
I contacted Barclaycard about MY PPI payments about a week ago, as I had been paying it for a few yrs and never really challenged it .. stupid I know
Gt my card about 4 yrs ago and only had a 300 limit but had PPi dont remember ever even having it or signing for it..I gt 2 letters this morning
letter 1: was about the PPI stating that I must of known it was there and have never challenged it and that they will have the original document within 4 weeks to show me and that I could not claim my PPI back
letter 2: I only briefly mentioned high charges in the letter for late payments and going over limit... the letter offered me the difference back and amounting to £230 and saying it will show in my next statement
My question is can I serve the rejection letter even though I have nt any info on actual charges or have sent any of the beginning letters which state the amount sought and the deadline. Can I just write a letter back asking for the whole amount with reference to her letter, as waiting for statements will push me back and the money will be in my account..
Can one have the missed payments put on experian taken off .. I only ask as people have mentioned this on threads that I have come across
PPIWait to see what they come back with about this.
Charges If you don't have the a/c statements, you need to get these from BC by sending an SAR with the £10 fee. Send it to BC by Rec'd Del'y.
Also send a separate letter rejecting their offer to refund £xxx.xx saying it is not acceptable and they can take any refund back if they wish. If they leave the refund in your a/c, you can deduct this amount from the final settlement figure you reach with BC.
If you haven't yet done so, read the Reclaiming Guide in Link No1 in my signature below.
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.
I will send a letter stating that I do not accept the offer .... do I just look for the SAR on this website ... whats the best address to send my SAR too?
Do you have any advice on a case I heard of when a credit card company had charged a customer £400 in late fees and over agreed limits .. but he agreed to have the late marks on his account on experian taken off in exchange for the CC company not paying the payments back
Barclays Data Protection
Radbroke Hall
Knutsford
Cheshire
WA16 9EU
Re. the case you heard of, if you have suffered penalty charges on the a/c, you are entitled to have them repaid along with any interest you have been charges on those penalties. I'm not aware of any trade-off to get defaults removed by NOT reclaiming penalty charges.
You will learn much by reading other members' threads in the appropriate forums. You'll then be in a better position to decide how to deal with your own circumstances.
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.
I know I thought It sounded a bit strange ..... I dont have any defaults .. just some missed payments oooppsss but obv these can not be overturned although the PPI did make my minimum payments much higher than they should of been.
I will send the letter to reject their offer of partial payment by saying what you said...
Is it always important to tackle the two areas in seperate letters e.g PPI and late payment charges
.. just some missed payments oooppsss but obv these can not be overturned
Sorry, don't quite follow here. If you suffered any penalty chgs on the a/c, you can reclaim them, hence the SAR.
I would do separate letters regarding PPI and penalty chgs - if you issue court action, you can then have the relevant letters ready to produce in court. You can put the letters in the same envelope to save on postage.
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.
"Also send a separate letter rejecting their offer to refund £xxx.xx saying it is not acceptable and they can take any refund back if they wish. If they leave the refund in your a/c, you can deduct this amount from the final settlement figure you reach with BC".
Is there a template for rejecting the first offer .....and explaining what you said slick
Just a thought about the defaults which you say cannot be removed. You could send them a CCA request to see if they have the original Agreement setting out everything properly.
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.
Thanks got the template as they have transfered the money into my account
My case is slightly different as I have been offered the difference between the £20 and £12 and obv I am going to write back rejecting this.
However where my case differs is the original letter I sent to barclaycard was for the PPI and I mentioned the charges .. so I did not sent a standard letter so I have never given them time frames as the letter was nt a template asking for the charges back
HOW can I change the rejection letter for someone who has not sent one of the first requests for charges , and also as I have yet to receive my statements back can I just say I WANT ALL CHARGES BACK
I HAVE TO OBV SEND SOMETHING BACK TO REFUSE THIS FIRST OFFER THEY HAVE SENT ME
I refer to your letter of xxdate which offered to refund £xxx to my a/c. I reject this offer as it does not reflect the full amount of penalty charges made to my account.
If you have credited this refund to my account already, I hereby authorise you to remove it if you wish. In the alternative, it can be taken into account when we negotiate on a settlement figure for the refund of my charges.
I am awaiting my account statements from BC to quantify the total charges I will reclaim and will be in touch further accordingly.
Yours faithfully,
Get your SAR sent off with the fee. Once you get the statements, quantify your claim by filling in the spreadsheet (SOC) and THEN you will send your Prelim Letter to BC.
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.
Just to inform you all that I have received a letter from Barclaycard offering me the full amount back including interest. I am delighted and will be donating my 5% to this very helpful website thanks to all that have offered me advice especially slick132.
I would like to know peoples opinions If I can do anything regarding the late payment markers that were placed on my credit file in relation to a late payment fee which resulted in me missing a few later payments as I was unable to cover the cost of the charge which was actually double my actual monthly payment which resulted in the situation spiralling and always chasing my tail and resulting in a few missed payments although I have now received this money back. (I was a student at the time).
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.
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.
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.
sent my CCA request last Monday (Recorded) the post office have not updated me if It has been received or not its been a week so maybe it has got lost.
Is it advisable to send another CCA request this time special delivery and give them the time frame to reply again.
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.
re: barclaycard goodwill gesture
payments about a week ago, as I had been paying it for a few yrs and never really challenged it .. stupid I know
Reply With Quote
