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I worked for Barclays a couple of years ago and took out a staff loan. The aplication was made over the phone. They called back the next day and said it had been successful and that the money had been transferred to my account.
Would this type of loan still fall under the consumer credit act.
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I have CCA'd Barclays Staff Loans, I have the tracking receipt that proves they received it. They are now over 12 days and have not acknowledged or replied. Is there a template letter for my to say they can no longer take payments. Due to pay more next week but they are now in default.
Do i have to wait a further 30 days before witholding payment?
I sent three CCA requests off on 24th June. Two of them went to Littlewoods and Great University. Both replied saying they cant find it but sent a completely blank one so I ca see what one looks like.
The third was sent to Barclaycard. Royal Mail says it still hasn't been signed for, and have since received a letter from Merceres.
Has anyone ever had a problem with recoded delivery?
Yes i have had problems with recorded signed for on a few occasions, its no good complaining either theyre not interested.
The only one you can rely on is special delivery next day, expensive but essential for important docs
Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site
Curious. Only say that because ... Re BC. Happened the reverse last time I sent RD. Got confirmation from the PO box but none from the Pavillion Drive one. RD is notoriously unreliable. You certainly don't get what you pay for eg 'track and trace' ... cos if it doesn't get delivered, they cannot even tell you verbally where your item is in the system. But I note it's DCA's/creditors this tends to happen a lot with. Wonder why
No, it isn't much good complaining. Fact is, you aren't receiving even a basic level of service. Paid for.
The reason it shows up as not signed for with a lot of companies is because the post room usually signs one copy with multiple items on, so unless yours is on the first page then you don't get proof that its been delivered. I had 10 items not shown as being signed for but they were all delivered. I complained to Royal Mail and they sent a book of stamps for each one not signed for. Basically recorded delivery is a con, you're just as well getting proof of posting, which is free, and usually delivered next day.
Thanks, will try that then. In the meantime, I shall submit a compensation form - well, they did 'invite' me to do so when I complained on the phone - for the cost of my RD *untraceable, no show of delivery etc* but also refund of PO - not cashed, though I suspect that is a delaying game by the creditor - and will consider claming extra for the fact that as a result of failure to provide me a basic service eg at least tell me where it is, let alone if it's been delivered etc ... for the fact that as it was a legal matter, things will get worse for me now because of their failure. Don't think I will get very far, but no harm in trying. But I do have the complaint form.
Ok, thanks. If I don't reply it's because I am watching Nicholas Cage in National Treasure 2 ... which I was meaning to 2 hours ago ... then came on CAG.
No signed agreement??
a couple of years ago and took out a staff loan. The aplication was made over the phone. They called back the next day and said it had been successful and that the money had been transferred to my account.
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