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Hi there. This is my first posting and I need a bit of advice please!
I cca'd Barclaycard and it's been 12 working days now since they received the request (sent rec del).
This is for a credit card which was originally a Goldfish one, taken out around 10 years ago I think, possibly around the time when Goldfish was first launched.
What do I do now? Do I just wait or would it be better to go down the SAR route?
HI,
If there are charges on your account then an SAR may be the way to go. If not then you could send the A/C in dispute letter but why should you be telling them what they should already know.
Whichever way you go BC have defaulted and you are quite within your rights to stop paying them.
fox
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Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Hi there. This is my first posting and I need a bit of advice please!
I cca'd Barclaycard and it's been 12 working days now since they received the request (sent rec del).
This is for a credit card which was originally a Goldfish one, taken out around 10 years ago I think, possibly around the time when Goldfish was first launched.
What do I do now? Do I just wait or would it be better to go down the Subject access request route?
Many thanks!!
Becca,dont hold your breath im still waiting for my cca from Barclays,its now 7 weeks since there 12+2 was up, you will get the automated letters re non payment and they will try to ring you too,But your well within your rights to withold payments while its in dispute,
ide just sit back and wait for them to send the cca or a letter with their intentions
Still no word on my cca from Barclays but a £10 M & S voucher arrived in the post from them last week with a standard letter about me being a good customer! The other thing is they haven't yet cashed my £1.00 cheque for the cca. Letter definitely arrived ages ago as did it recorded delivery.
One payment missed now but have put the money aside just to be on the safe side!
Got a statement today from Barclays with late payment charge added for missed payment at end of December. How do I stop them adding charges? 12+2 days was up before Christmas and I also sent the 'in dispute' letter. Just got a call from Barclays this evening. Was brave and told them I wasn't in!! Had stated in my letters I could only be contacted in writing so perhaps they can't read! Still haven't cashed my £1.00 cheque even though it was signed for ages ago. Does this matter? No sign of cca......
Becca,
dont worry about it, the account is in dispute,
they will carry on adding those late charges on no matter what,cause they simply ignore anything you tell them,
but it will do them no good, they can add as many charges as they want,
cause until they come up with your agreement they cant enforce it,
and even if by some miracle they did come up with your original agreement and it was a fully compliant one ,(even bigger miiracle) you would claim all those charges back anyway.
The account will prob be passed on to mercers when they realise you aint going to pay up .it took them 3 months to pass my accounts onto mercers
Dont speak to barclaycard or mercers on the phone, they will bully you and try to convince you its in your interests to pay even though the account is in dispute
Simply refuse to answer their security questions and tell them to put everything in writing and put the phone down on them,
Dont worry about the non cashing of the £1 fee, they still havnt cashed mine from october,
You have proof they signed for it, its their problem ,youve done all you can, just sit back and wait for their next move,
Thanks for that. It's good to have this forum to get a bit of support and reassurance when the nerves get a bit wobbly. Must get used to that for what's to come!!
Well, the calls have started! 3 to my landline, 2 of which I did't answer, a text to my mobile and a call to my moblile. Don't know how they got the number as it's pay as you go and I only give the number to family and friends. I didn't realise it was them and answered it. Once I knew who it was I started asking Mr Barcays how the weather was, had he had a nice Christmas etc. He started getting quite annoyed and said he wanted to talk about my account so I said can't possibly do that, it's in dispute and I only deal with finances by letter. He told me I was entitled to my opinion but the calls would continue so I said I would look forward to our daily chats and I did so hope his job was safe! I think he thought I was a bit mad and he hung up. Am keeping a note of the calls. Will look forward to the next one....
Keep it up.
They don't like it when their power is taken away.
fox
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.
The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.
Don't know how, but Barclayshark have managed to get the number for this and have started ringing it!
Three guesses how they got the number:
Give up?
Here's a clue or three:
CallCredit
Experian
Equifax
They got my Mobile Number too, and I never, ever, gave that out to anyone except family and close friends. And I never used it to call anyone that could've grabbed the number.
The Debt Industry controls our Data, and can roam around and poke about in our Data in many more ways than they will ever admit.
My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.
The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.
Thanks
Just a thought but how did you load the credit on the phone? pay by debit or credit card and its linked via your credit report.. I could be overstating the lengths they will go to but I doubt it.
If you complain to the OFT and ensure they know this is the phone of a minor CCing in Barclaysharks it might have some effect but to be honest once they have a phone number chances are the calls will continue
My 8 year old has a pay as you go mobile phone which her uncle gave her just to take pictures on etc. It's only ever had credit put on once, at the end of last year. Don't know how, but Barclayshark have managed to get the number for this and have started ringing it! How do I stop this! It just rang a few minutes ago and I answered and told them this wasn't the phone of the person they were trying to reach so please stop calling it.
The calls to the house are increasing but I can cope with that as I just ignore them, but calling an 8 year old's phone is out of order. Any ideas on what I should do about this would be great.
Thanks
When you buy a new PAYG 'phone or SIM card some providers 'invite' you to register, offering a few quids worth of free calls. When you do your details and number are added to a directory which is then sold on to anyone who is willing to part with a few Shekels.
Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.
Ringing an 8 year olds phone is dispicable and needs to be stopped.
If you know your local beat officer, ask them if they'll ring Barclays on your behalf.
fox
If you are asked to deal with any matter via private message, PLEASE report it.
Everything I say is opinion only. If you are unsure on any advice given, you should see a qualified solicitor
Thanks for all the advice. I paid for the credit on the phone with my debit card so perhaps that how they got the number.
Emailed a complaint last night stating I would report this to the relevant authorities and funnily enough haven't had any calls yet today on either the mobile or my house phone. Have usually had at least 2 by now. Wonder how long that will last.
Haven't made any PPI payments or done a SAR. Was sitting tight until I got a reply to my cca request. Am expecting a copy of my Goldfish application or the like and then a letter stating they don't have to supply copy of original. Seems to be their latest tactic!! I think I'll wait for that then do a SAR.
Many thanks for all your help. Nice to know I'm not alone!
cca and barcays
route?
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Re: cca and barcays
Originally Posted by Becca00
im still waiting for my cca from 
you would claim all those charges back anyway.
