Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. 13th February 2009 01:50 #1
    courage2berich courage2berich is offline
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    Default Unauthorised standing order from Barclaycard

    Hi

    I am not sure if this question has been answered on the forum. I wrote letters to Barclaycard to accept token payments and they refused although i continued making the payments and had sent my debt to mercers. I have 2 Barclaysicon accts business and personal. I placed money in a personal barclays savings accounts a few days ago and went online to check my statements to find they had taken two payments as standing orders from this saving account. I never had any standing order with them. And I definitely did not set up a standing order!!!

    Can Barclaycard do this? Is there anyway I can get this money back from Barclays?

    I'd appreciate a response.

    Thank you In Advance

    Abbey:
    Settled in Full after 1st Prelim letter 23 January 2006
    Halifax:
    Settled in Full at court 21 June 2006
    NatWest:
    Settled in Full at court 22 June 2006

    Barclaycard:
    Data Protection Act Letter sent 09 June 2006, Microfiche letter 20 July 2006, response sent 10 Aug 2006.

    Monument:
    Data Protection Act Letter sent 09 June 2006. Kept up to date with delays for info. Statements rec'd 12 August 2006

    Barclays (Mother):
    DPA Letter sent 14 June 2006. DPA cheque sent back 23 June 2006 will provide statements for FREE . Statements rec'd 12 August 2006.

    Lloyds TSB:
    Coming next
    Capital One:
    Coming next
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  2. 13th February 2009 05:38 #2
    BankFodder BankFodder is online now
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    Default Re: Unauthorised standing order from Barclaycard

    They do have a right to combine accounts although they excercise very selectively so that it benefits them and rarely the customer.
    Search for posts by me containing "combination"

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 14th February 2009 00:59 #3
    courage2berich courage2berich is offline
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    Default Re: Unauthorised standing order from Barclaycard

    Thanks bankfodder for your response.

    Abbey:
    Settled in Full after 1st Prelim letter 23 January 2006
    Halifax:
    Settled in Full at court 21 June 2006
    NatWest:
    Settled in Full at court 22 June 2006

    Barclaycard:
    Data Protection Act Letter sent 09 June 2006, Microfiche letter 20 July 2006, response sent 10 Aug 2006.

    Monument:
    Data Protection Act Letter sent 09 June 2006. Kept up to date with delays for info. Statements rec'd 12 August 2006

    Barclays (Mother):
    DPA Letter sent 14 June 2006. DPA cheque sent back 23 June 2006 will provide statements for FREE . Statements rec'd 12 August 2006.

    Lloyds TSB:
    Coming next
    Capital One:
    Coming next
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  4. 15th February 2009 00:55 #4
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    Default Re: Unauthorised standing order from Barclaycard

    Hi C2BR,

    They'll use the Right of Off-Set whenever they have the need and/or opprtunity. So any credited funds you have will be at risk of this practice.

    You need to consider depositing funds with another bank to avoid a recurrence of this.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    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.

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