Thread: Candylee -v- Barclaycard

haha, sorry had a little laugh to myself. Barclaycard, then mercers - the henchmen to the devil (Barclays) and now Calders - well i kinda guessed it's the same lot of fodder, cos it's da liverpool bit that is the give away! I got a case re: harassment. Those who successfully win, it would be nice to have the case number! then one could quote in defence or claim - all comments appreciated. kindest to all

angel1, I am in the thows with fos re: MBNA. MBNA put up my interst rate without notice, to nearly 40%. This was because i asked them not to send me a new credit card. I noticed huge increase monthly payment. They stated, "oh, your introductory rate ended, cos you cancelled your CC" I asked when did my introductory rate end, they said, don't know, it's on your CCA". Did not comply with CCA request, did not comply with SAR request. Hence my complaint sent to FOS. The FOS have absolutely, no interest in supporting the law re: Consumer Credit ACT. The advisor said, we hve no interests in legal aspects, we only look at the break down in the relationship and act to create fairness to BOTH parties. MBNA, offered me XXXXX plus interest in compensation. FOS gave me a very strict time frame in which to agree the offer. I complained, how, can i agree to an offer of compensation, when i have no idea of what the final figure will be. FOS advisor, complained, but you spend the money. I replied, how can one spend compounded interest and default charges? silence!!! Food for thought girls and guys out there!!!!

Gary68/angel 1

That is more or less, the same crap kinda letter i got from fos. Further, i note, FOS decision is LEGALLY BINDING. Can i or should i assume, that if i accept the offer of compensation from xx and there remains an outstanding balance, even though no contract exists. does this mean i can still be taken to court by xxx. I could just write pages about the crap re: barclaycard et al. Barclaycard gave me the same crap, You only need our Terms and Conditons and oh, your credit card agreement starts when we send you, your credit card. My agrument is this, either credit cards are regulated by the Consumer Credit Act 1974 or they are not! It appears from the way credit card companies behave, they are not regulated by this act, re: refuse to comply CCA or SAR etc. Further, Barclaycard, totally refuse to supply SAR, i have also senf them CPR18 they refused this too! as anyone been able to get SAR from Barclaycard, in particular log of calls and transcript of calls. I spoke to solcitor when he heard barclaycard, was too afraid to take the case. WE MUST BEAT THESE BULLIES THEY THINK THEY ARE ABOVE THE LAW!