Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
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    Default BARCLAY CARD - has got wrong details on my C.R.A Files

    Can someone please help me. I did have a Barclaycard which was paid off.

    recently checked my CR file and note that they have put a marker on the file for Barclaycard with an outstanding balance.

    called them today and they could not find my old card details.
    said to them that I am in possession of the card and was reading out the card number and they told me that it does not exist,
    gave me another card no which they claim that belong to me.

    only had one Barclaycard.

    told him why do I need two Barclaycards and that does not belong to me.

    am going to send them a CCA letter.

    Does anyone has a contact name or address to whom I can send a letter to please?

    Many thanks


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    Default BARCLAY CARD - has got wrong details on my Credit Reference Files

    Sometimes they renew the cards, and the new card has another number.

    Also, its not a CCA you need, its a SARicon.

    Also, do you actually have any outstanding balance with them on your CC that you physically have?

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  3. #3
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    Default

    Hi there - thank you for your prompt reply.

    My old card which was paid off has no balance and in fact they owed me 12.00 as there was an over payment.

    was reading some posts on Barclaycard and I read that they actually change card numbers.
    am going to send a photo copy of the card that I have and ask questions as to why they cannot find it on their systems.

    Surely the computer systems will show all the past and present details of customers.
    have sent a cheque for 10.00 requesting the DSAR.
    But I would have to wait 40 days for that.

    need the answers as soon as possible because I noticed that the balance I saw last month has increased today.
    there is something wrong. Unless they put the interest or something.

    am very concerned about this debt outstanding.

    And the other worry is that they cannot find my address.
    I spelt it out three times but they said they cannot find it.


  4. #4
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    Default Re: BARCLAY CARD - has got wrong details on my Credit Reference Files

    Hi CB,

    You sound v sure you paid off the card and there was no balance owing apart from the 12 they owe you !!

    They have 40 days to reply to the SARicon you've already sent and there's nothing you can do about that.

    But you can also write a brief complaint to BC at Northants, quoting your old card number and your address at the time, confirming that they owe you 12. So you require that they tell you why they are posting adverse data on your credit files showing you owe a balance which is increasing. Tell them you require a reply within 14 days.

    Use RM Signed For delivery.

    Keep the letter short and focused. Put a copy here for us to check before sending if you want.



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  5. #5
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Hi Slick many thanks for your help.
    Below is the letter that I got from a templateicon from this site and amended to my needs.

    Dear Sir/Madam

    Re: xxxxxxxxxxxxxxxxxxxx

    I recently note that there is a Barclaycard registered under my name on my Credit file as follows:
    Terms 0 @ 0 (Monthly) Status Defaulted Current Balance 1,192 Start Balance 0
    Credit Limit 0 Default / Delinquent Balance 1,316
    Start Date 14/08/2009 Date Updated 05/11/2013
    Date Last Delinquent Date Satisfied Default Date 30/11/2011

    PREVOUS CARD DETAILS WHICH IS THE CORRECT CARD NO. XXXXXXXXXXXX
    credit report on: 04-11-2016 BARCLAYCARD
    Start Date 01/11/2002
    Date Last Delinquent Date Satisfied 13/06/2014
    Default Date Payment Amount 0
    Previous Statement Balance - 12

    With reference to the above account, I request that you send me a true copy of this credit agreement as I believe that the above account details have been put on the file by error. I have no knowledge of this Barclaycard, and I do not take any responsibility towards this debt. I will send a letter to Credit Reference Agencies such as Equifax and Experience as the account in question is disputed.

    This is my right under the legislation contained within section 77 (1) and section 78 (1) of the consumer crediticon Act 1974, and I am entitled to receive a copy of the credit agreement on request.

    Your obligation also extends to providing me with a statement of account. I enclose a 1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act and MUST NOT BE TAKEN AS PART PAYMENT FOR THE ALLEGED DEBT. I understand that a copy of the credit agreement should be supplied within 12 working days from the date of this letter.

    I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

    Yours faithfully.
    _________________________ _________________________ _________________________ _________________

    Any advice would be greatly appreciated.
    Many thanks


  6. #6
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    that's a CCA Requesticon.

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  7. #7
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Hi DX - thought I would do a CCA to see what they have and go from there.

    Is there another letter that I could send off please?


  8. #8
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    go read slicks post


    dx

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  9. #9
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    You've already sent a SARicon and you're waiting for their reply.

    Does as I said in para 3 above. Just a brief complaint and post the draft here first.



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  10. #10
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Hi Slick and DX

    Here is the short version and would appreciate if you could please have a look. Many thanks.

    Dear Sir/Madam

    Re: xxxxxxxxxxxxxxxxxxxx

    I recently note that there is a Barclaycard registered under my name on my Credit file as follows:
    Terms 0 @ 0 (Monthly) Status Defaulted Current Balance 1,192 Start Balance 0
    Credit Limit 0 Default / Delinquent Balance 1,316
    Start Date 14/08/2009 Date Updated 05/11/2013
    Date Last Delinquent Date Satisfied Default Date 30/11/2011

    PREVOUS CARD DETAILS WHICH IS THE CORRECT CARD NO. XXXXXXXXXXXX
    Start Date 01/11/2002
    Date Last Delinquent Date Satisfied 13/06/2014
    Default Date Payment Amount 0
    Previous Statement Balance - 12

    I believe that the above account details have been put on the file by error. I have no knowledge of this Barclaycard, and I do not take any responsibility towards this debt. As I mentioned to your Customer Service Assistant on Friday 17th February, I only had one Barclaycard which is now closed.

    This is against the ICOicon rules and I would like you to remove this entry from my credit file.

    I expect to hear from you within 14 days and if I do not hear from you within that time I will be making a complaint to ICO. (I hope this is correct)
    Yours faithfully


    xxxxxxx


  11. #11
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    what about the bit that the account is in credit
    read slicks post

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  12. #12
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Thanks DX - yes I will add that and will post the letter tomorrow Recorded delivery. I know the existing card was paid off, but if there are any late payment fees is it too late to claim now?

    Don't think I had any PPIicon.
    Thanks again.


  13. #13
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    I'd finish by saying :-

    This is against the ICOicon rules and I require that you remove your data from my credit file.

    I expect to hear from you within 14 days, failing which formal complaints will be made and compensation will be sought for the damage you're causing to my reputation.


    Send to BC and let us know how they respond.



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  14. #14
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Great help. Thanks Slick. I was not sure how to end the letter. I will let you know when I hear from BC.


  15. #15
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Letter to BC sent via Recorded delivery.

    I also have received a lettericon from BC regarding SARicon.

    They are sending to my local branch.
    As I have moved house now I need to take some ID to pick the letters.

    I went to the local branch and told them about this so they are aware when the documents arrive I will take the ID to pick them.
    Hopefully not long to wait.


  16. #16
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    I got my SARicon documents yesterday.
    There is a document that relates to an account but no transactions.
    So I am going to send them a CCA letter today.


  17. #17
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Can someone please let me know to which address I should send the CCA Requesticon?
    Do I address the letter for the attention of Compliance Department?

    Thanks


  18. #18
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Their London HQ address as per the Sticky - http://www.consumeractiongroup.co.uk...-Viewing)-nbsp



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  19. #19
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    I received some statements and some documents which may or may not be helpful.


    did not contain applications or agreements.


    I sent another letter with 1 postal order for CCA. Waiting for those now.

    the statement in question was blank.


    I also had a letter from them to say that I have an agreement although they can't enforce anything at the moment etc etc.

    I am going to call them tomorrow to say that I have not received the copy agreements


    the data that they have sent does seem very odd as I never had a Platinum Master card which they stated in the letter.

    Wait to receive everything and will send another letter to Barclaycard.


  20. #20
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    Default Re: BARCLAY CARD - has got wrong details on my C.R.A Files

    Hi CB,

    Better NOT to call them - put your concerns in writing, addressed back to the office that supplied.



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