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gamekeeper01

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  1. Hi All, well a very quick result. As well as doing the aforementioned I also contacted my DAS administrator to help me with this issue. They said they would also contact Barclaycard that day but advised it would take days if not weeks to get an answer from Barclaycard. Well, today I received an email advising my credit score had altered. After checking, the default has been removed and now there is no adverse information sending my score very much higher than it was. Thank you again for all your help. Very best Gamekeeper
  2. Hi dx, sorry for the late reply. Yes, got that, letter written and sent. I'll update you on developments as they arise. Many thanks
  3. Hi, attached is the leter I sent minus my name, account number etc. XXXXXXX XXXXXX XXXXXXX 24th February 2020 Barclaycard House 1234 Pavilion Drive NORTHAMPTON NN4 7SG Dear Sirs Reference Account Number:XXXXXXXXXXXXXXXX My Previous Address: XXXXXXXXXXXXXXXXXX With reference to the above account I write to formally complain regarding a default which you placed on this account in 2018. The account was originally defaulted in 2008/2009 and subsequently placed into a Debt Arrangement Scheme (DAS) in 2009. You will no doubt be aware that a debt cannot go into a DAS unless it has already been defaulted. My DAS came to an end this month January 2020. The account has never been used and as mentioned been in a DAS yet you defaulted the account in 2018 and placed this default on my credit file. I now request you remove from my credit file and explain your rational for the default. If do not hear from within the next 14 days I will take further action to remedy this situation. I await your response. Yours faithfully
  4. Hi Dx and thank you the prompt reply. I have written to them on the 24th Feb, 2020 asking more or less exactly that and guess what? No reply. Also, I sent it signed for so I know they have received it. Is it worthwhile waiting for the 8 week deadline and going to the FOS or is that a waste of time? And will the ICO really be able to do anything? Court action would be my favourite but not sure just how to go about that. Cheers
  5. Hi Everyone, could someone advise me on this please. I was placed in to a DAS in 2009 with various debts and companies one of which was Barclaycard, and thankfully the DAS completed earlier this month March 2020. I recently tried to get credit while in the DAS (2019) but either turned down or given interesting terms which I did not question since I was in a DAS! I checked my credit file after I recieved my discahrge letter from the Accountant in Bankruptcy and was very surprised to see Barclay Card had defaulted me again in March 2018 saying I owed them £300.00. Now, none of the accounts in the DAS had been used and equally I have no cards therefore can't use them. Equally, I have no credit cards or debt other than a mortgage for my house which is up to date and was never defaulted. What course of action should I take to get this default removed and can I go after Barclaycard for compensation as it appears this default has had a severe impact of my credit score? Thank you for your help
  6. Thanks for all the info guys. Cunning plans sometimes work sometimes not, in this case it seems not. Thanks anyway.
  7. Read it but I still don't understand what it means and what the implications are. Sorry, I'm not being obtuse but it's legal jargon.
  8. Hi All, and any advice on this would be gratefully received. We have a mortgage and a second charge on our house. The second charge was to cover a business loan. Now, this situation has been on going since the 2008 crash and we have been unable to repay the second charge and given other circumstances I know I will have to go bankrupt to get out of the situation. However, we are still in control and I would like to take the following course of action is it against the law and what would the implications be if any other than what I already have described. If we say for example the house is worth £150K and the mortgage is £50K (1st Charge) and the loan is £50K (2nd charge) and we sold the house to a third party completely unconnected to us for £52K repaying the mortgage but only paying £2K of the second charge would the 2nd charge lender come after us for selling the house to cheaply? I have simplified the situation to some degree but in essence that is the situation we are in. Any views as said will be very welcome. Gamekeeper
  9. Hi All, any advice on this matter would be greatly appreciated. I took out an overdraft with Lloyds/TSB in 2005/6 for £50k through my company. The bank insisted that I have a Standard Security and Floating Charge on my house for the same amount. when they went through their split Lloyds/TSB insisted that my account be transferred over to the TSB. In the fullness of time the account overdraft was transferred over to TSB. Then a year later TSB decided they could not manage my account (purely administrative) and insisted my account be transferred back to Lloyds/TSB but as I live in Scotland there are no Lloyds branches and therefore, it was transferred to Bank of Scotland. For various reasons the business failed and Bank of Scotland have called in the overdraft. Now, this is where I think it gets murky. At no time did the Bank ask for or change in any way the Standard Security on my house and therefore Lloyds/TSB still have the second charge on my house but I don't owe them any money as the debt was repaid when I moved to Bank of Scotland. I know they are the same group but they are all different companies. Does anyone have a view if Bank of Scotland can take action against me regarding the second charge or do they have an unsecured loan? Clearly I'm on the hook either way but there will be very different outcomes if the Bank can't action the second charge. Thanks for having a look and if you need more info please let me know. Gamekeeper
  10. Hi CB, and thank you for the prompt reply. I did read the link you posted with great interest. I will now try to read the docs I have but they are not overly legible and establish what it is I actually have. At the end of the month we'll see where Lowells go with this, it wil be interesting if nothing else. I will keep you posted. Many thanks so far. Cheers
  11. I thinkl I took it out to get a discount on some purchases when we were at the shop. You know the situation, "please take our card out today and we'll give you 10% off whatever you're going to buy". Seemed daft not to. Cheers
  12. Hi both, yes my sig is on the document. I don't recall if I were allowed to take cash or not. Sorry, not being very helpful here. I copied the docs as 500 dpm so what you see is what I have. Given what you can see and what I have said any views? Cheers
  13. Hi all. application form attached. I hope it works! Cheers
  14. Hi CB, I signed for it in store. I don't think it was a store card but honestly can't remember. Would you explain why you ask? I will follow your instructions and repost the forms asap. Cheers
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