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eatonhill

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  1. Hi bankfodder, I sent it to the address in Edinburgh and got a reply from the SAR team. The woman who sent the letter said she was assigned to it but a guy who is the SAR’s administrator told me they couldn’t post the report and he’s the one who emailed me with the credit card statements.
  2. Hello again, Is anyone else having real problems with Nat West credit card PPI? I filled out the online form to enquire if i had been missold PPI on two credit cards. A few weeks later i got a letter saying they had nothing on file and couldn't find an account number for me. Got back in touch and said i had specifically asked about credit cards as i don't have a bank account. Absolutely nothing from them. Filled out the online form again and highlighted it was credit cards only. Again nothing. sent letter and money requesting SAR, a few weeks later got a letter saying they had assigned my request to someone and the request only gives me access to my personal data etc etc. 12 may got a phone call from nat west saying they couldn't send the SAR because their carriers don't deliver to Cyprus but they had sent me a secure SAR via the banks internet. I received 38 documents of old statements, 2 letters from me about change of address and 1 bank info saying i had paid extra off my credit card. i did not receive the initial credit card agreement, nor a copy of the letter they sent to me saying they had no information from me. I emailed the chap back via the secure service and it was received the following day and asked him for a full printout of my history, plus the Notes on the Nat west archive and asked what was their data retention policy regarding credit card details. Also asked why they couldn't deliver SAR to me and who were their couriers? this was on 16 May and to date nothing! Any one with any ideas how i should proceed. apologies if this is long winded but I'm stumped and wondering if i should put in a Plevins case if possible. thanks for reading
  3. Hi Andy , that’s the one thing you can’t do - they may say provide contact address but it has to be a specific address with proof of residency, ie bill, rates etc
  4. Hello, thanks for reading. I too read the newspaper report. As for Mr Piplani reply it makes no sense. I use my card overseas but that doesn’t mean I have a uk address. Also, very misleading saying a U.K. contact address. The letter sent out states you have to be resident in uk. My point in this thread is Barclay card have broken their own terms and conditions by knowingly continuing to supply me with new cards, a credit limit and sending my paper statements to an overseas address for 12 years! It’s only now they realise I live abroad. Is 12 years a temporary basis?
  5. Hello all, Long story short. Put in for PPI and won. Paid off substantial amount on my credit cards. 1 month later received letter from B/card telling me they “realise” I’ve had a b/card for some time ( 12 years actually) at my current non uk address. They are going to cancel card as I’ve not got uk address. Is it legal for B/card to break their terms and conditions yet I have to comply, which I did when I told them of my non uk address. Seems strange that for 12 years they were quite happy for me to have their card but now due to paying off a huge chunk I’m now penalised. Any thoughts if this has happened to other expats and are B/card in breach of their own rules?
  6. Back again, To all who've given me advice its been much appreciated and used. However, i received the final decision yesterday and need some more advice on how to reply. Ok, i don't accept their reason for the decision mainly due to them agreeing that i was right and Barclays were wrong in so many ways. Unfortunately what i class as downright deceit the FOS seem to view the mistakes made as either standard wording in their letters (bank saying i had agreed to FOS decision - even when it hadn't come through). And a mistake in explaining why they hadn't closed my account because they had given me an extra six months (oops that was just another little mistake?) and on it goes. Anyway, I'm not going to get any further so i have to decide whether i accept their decision or don't. My question to anyone who isn't as paranoid as i am is; 1. If i accept, it means the decision is binding on me and the bank - what exactly does this mean? does it mean i can do no more because I've agreed and have no right to report the bank to the FCA, the bank get their money back from me and don't add any more charges onto my account and finally close my account. or 2. If i don't accept, the decision isn't binding. So does this mean that the bank can add all the charges back onto the account and expect me to pay them as well. 3. What if i don't agree with the way they got to their decision but will pay back the money they paid out to the credit card companies and be done with it. Anyone got any ideas how i can agree to disagree. I certainly want to report Barclays to the FCA mainly due to the Ombudsman's statement saying "Its not my role to punish, reprimand or fine the bank" Thanks for any advice
  7. Hello Uncle B, Thanks for that,. I will have to wait for the final decision from the FOS as they have said that they won't communicate with me now until the final decision is made. But I want to see who made all these decisions and when they were made.
  8. Hello Slick, I've kept all emails and letters from Barclays and I make notes of phone calls. Is there any way I can get hold of banks correspondence with FOS? I've got all communication between me and FOS but I would like to know how bank have made their decisions. Thanks
  9. Hello Andy, so sorry and I will do it properly next time
  10. Hi slick, how do I edit the post? Thanks
  11. Hello again, it's been a while and still going on. Just thought I'd give anyone interested an update and I need to ask a question. So far, the FOS sent me their provisional decision which agreed with me ( I didn't agree with the adjudicator and put it with the higher ups). However, I still didn't agree with her provisional decision mainly for a comment saying I had benefitted from Barclays mistake. How was I benefitting if the FOS wanted Barclays to compensate me with £100 but pay back the money they had paid to Barclaycard? Interestingly, FOS sent me the decision on 6 June and hey presto I get a letter from Bank dated 8 June informing me that I was overdrawn! ( first letter informing me about o/d even though I'd been o/ d since January and to cap it all the bank had started charging me daily because they had used the emergency borrowing facility to pay their charges!) I called them and they wouldn't answer me but told me they would call me back and it was to be a priority callback that was on 22 June and I'm still waiting! Yesterday I get another letter from Barclays dated 17 June telling me I have accepted the FOS decision and they have credited my account with £240.25 ( made up as £25 refund of chaps (27/11/15) and £215.25 refund of commission charges to date! So now I'm confused, emailed FOS asked them when I accepted Barclays offer considering I haven't seen final decision. Email back saying decision hasn't been made yet! So called bank asking where they got info from that I had accepted their offer. Got told some woman would call me back as she's the one who's been dealing with this. Surprise surprise, she didn't call back, original guy called back and said because it's was with FOS I had to refer to them. Emailed FOS again and asked who had given bank this figure and said something smells here. Reply was its just a misunderstanding and wording used may be standard. This morning I get email from FOS saying bank decided to refund commission due to provisional decision and FOS didn't inform them I had accepted any decision. Phew! There's something going on here and I'm not liking it, so my question is ... Under freedom of information act can I request all correspondence between FOS and Barcalys. I will wait till I hear final decision but after that I want to find out who's been saying what and to who. Hey ho and on it goes.
  12. How depressing is that, no matter how honest we as customers are, the bank can run roughshod over you and the FOS just goes along with it. Well I'll wait and see what they say and then I'll make my mind up whether to take it further.
  13. I agree with you somewhat Uncle B but because the letter stating i had this extension was actually written by a woman who signs herself off as Decision maker, how can she be so lazy not to check her facts. This letter is dated january this year. I would have said that this was clearly devious. Also, they have not deviated off this course and them apologising does not cut it anymore. i will wait and see what the Ombudsman comes up with and what their decision is. Agreed, all payments from my account bar one (the 9 quid that was a delayed payment on their part - i paid for the item on 20 November with my debit card)are standing order and of course the interest they have charged.
  14. One small victory achieved. received an email from the adjudicator last night informing me that Barclays were "Inaccurate" in insisting they had given me an extension of 6 months. Thanks Uncle B for the 3 questions - they couldn't carry on lying so they've just said it was inaccurate - strange word for Lying in my book! Barclays still want to give me 100 quid - quite delusional the lot of them. Unfortunately for them, they actually put in writing they had given me a goodwill extension and have kept to that story for the past 5 months. Im not impressed with the adjudicator because even he believed them and said it wasn't relevant. well shame on him. If Barclays had admitted their mistake immediately and done what they were meant to do none of this would have happened. I completed everything i was asked to do and I'm meant to accept their inaccuracies - i don't think so! So now onto the Ombudsnman (thanks slick for the suggestion) and lets see how many more excuses they can make for the bank and for their own staff. Onwards and upwards
  15. Yes you're right, if barclays had gone through with the closure of my account and repaid the charge of 25 quid on the same day - i phoned the number given and they refused - told me to call the next day. I would have been 1.50ish in credit, instead i was in debt to the tune of 23.42. Barclays then proceeded to take 200 quid every month starting from December (i was told my account was closing and no other transactions would happen after 28 nov) for a standing order to barclaycard. I phoned barclaycard and asked why they hadn't taken the correct amount of money from my new bank account and their answer was because barclays was still sending them money. mentioned that to the FOS and mentioned also that barclays was forcing a closure on my account but in their guide it made no mention of cancelling standing orders, all it said i had to do was inform recipients of change of bank. Does everyone remember what they did 20+ years ago - thats when i made the standing order and to be honest because barclays was forcing a closure they should have added that it was down to me to stop standing orders, they didn't and they never mentioned it was up to me until letter arrived in Feb and this is when i got all this crap about extensions etc.. Im not out for huge compensations but why should i have to pay for their mistake and i think they should just write off the overdraft of 1000.00. barclays has cancelled the standing orders themselves now yet last month barclaycard took the 200 from my new bank account and took 200 from Barclays!
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