Don't think so. You have the words round wrong way. I have seven closed accounts which have never been defaulted and have settled against them. But one, the Barclaycard has satisfied where I met difficulties. All of the six have OKS against each month then ST at last month. Barclaycard also has ST at last month after all OK's then satisfied. Their letter said settled

Thank you Andy. That's exactly it.the actual qot in letter is as follows; "As your account balance is now zero, I have arranged for your credit file to be updated to reflect that the account has been settled in full as of today's date" So they then put satisfied on to my credit file. I accepted their letter saying words settled, but would have rejected the words satisfied. So should I complain further and to whom?

I had a barclaycard with ceiling of about 250, of which I had used 200. Then in December 2008 my wallet dropped out of my pocket on bus journey. Within 30 minutes at home I realised this. Included in wallet was barclaycard. I immediately phoned them giving notice of my loss. I was told to email and write letter. Thus I did again immediately. Then silence. No contact from barclaycard. I had set up direct debit with my bank to pay the minimum amount that barclaycard informed them of. Statements came in within period of time with interest added, the amount owing went over 250 so additional charges were added. All the time minimum payment was made. The amount owing grew larger and larger until it reached 750? I cancelled the minimum payment order since I had counted that I had paid about 400.. I the wrote letter last summer outlining that I had had no contact from barclaycard despite writing the above letters and two other additional ones. I received letter from barclaycard apologising and offering me cheques for 50, cancelling all the other charges, and also stating that my account would be "....settled in full as of today's date". I thought this was acceptable . However barclaycard have put the title 'satisfied' on my closed account with them and thus satisfied has reduced my credit score. I wrote to them and complained but a different representative replied refusing to use the words that I had accepted. I would not have accepted their closure had they used the words 'satisfied'. What should I do? Raise concern with Financial Ombudsman?. They have replied that they sent me letters and also replacement card. I never received any such correspondence.

Yes. It was two weeks before Christmas. I was spending Christmas in Ireland and had to go there without my normal bank card. When I came back in the new year I received a replacement bank cards but there was nothing in mail from BC. I will send another letter today requesting SAR and hopefully that will contain the email and copy if the letter

six years ago I lost my wallet containing amongst other things a Barclaycard. within hours I had telephoned and emailed banks including barclay card / got email, back from them telling me I had to write and inform them that way. my balance was about 200. Didn't get any inform from them but noticed my monthly charges, were being constantly added. I was paying minimum amount by direct debit. Until last year when I stopped this payment. The account was now over 700 and they say its now been passed to westcot. what should I do? write and ask for SAR showing email and phone call and letter informing them of my news to them?

Got two new upgrades in September last. They were to be on same tariff as the previous ones. First bill comes in £189. Thinks - that's a bit much , but hey I was in states and did make a few calls using phone. The next month it is £173. No way. Looked at their web site and got email address where I wrote that tariff was not correct and if it was so, then they could have the phones back. The next month was £164 and now I have just had message that next is £158. So they never replied to email, so phoned up their representative in India. Normally this puts me off but I wanted to talk to human. Told him if the tariff was correct then phones are going back and they could take me to court if they liked but I would advertise that they had altered my previous contract. Wee lad looked and said I was in Ireland etc etc. I told him that was normal but it shouldnt put my bill up that much. Then after 5 minutes on hold he came back to tell me that their computer had made mistake. I was being chraged for contacting all TMobile numbers and I should not have been. He ordered review and recalcualtion of my bills. I looked at bills on previous contarct and lo and behold I was getting charged there also. I know I am lax in allowing them to take monies from my account. But this is poor and if I had not complained to cancel no one would have looked at account. SO MY ADVICE TO AL ON TMOBILE CONTRACT IS TO INSPECT AND PHONE AND ASK FOR RECALCULATION OF ALL ACCOUNTS.

Many congratulations Mike. Thank you for restoring a wee bit of sunlight for this year. Would this same argument apply to credit card charges. Remember when OFT gave out their report on credit cards, the identified costs were much less than the window of opportunity that OFT gave to credit card companies of £12. Lo and behold all adopted this figure in a rush. But what is the actual costs. Back to same argument. Thus would the case being formulated by GLC be similarly appropriate to other charges?

Delivery Information Deliveries All prices include all delivery costs including taxes We aim to deliver all gifts (all year round) within 5 working days of receipt of order All prices quoted include "Standard delivery" and are made during working hours (between Monday and Friday, excluding Public Holidays), therefore please consider sending to a work address if applicable Delivery is not available to a PO Box Orders will not be despatched until payment is received in full We will not be liable for any re-delivery costs if incorrect address information is supplied. Re-delivery will incur a redelivery cost equal to 25% of the total hamper price and will need to be accepted and paid for prior to any redelivery. We will not accept liability for any loss or damage arising from items lost, stolen or damaged after delivery has taken place to an incorrect address. In the event of non-delivery or damage caused by our error, we will make a replacement delivery as soon as possible after receiving advice of the problem or provide a full refund to the sender. Christmas Deliveries and Orders Orders for pre-Christmas delivery to Australia, New Zealand, Canada and USA must be received prior to Friday 7th December 2009. Orders to the U.K and other countries can be received until Wednesday 14th December 2009. All "Christmas" orders are delivered between 5th - 24th December.

Matter resolved as per the attached response. Many of the 'advisors' are too far up the spines of their importance, that they fail to appreciate the best way forward. Dr xxxx, Thank you for your reply. I fully appreciate your frustration at the lack of pre-Christmas delivery and disappointment at the hamper not being received. To this end I think it is completely fair to offer you a refund which has now been processed and will be credited to the card by which you made the payment. I apologise for this issue and I can assure you the general points raised will be picked up with our supplier. Kind Regards,

Goods were delivered and in phone call when placing order was told they would be deliverd before Christmas. If I had been told they would be delivered in a Christmas period over several weeks I would not have placed the order. The newspaper employee confirmed that was in sufficient time for the order to be delivered.

I used the advert in Scotsman newspaper to order a Christmas hamper at the beginnig of December. It advertises 'No Packaging; No, Postage; No worries'. At the bottom of the advert it said ' Oders for Christmas delivery close on Friday 4th December 209 at 4pm' My order was placed on 1st December. This was to be the first Scottish Christmas prersent for my new daughter in law on her first Christmas married to a scotsman. When I phoned my son on the evening of 23rd December, he had not received any present, so just after 9am I phoned the Scotsman and the girl there looked into it and phoned back to say the company delivering the hampers was Australian and they were not answering their phone. I pointed out that they were in advance of us in time and hence they would be closed for their hols. She said if it wasn't delivered on Christams day I was to phone them. I did so on 28th December and was told the girl in charge wasn't in the office and she would send me email about the non delivery. My son had received a postcard on 24th saying parcel would be delivered within six days. Even that deadline wasn't kept and hence my daughter in law who works in hospital in Nashville was going off todo voluntary work in hospital in Kenya for three months, missed the eventual delivery of this present. I contacted the scotsman and today received reply saying they had issues with their deliveries due to bad weather. My view is that I should be given full refund of my monies as they failed to deliver present and missed Christams by nealy two weeks and in fact caused me considerable worries, not to say the constant telephoning to ascertain where the package was. The package conatined goods manufactured in Canada and delivered by and Australian company. The goods were described as 'US Scottish Luxury' . The ingredients were all scottish known brands like; Baxters; Robertsons; Walkers. Can anyone offer advice?

power to the elbow. thank you for this far, but remeber the spider in the wallace cave. we shall overcome

Given that the EU directive relating to unfair terms came into force on 1st January 1995, surely the banks have been operating outside those regulations since then. I opened an account with bank in December 1995 and when in 2007 I sent off request for SAR, lo and behold within the piles of paper were four statements relating to 1996 and in three of those months 'charges as notified'. So if this bank were able inadvertently to send me those statements, surely then remainder up to 2001 are alsoo available?

well done you are an inspiration

Well done Tom. Ihave ben watching your site for some time friom the beginn9ing in fcact and w e all wish you the best. Let us hope that the judge understands the inequlaity of the business acumen of financial institutions in such matters.