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scarlet

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About scarlet

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. Hi Slick, My internet connection was playing up at the time so I filed before seeing your response so it was too late. I wished i had seen it but its too late now. Thanks for your time anyway.
  5. I will be interested if Barclaycard will put in a defence. I issued them a N1 on 6th April and they defended 9th April. My claim is for two missed payment markers to be removed as they were given to me on a zero balance. I am surprised that they are defending it as I didn't owe them anything. I am waiting for their defence documents to be sent to me. Can't wait to see your outcome.
  6. Well I had enough of Barclycard so I filed a N1 against them for removal of two missed payment markers and damages including court costs £75 and postage etc.... They were served with the papers on 6th April and replied back to court on 9th with defence of full claim. I cannot wait until the day I go to court. I have paper evidence that I did not owe anything for the two months yet they still think they are in the right. I don't expect to win damages for the stress caused as I believe you have to have financial lost and I haven't but I want my credit file cleared. I want my day in court to
  7. They gave me the £125 just as a Goodwill gesture as in my letter I had told them how stressed I was with their error. However in their reply to me they said that they were crediting the credit card with the £125 but they did not mention my complaint or the bad credit they have put on my name. There is no bank charges involved in this case.
  8. I have requested in writing twice for my credit file to be amended but they seem to think the £125 is sufficent and will not discuss the incorrect late payment marks against my name. Can I now file a N1?
  9. Hi Slick, Yes the credit file shows that I missed two payments. There is no mention of default so I suppose it can't have defaulted. However I really need to clear that as technically I didn't owe anything therefore I never missed any payments. I have previously claimed for recharges which I got back in 2006 (about £100+) and they took off the last two late payment charges in the end. I have sent two letters asking for my credit file to be adjusted and they have ignored me and just offered me £125 as goodwill. What I would like to do now is take this to court but I don't know what the ne
  10. I received a letter last week from Barclaycard. They have not apologised and they did not mention any defaults. They have just put £125 on my credit card. I have not used the card since I paid it off. They say it is the final response. What do I do now? How do I get them to remove the defaults. I have already threatened court action so could someone please tell me what I can do. thanks
  11. Advice needed please? I had a very large amount on two credit cards which I could not pay. I didn't know what to do so I went to my mortgage company and they agreed for me to take out a further loan against my house. This has helped a bit but still I find it hard to make my monthly payments. I have been reading the threads on here and I don't really understand what we can gain from asking for a copy of the CCA. These cards must be 10 years old. If you are successful against the bank because the CCA is not valid do they clear the whole debt on the card or just the charges? Where would
  12. I got worried so paid the £15 however just rang Barclaycard and automated service said I still owe £15. So spoke to an advisor who told me that card was in credit of £15 and ignore the automated service. Still not sure who to believe. I had to consolidate this original card debt of 8K with a loan so I thought I would be able to sleep at night. Wrong!!! Thanks for your advice I will write a letter this weekend.
  13. Please can somebody give me some advice? I paid off a large barclaycard bill in Oct however the next bill I had showed an interest balance of £84. I rang Barclaycard and they apologised and said even though I had paid the whole bill off I still owed the interest which would show on the next bill. I was lucky enough to argue it and they removed the interest, or so I thought. The following month I recieved another bill with interest of £100 a late payment charge of £12 and a default as I missed a payment. I went mad and rang again after a lot of arguing and explaining they apologised again and
  14. thanks for all your replys. The latest is that we have found someone to do the body work who is reasonable and we have decided to not claim through our insurance. However I will be seeking reimbursement from Tesco Supermarket as my insurers have said they probably would have supported us if I had photographic and cctv footage. Therefore I will be writing to Tesco with the evidence I have and requesting footage if any. It is worth a try.
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