I have just received a charge that i forgot to pay on the 3rd Dec,dated 17th Jan the PCN. Reason being it has taken so long is that a new company now administer the CC from 1st Dec.

Hi,just wondering if anyone can shed any light. I work for a well known private company and manage sales staff all within Central London and who also live within the M25 boundary. With the high cost of living and working within London they receive a London Allowance of £2500 which the company hope will help keep staff by giving them the allowance. I also have the same high cost of working and living within the M25 but do not receive anything.When i challenged them last year via e mail was told verbally that this does not include managers. Can they legally do this as i feel they are discriminating against me ? Thanks

Best just don't talk on phone tothem. Can anyone help ? I got a settlement figure from Wescot and paid up.Part of my conditions was that my credit file was updated to show that the account was showing as settled.I have this in writing and also a letter from them saying the account was settled. They have not updated my credit file with what was agreed.Instead it shows this account was closed with £700 owing and shows the account is still in default instead of settled. Is it the Information Commissioner i write to ? Thanks

Great post Rock n Roll... My Barclaycard account was being handled by RMA (NCO Europe) who i found out were creaming £30 out of every £100 for themselves without me knowing.I was paying £100 every month without fail. After advice on here on how to handle RMA the account was eventually handed back to Barclaycard with an outstanding amount of £3000 who just simply closed the account and i have heard no more,9 months ago now. Has anyone got any advice on what to do from here ? It is just showing on my credit file as account closed with £3000 owing.Do Barclaycard give settlement figures ? I would like to come to some conclusion but not sure of next step. Thanks

Hi all wondering if anyone has any advice for me here.Basically i had a Barclaycard debt passed onto RMA collection 2 years ago,was around £4500.I was paying every month without fail £100 then found out RMA were creaming £30 of that every month. To cut a long story short after i CCA'd RMA and sent threatening letters to them with regards to the harrasment they were giving me, the debt was passed back to Barclaycard with a debt of £3000.I was quite happy paying every month until i found out RMA were ripping me off. After speaking to Barclaycard they said the account was yet to be passed onto another collection agency.Since then my credit file now says the account has been closed with a outstandind debt of £3000 which doesnt look good on my file. Whats best to do ? Just leave it and hope BC do nothing,it will still be on my file. Or do you think BC would accept a settlement.I am unaware they have done this before. Thanks

Just wondering if anyone can advise.Had a debt with Wescot for a credit card for a year when they said they would accept a payment of 60% of the debt. I managed to get in writing from them that they would accept the £800 as a final payment for the account and the account would be closed as settled and all records updated. I have checked my credit file and instead they have put a note on the account that the account was closed with £700 still owing and instead of the account showing as settled a default is now showing which wasn't there before. Is there any threat i can issue to them to update my credit file as they agreed to do instead of what they have done. Thanks for your help on this.Just trying to cleanse my file

Hedgey,cheers will do and send LBA. Does look quite complicated.Will do my homework and keep you updated. Thanks again

Hi ya,i'd never heard of it before. Found a few threads,it's a minefield.Just seeing if there is another Limitation Act template letter to send back to them. They recently paid me first time no problems for the last 6 years. Thanks for your help

Hi all wondering if anyone can help me.I finally received statements for my mothers Nat West account from 1993-1999 when they closed it after they had fleeced her. I am helping her claim back charges and today she has received a letter saying due to some Limitation act 1980 she does not have a claim and can only claim for the last 6 years. Has anyone else had a similar letter and if so any advice. Thanks

Follow up with this.......i did and my debt was returned to Barclaycard straight away.....Lets just say i don't think they were too happy...Loved it!!!!!! Dear Sir or Madam, I refer to my letter dated xxxxxx which was delivered via Recorded Delivery to your offices on xxxxxx. You have failed to acknowledge this request in any way, whether by confirmation of receipt of the letter or by supplying the requested documents. The documents I requested should be readily available as proof of your legal right to collect this account. In my letter of the xxxxxx I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment. In addition a full statement of my account should have been sent to me detailing all debits and credits to the account from the time RMA purchased this account, along with any other documents mentioned in the credit agreement. You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, as defined under Section 189 of the CCA 1974. The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, your company commits an offence. These time limits expired on xxxxxx and xxxxxx respectively. As you are no doubt aware, Section 78(6) states: If the creditor under an agreement fails to comply with subsection (1) - (a) He is not entitled, while the default continues, to enforce the agreement; and (b) If the default continues for one month he commits an offence. Therefore on xxxxxx this account became unenforceable at law and no further payment will be made by myself to the account, as you have failed to comply with a request for a true signed copy of the said agreement, and other relevant documents mentioned in it, and failed to send a full statement of the account and failed to provide a true copy of the Deed of Assignment, under the relevant sections of the Consumer Credit Act 1974. Further, I do not acknowledge any debt to RMA. I require the following action from RMA : 1. All payments made to date to RMA for this account should be refunded in full, including interest at the rate of 8% per annum. 2. Removal of all defaults entered by RMA. Note this is to be a complete deletion and not merely an amendment. 3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years. 4. After a full refund of all payments with interest and compensation are received by me, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group. If you do not respond positively to my request, court action may be taken under Section 14 of the Data Protection Act 1998 to force RMA or any other company within the group to comply with the refund of all monies paid, removal of all defaults maintained and compensation for damage and distress as a result of unlawful data processing. I may also pass the matter to the relevant enforcement authorities including, but not limited to, the OFT, the Information Commissioners Office, Trading Standards, the CSA, the FOS and my local MP. I look forward to your reply within 14 days to resolve the matter amicably. Yours faithfully, Cheers

Hi there,i had a claim for £2200 which they originally offered £1100 but i refused.The same as you they said they would take off my outstanding balance which is £2000.I replied accepting offer and to be paid into my woolwich account this week.We'll see what they do. They also offered 100% of my claim for £1000 on another card account which is clear and nothing outstanding and said it would be deducted from an outstanding balance,strange when it is clear.I cleared the account via a collection agency.

Hi all,i sent a S.A.R for my mum for her account which Nat West closed in 1999.It was for statements for 1993-1999,Nat West's reply was that they do not hold any information brfore 2001 and cannot help her. Obviously reading the above thread that is not true,What should her next step be? Thanks

Hi all,in order to get RMA to stop hassling you,once they have not supplied the statements and CCA hit them with this letter.They will then return the account to the original creditor as they did with me and the harrasment will stop. Dear Sir or Madam, I refer to my letter dated xxxxxx which was delivered via Recorded Delivery to your offices on xxxxxx. You have failed to acknowledge this request in any way, whether by confirmation of receipt of the letter or by supplying the requested documents. The documents I requested should be readily available as proof of your legal right to collect this account. In my letter of the xxxxxx I made a formal request for a copy of the signed, executed credit agreement for the above account under Section 77(1) and Section 78(1) of the Consumer Credit Act 1974 and a true signed copy of the Deed of Assignment. In addition a full statement of my account should have been sent to me detailing all debits and credits to the account from the time RMA purchased this account, along with any other documents mentioned in the credit agreement. You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, as defined under Section 189 of the CCA 1974. The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, your company commits an offence. These time limits expired on xxxxxx and xxxxxx respectively. As you are no doubt aware, Section 78(6) states: If the creditor under an agreement fails to comply with subsection (1) - (a) He is not entitled, while the default continues, to enforce the agreement; and (b) If the default continues for one month he commits an offence. Therefore on xxxxxx this account became unenforceable at law and no further payment will be made by myself to the account, as you have failed to comply with a request for a true signed copy of the said agreement, and other relevant documents mentioned in it, and failed to send a full statement of the account and failed to provide a true copy of the Deed of Assignment, under the relevant sections of the Consumer Credit Act 1974. Further, I do not acknowledge any debt to RMA. I require the following action from RMA : 1. All payments made to date to RMA for this account should be refunded in full, including interest at the rate of 8% per annum. 2. Removal of all defaults entered by RMA. Note this is to be a complete deletion and not merely an amendment. 3. I look forward to compensation under Section 13 of the Data Protection Act 1998 to be offered for the processing of my data in the manner it has been done over the past number of years. 4. After a full refund of all payments with interest and compensation are received by me, you will be required under Section 10 and Section 12 of the Data Protection Act 1998 to cease and desist all manual and automatic processing of my data within your company and any other company within your group. If you do not respond positively to my request, court action may be taken under Section 14 of the Data Protection Act 1998 to force RMA or any other company within the group to comply with the refund of all monies paid, removal of all defaults maintained and compensation for damage and distress as a result of unlawful data processing. I may also pass the matter to the relevant enforcement authorities including, but not limited to, the OFT, the Information Commissioners Office, Trading Standards, the CSA, the FOS and my local MP. I look forward to your reply within 14 days to resolve the matter amicably. Yours faithfully, Cheers

Hi all,just wondering if anyone can help.I am claiming on behalf of my mum,Natwest closed her account in 1999.I sent off to Natwest for the statements between 1993-1999.I was under the impression that you could claim 6 years although it didn't have to be the last. Natwest have replied saying that they do not store copies of statements before 2001 and cannot help me.Can anyone let me know if this is correct,if not does anyone have a template letter to reply to them. Many thanks in advance.

Yasmin,can't beleive it's gone on so long.Just started reading tonight. I put a thread on today where EGG have offered all charges within 4 days but won't remove my default.I still owe £1600 half of which i'm getting back from them in charges. Wanted to pay EGG the remaining full amount in hope of getting DN removed. Looks like i'll have to take the money and fight to get the DN removed later. Good on you for keeping the faith so long. cheers