Hi, I am looking into the possibility of reclaiming the PPI paid out on a barclayloan. The loan was taken out in Feb 2004 with the last payment being made in Jan 2011. I have the original copy of the loan agreement which states that the PPI including 'total charge for credit' (assuming this means interest) is just over £5000. Am really not sure where to start or even if I have a valid claim so any advice would be greatly appreciated. Kind Regards Wibble

There is no direct debit... Barclaycard have taken the money from my personal banking account with Barclays without either party informing me (well until it appeared on my statement).

Hi there, I have written to Barclaycard and Mercers requesting a copy of my signed credit agreement. To date I have received an application form that certainly does not cover the terms of the CCA 1974. I have made further requests following this but never get a reply... Recently Barclaycard have started taking money directly from my Barclay's Bank account despite being fully aware of the above dispute. I have contacted both Barclaycard and Barclays by phone to get the money they have stolen refunded to me. Barclays refer me to Barclaycard and Barclaycard refer me to Barclays. I have informed both parties complaints sections that they are in breach of the CCA 1974 but they either refuse to answer this and terminate the call or pass me onto another section when I have to explain everything again only to have my call terminated or to be put through to another section and so it goes on... I have emailed the Financial Ombudsman and Trading Standards yesterday regarding this advising of all dates, times and names of the people I have spoken with and sent letters to etc. However I need to stop them taking money from my account ASAP as like everyone else I have rent and food bills etc that have to be paid. Any help would be greatly appreciated. Regards Wibble

Hello, I have come home and checked my online banking to find that Barclaycard have debitted money from my account. At no point have I given them authorisation to do so... I have contacted my bank (Barclays) to confirm that it is Barclaycard who have taken the money and they have confirmed this. Furthermore when I explained the query they passed me onto Barclaycard. I have spoken with someone at Barclaycard and asked why they have taken money from my account despite having no authorisation to do so. The person I spoke with stated the money was not yet with them so he could not comment... I advised that this must be fraudulent and took his name advising that I may be contacting the police. Are Barclaycard able to withdraw money from my account without authorisation while the account is in dispute? If not how do I go about recouping the money they have taken and which authorities are to be notified? Any help would be much appreciated. Thanks Wibble

Thank you Slick. I shall follow your good advice.

Hello again, I have followed up the previous with a new CCA request to Mercers on the 19th December 2007. Have yet to receive a response... Until today. Mercers today have posted a card to me advising they will be attending my home address on the 31st January 2008 between 31 (yes they actually put 31 and no time). They have also called me at work today despite me never providing them or BC with my work number. Somehow they managed to get hold of my direct telephone number at work. However Barclays (whom I bank with) probably do have my work number... Is this legal? Are they able to obtain a work telephone number via a 3rd party and contact me on it? Where do I go from here? They have failed to respond to my letter and have now decided to trace my work details and harass me by phone there. Any ideas are most welcome. Many Thanks Wibble

Hi there, I am pretty new to all of this and am after some general advice really... At the moment I am being hounded by Barclaycard and their hired goons Mercers. I have requested a copy of the signed Credit Agreement from Barclaycard but they have only provided me with a copy of the application form. I have yet to follow this up with a letter. Furthermore I have recently had a delightful conversation with a less than pleasant lady at Mercers (after over 100 missed calls in a 3 week period). I eventually terminated the call after going round in circles and finding that while I was answering one question I was being asked another so was getting nowhere. I did manage to squeeze in that any further contact must be in writing. Anyway back to the point... Is there an ideal follow up letter to only receiving an application form and not a signed Credit Agreement? Or even one perhaps criticising the manner of whoever called me and/or the sheer volume of missed calls? Further to the above has anyone else been down this route with Barclaycard? If so I would love to hear how you got on or are getting on... Thanks for your time Wibble

Many thanks Scott, much obliged.

Hi there, I am pretty new to all of this and am after some general advice really... At the moment I am being hounded by Barclaycard and their hired goons Mercers. I have requested a copy of the signed Credit Agreement from Barclaycard but they have only provided me with a copy of the application form. I have yet to follow this up with a letter. Furthermore I have recently had a delightful conversation with a less than pleasant lady at Mercers (after over 100 missed calls in a 3 week period). I eventually terminated the call after going round in circles and finding that while I was answering one question I was being asked another so was getting nowhere. I did manage to squeeze in that any further contact must be in writing. Anyway back to the point... Is there an ideal follow up letter to only receiving an application form and not a signed Credit Agreement? Or even one perhaps criticising the manner of whoever called me and/or the sheer volume of missed calls? Further to the above has anyone else been down this route with Barclaycard? If so I would love to hear how you got on or are getting on... Thanks for your time Wibble