This topic was closed on 10 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

This topic was closed on 10 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

Hi all Trying to help a friend out and not sure what advice to give him. A few years back he traded in his Honda Civic and paid some cash for a 56 plate Golf Gti from a local dealership. This week he went to px the Golf for another car at a different dealership and they are saying that there is finance owing on the Golf it is in someone else's name and was taken out a month after he bought the Golf. It's with Black Horse and they won't talk to him as he's not the name on the finance document. Any idea's as to what he can do. cheers

Anyone have any advice on this situation?

Oh well it was just a silly thought pity there is no way of finding out cos it would really show what kind of people these DCA's really are.

Right have sent a S.A.R - (Subject Access Request) to Amex requesting copies of my statements because i know there are late payment fees on there and i'm gonna fire off a CCA to Allied, although i did try this with Newmans who were trying to chase me previously and they sent a very bad photo copy so maybe Allied will respond as well. Altho from what i've read about them on here about them maybe not. Edit just a thought when Amex reply to my SAR should it not include details of how much they sold my debt for? Just a silly thought but isn't that data regarding to me! Please feel free to shoot me down on this point lol

Just received a letter from these boozo's in which they have stated that a referral fee of £570.63 is included in the outstanding balance. A bit confused as to whether they can do this or not.? Is this not a unlawful penalty? Any help much appreciated.

Need a bit of help with Black Horse. Have a HP agreement with them for a car which i have fallen behind on and owe about£1200 in arrears. Sort of stuck my head in the sand about it because i was remortgaging and would have got the funds to pay off the loan in full but this fell thru, and now they have issued court proceedings. Stupid of me i know. From the documents they have sent the court i can see that i am only £200 or so short of having paid 50% of the agreement. They have also listed just under £300 pounds worth of Accrued Late Payment Interest and Fees. Now my queries are as follows. 1. Can i just pay them the £200 pounds to make it 50% and return the car to them. Or do i have to pay the arrears as well? 2. Can i stall the proceedings by claiming back the fees they have added claiming they are unlawful? 3. Is there anything else they have added like Acceptance fees and Purchase Fees that are considered unlawful that i could claim back. I can burrow the amount required on the Particulars of Claim to cover returning the car from my parents but really need more time to sort out another car. Any help and advice appreciated.

Just a quick question about maybe accepting a settlement from Barclays. Have just sent in my bundle to the 2 other parties and altho its a few days late i'm hoping that the judge will accept it. Anyway recieved a letter from barclays this morning stating that they thought my claim was weak and was destined to fail but they were willing to offer me a settlement. This figure falls about £200 short of the figure i reckon they owe me in charges about £400 short of the figure including court costs and about £600 of the figure if i included the 8% interest that would be applied by the court. Now i'm wondering what i should do. I'm not worried about going to court but if i could avoid it would be nice. Now would i be within my rights to negotiate with them for the full amount including court costs and maybe the 8% interest i would get if i won in court. Or does anyone think thats being a bit to cheeky. Now i'm pretty confident that i'm gonna win in court and this is just them trying to get out of going to court. Any advice would be appreciated.

Can anyone help me or at least point me to the correct thread on this forum Today i received a Notice of Allocation to the Small Claims Track (Hearing) for a hearing on the 22nd of december at southampton county court. Not to sure what i should be putting in my statement to the court and what documents to send with it. I would just like to make sure that i don't leave anything out. And present them with an easy win. Also as anyone else got to this stage with Barclays?

Been a bit busy of late so haven't posted regarding my progress with barclays. No real response other than the usual to my LBA so filled in the moneyclaim form and sent it off. Recieved a response saying they intended to defend. Their defense and the AQ form turned up last friday. Have filled that in as well and will post it off this friday when i get paid. Tho tomorrow i will phone them and see if they will negotiate a settlement because they seem quite willing to do this.

Just got a letter from the customer relations team. Saying my comments are receiving attention and a member of his team will contact me shortly enclosing a copy of their complants leaflet and thanking me for my patience. No mention of a time scale which some people have receivied. Gonna wait for my 14 day period is up and then send an LBA. Wonder if they are finally getting the message.

recieved a letter from cahoot telling me just what my charges are and saying that they have sent me this instead of providing volumes of paper that do not relate to my queary. what a cheek! Any way just sent the prelim letter asking for £595 back and the defalult to be removed from my credit report so fingers crossed.

Got my statements today and just been thru them. Bit disappointed cos it's only £1215 in total could have sworn they were taking money more often! Well guess i'm not as bad with my money as i think i am. Gonna post the 1st letter tomorrow and now the long wait begins.

oh and any spelling mistakes are mine not the banks unfortunatly. lol

Data Protection Act I refer to your letter dated 8 may, which was pasted to me for comment due to your request for certain information under the terms Data Protection Act("the DPA"). Please be aware that the bank is not under any obligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you shortly without charge on this occasion. In the circumstances you cheque is returned herewith. As regardfs your mention of "manual interventions", the DPA does not oblige the bank to comment about internal policies and procedures. Furthermore, in the context of managing transactions arising from out of order accounts the bank does not hold information you have requested in a form that would be coverewd by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally rrcord information in a way that ois caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention. Notwithstanding the above the bank is of course entirely willing to supply the general information that should be disclosed due to the DPA. To initiate the process Barclays will require payment of a £10 feee per individual which should be provided by cheque, payable to BArclays PLC, directly to this department. Upon payment of the fee(s) the relevant information will be supplied as promptly as possible. Blah blah blah Thats what they said and i don't really understand any of it lol

Got a letter responding to my DPA letter from a Mr Peter Townsend. Which i will try and post on here when i work out how to. Basically it says that they will be sending me copies of my statements free of charge but the library letter i sent them is a load of tosh. Is this a new response from Barclays or has everybody got this response.

Like i said in my other post in the Barclays thread what a great site this is. Sent my DPA request off to Cahoot yesterday by recorded delivery and they received it today. I don't think they owe me very much but they have put a default on my credit report because i refused to pay their charges so hoping to get that removed as well. So good luck to all.

Hi just wanna say what a great site this is. Found it at the end of last week and have been studying it over the weekend. Sent off my letter to Barclays for DPA yesterday recorded delivery and know it was delivered today cos i just checked so fingers crossed this is the start of successfully getting back all the money they have taken from me. It is a pity that you can only ask for 6yrs worth of charges because i have been banking with them for about 18yrs and hate to think what they have taken from me over that time. Wish i had listened to my mum about keeping all those statements nice and safe. LOL Anyway got another claim underway with another bank as well which is not for as much but has a default on it as well so hoping to get that removed in the end. Then its the credit cards.