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uptoneck

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About uptoneck

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  1. I thought I'd better give everyone a quick update. I've now closed my current account at Barclays, and opened two basic accounts with other banks - ones I don't owe money to. I'm going to use one account to handle payments (standing orders and direct debits) to creditors, and the other one for everything else. It seems a bit strange not having this account with Barclays anymore, as I've banked with them since I was a student. I was going to leave the account open with a zero balance just to p*** them off, but decided against it. My company still has an account with them, but not
  2. Did this case go to court? What was the outcome?
  3. This seems to be their latest tactic as they have done it to me, and several others on the forum. They claim it's their legal right, but they decline to say what legal statute they are using. Their new T&Cs http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm emphasise their right to do this, but they don't come into effect until October. You may have some recourse to the FOS if (say) it's a joint account and the BC is just in your name This site has more details: banking: firms' right of 'set off' A new account (with a bank you don't owe money to)
  4. Barclayshark have just done this to me, too, and plundered the entire contents of my current account, even though the Barclaycard is in dispute! This would seem to be their latest tactic. The revised T&C's they sent out with the July current acount statements emphasise this, but even though the new T&Cs don't come into effect until October it would seem Barclays are jumping the gun and applying this now. When I got into financial difficulties last year I sought advice from my local CAB who assured me that Barclays credit and banking arms are separate and never work together.
  5. I'd be interestred to know how you managed to do this as I'm having a torrid time with them at the moment. They've just embarked on a new tactic - siphoning money out of my account and only telling me about it afterwards . See my thread at http://www.consumeractiongroup.co.uk/forum/barclaycard/164727-uptoneck-bc-visa.html#post1771226
  6. There's been an important development regarding my Barclaycard Visa account. Please check out my sister thread at http://www.consumeractiongroup.co.uk/forum/barclaycard/164727-uptoneck-bc-visa.html#post2339211
  7. Many thanks, very welcome advice. I hadn't thought about the co-op, but will check them out on-line today. The only trouble is, I'm going to have to have some direct debits on whatever account I set up as payment plans I have with other creditors (notably Capital1 and AMEX/RMA Regain) require a direct debit, and I don't want to p*** them off again. My car insurance is paid by DD as well. Thankfully that went out the day before Barclays cleaned me out. I can't afford to fill the car with petrol when this tank is empty, so I don't know how I'll be able to get to work towards the end of this
  8. Received this very unwelcome missive from Barclaycard today. The [email protected]$tds have completely cleaned me out and taken the entire contents of my current account. I now have NO MONEY AT ALL and cannot pay any of my bills: rent, electric, gas, insurance, other creditors anyone! Apart from change my bank - which is going to be difficult with my poor credit (Nat West turned me down) not that I have any money anyway - what can I do?
  9. If 1st Credit have bought the debt, they probably only paid 10p in the £ or so for it, so offering them £500 for a £5k debt is a good place to start. Stress that if you were to take out an IVA, this is the sort of figure they would get and it would be spread out over several years, so at least they would be getting it all in one go. Most likely they'll reject the offer to try and squeeze more money out of you by coming up with a F & F figure of their own, you'll then just have to nogotiate a compromise figure, but I've heard other people say that 20-25% is the sort of thing they'll g
  10. Hi ToxicWaste, Welcome to the site. Personally, I wouldn't touch a claims management company with a barge-pole. I'm sure a lot of other people on the forum share that opinion. You can find all the information you need here for free (although a small donation now and then doesn't go amis ). Get your friend to act on his mother's behalf and log-on here.
  11. Thanks. I already had a payment plan set up with 1st Credit to begin with, so if they do start giving me any s**t I'll just quote them their previous reference number - and drop the unenforceability bombshell. They don't know about that one yet . As I thought I had reached an arrangement with CapQuest (as 1st Credit confirmed they weren't handling the account) I decided to hold fire on giving the OFT the go-ahead to take things further. I shall light the touchpaper on that one now.
  12. Latest missive from crapquest arrived today (dated 20th Jun. Hmmm. Didn't think they worked on Saturdays) I'm not going to do anything.
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