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samcam

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Everything posted by samcam

  1. I'm only £35K in debt with no chance of ever paying it back and feel like topping myself on a regular basis ..... But this poor guy must have been ripped apart inside. It's disgusting what these scumbags do to people
  2. samcam

    Success!

    Not sure if this is the right location for this thread, but please move if need be. After neearly two years of letters and complaints to Barclays and the FOS I finally have some good news. The missold PPI on my Barclayloan has been returned. The remaining amount removed from te outstanding loan and all the payments I made returned to me with 8% interest (total nearly £1.5K). ALSO, the missold PPI on my overdraft has been returned too! 15 years of little payments when ever I went overdrawn soon add up and with 8% on top Barclays have repaid me nearly £2K!! If anyone has o
  3. Hi Redfish, No, I got it from a SARs request. My CCA requests (many of them) have only ever turned up unsigned T&Cs. This has been going on for a while. I have other threads on here too. Main one here:- http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162487-hello-newbie-need-lots.html
  4. Can I have your opinions on what you would do here? I never signed an actual credit agreement, just the AF. But the FOS want a response and I don't know what to do for the best. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/245250-cca-1974-2006-updates.html#post2841184 cheers, samcam
  5. So, once a year all they have to do is send you a letter reminding you of the debt and the 6 year clock restarts? What's the point of that!?
  6. OK. I wrote to the FOS again say that this wasn't a credit agreement and it wasn't enforceable, blah, blah. They just wrote back saying yes it is and also, even if it wasn't, they take the view that "you borrowed the money, now you have to pay it back". They're not interested in paperwork or little things like "the Law". They contacted Barclaycard and made an offer on my behalf even though I specifically told them I didn't want to make any offer of payment to them! BUT .... Barclaycard have agreed to let me pay £1 a month for 6 months with no interests added. Then if I go throu
  7. I have a complaint about the FOS. They are not interested in anything we say!! They sent me a copy of an application form that Barclaycard had sent them. I wrote back saying "sorry, this is an application form, not a credit agreement". Their response was "it has Credit Agreement written on it, so it must be a Credit agreement". They also say they don't care if we have an agreement or not! Plus, they say it's for ME to prove the debt is unenforceable, not for Barclayshark to prove it IS enforceable. They suck! See my threads here. Any advice greatly appreciated:- ht
  8. I sent a letter to FOS stating that this wasn't a credit agreement and was unenforceable. There response was that because it has "credit agreement" written on it that makes it a credit agreement! Also, the FOS don't care if there is a credit agreement or not! Here's there letter:- http://www.campbellphotographic.co.u...etoCCA0001.jpg
  9. I sent a letter to FOS stating that this wasn't a credit agreement and was unenforceable. There response was that because it has "credit agreement" written on it that makes it a credit agreement! Also, the FOS don't care if there is a credit agreement or not! Here's there letter:- http://www.campbellphotographic.co.uk/images/FOSresponsetoCCA0001.jpg
  10. Hi Everyone, I've done a lot of reading on here and I'm pretty sure the application form Barclaycard sent me as an "executable agreement" is totally unenforceable .... but would really appreciate your opinions. My thread is here Cheers
  11. Hi supasnooper, This is what I was sent:- http://www.campbellphotographic.co.uk/images/application0001.jpg Yes, that's how clear it really is! At the bottom by my signature I think it says "This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign only if you want to be bound by its terms". Nothing else is really ledgable and there are certainly no Prescribed Terms or APRs, interest rates, etc. Just because it says "Credit Agreement" by my signature, does that mean they can enforce it?
  12. Hi, Not sure if this is in the right place, but .... I complained to Barclaycard about Harassment, etc. brief details here They ignored me, so sent it on to the FOS. The FOS said sorry apart from the OFT and CCA breaches nothing else in the complaint (i.e. harassment, threats, etc) has anything to do with them. So ... who are we supposed to complain to about harassment and threats, etc?
  13. Not sure if this is the right place to post this, but could do with a little clarification. ----------- I had a card with Barclaycard since 2000, which for various reasons I've been unable to pay. BUT .... I never signed a credit agreement with them - only an application form. At the time I took out the card, it would have been regulated by the Consumer Credit Act 1974, which we all know has section 127, sub section 3, which basically says "if you never signed a Credit Agreement, there's nothing the Banks can do about the debt and the courts can't help so **** off" .... or wor
  14. Great, just got back from shopping and we've had a late post. FOS has sent through the sign "credit Agreement" ............ It's a copy of the original Application Form!! HAHA. Not only do I already have a copy of this ... it's completely worthless in terms of enforcement. Yipee!
  15. Well, FOS finally responded to me about my complaint to Barclaycard I sent Barclaycard a complaint which they ignored, so sent it on to the FOS. FOS say, sorry apart from the OFT and CCA breaches nothing else in the complaint (i.e. harassment, threats, etc) has anything to do with them. More worrying is that the guy I spoke to at FOS says Barclaycard have provided him with a signed copy of my credit agreement:!: I don't remember ever signing one and for 2 years I've been trying to get one from Barclaycard simply because I was sure it didn't exist. now apparently it does. BUGGE
  16. Just got the same response from ICO. Claiming that the banks told them 6 years is "industry standard". Not good that the banks are basically now telling the ICO what to say - so what's the point of ICO!?
  17. GREAT, just in time for Xmas - Barclayshark have now passed my account to Wescot, who have given me until 31/12/09 to respond - letter arrived yesterday but was dated 17th!! Round we go again! Merry Christmas everybody!
  18. Thanks guys. Pretty much the answers I was looking for. As my wife and I are both now unemployed we wont agree to a new loan, 'cos we can't! We have no income. That's why we want a settlement figure. We'll beg borrow or steal the cash from family and sell our possesions to get rid of this debt, but want any offer to be as low as possible. I'll let you all know how it goes. Cheers for now.
  19. I took out a Barclayloan in June 2006 for £14K with added PPI of £5K (plus interest!). This was mis-sold (I'm self employed, they basically forced it on me). The FOS have been dealing with this and have agreed I was mis-sold the PPI and Barclays have to make an offer to take it off, etc. BUT ... They have said:- pay the consumer, the amount of the NET payments the consumer will make up to the time of settlement in respect of the PPI (including any interest and charges) by comparing: the payments actually made; the payments which would have applied if the consumer h
  20. yes, but I want interest on that money. I could have put it in a savings account! so they should have to pay extra! The 8% is compensation, that doesn't count
  21. OK, FOS have been dealing with my mis-sold PPI on my Barclayloan. They have agreed I was mis-sold the PPI and Barclays have to make an offer to take it off, etc. BUT ... They have said:- pay the consumer, the amount of the NET payments the consumer will make up to the time of settlement in respect of the PPI (including any interest and charges) by comparing: the payments actually made; the payments which would have applied if the consumer had taken the loan without PPI; and add interest on each of these net payments at the rate of 8% per year SIMPLE from t
  22. Unfortunately, even given this information, Barclaycard will still simpy ignore you. http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/169837-ppi-claim-interest-barclaycard.html I had the standard response from BC and contacted the ICO directly. Even after I confronted BC with ICO response stating that their records DO form part of a relevant filing system they simply send the same letter saying it doesn't. I've made an official complaint to the ICO now about this, but don't know what it will change.
  23. Hi All, OK. Complaint about Barclayshark ignoring my Formal Complaint is now with the FOS .... PPI claim on Barclayloan is now with the FOS ... PPI claim on my overdraft is sent to Barclays ... will end up going to FOS when Barclays do nothing as usual. As to getting my signed CCA from Barclayshark I think I may have shot myself in the foot. I sent this letter:- Dear Sirs, Credit Agreement for Card Number: 4xxx xxxx xxxx xxxx I refer to the above matter and your failure to supply a true copy of a properly executed credit agreement. Your recent letter dat
  24. What about overdrafts? I have PPI on my overdraft with barclays which was forced on me - to have an overdraft with them you automatically have to start paying their "Overdraft Protection Insurance" - which is basically PPI. It's a condition of the overdraft.
  25. I'll try to jump on these in the next week or so and will keep you all updated as/if it progresses. Just so busy at the moment, this is all just another set of things on my ever growing "To Do" list .....
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