Bump.

Hi noomill060 Should the SAR request be editted to include Goldfish & Morgan Stanley or is it simply enough to quote my latest Barclaycard account number? Assuming prompt reply this can be actioned asap. Many thanks

Hi noomill060, Have you got a good template for this. Also guess its a postal order and Recorded Delivery. I've had no communication with Calder so will send direct to Barclaycard at Northamption like the CCA request. Wait to hear from you and will action straight away regardless of snow!! Thanks

Hi noomill060, Re charges - Probably. Re Statements - I have no statements (other than Barclaycards 3mths approx) the original account dates to 1999-2001 area. Re SAR - Not yet, should I wait for CCA answer?? Re CCA request - last week. Re courage - the people on this forum help me be brave enough to take these DCA's, OC's etc on. (I still sometimes feel quite alone). Thank you so much!!!

Hi Everyone, Looks like a lot of us have CCA'd Barclaycard re ex Goldfish accounts, the clock is already ticking on my request. Mercer were a real pain to deal with and never seem to log any documents you send them and as you say quite soon you get passed on to Calder. Lets see what develops. Good luck to all.

Hi noomill060, No PPI as we were once self employed. Nothing from sharkleys yet just being bounced between Mercer and now Calder, same horse different skin, sent CCA request to Barclaycard, as yet no contact from DCA's since Christmas, apart from the daily phones calls which we ignore. I hope some of our debts can get wiped away! must be fun.

Hi noomill060, Some people have all the fun and rightly so. Well done!!!

Hi Gazza112, Just read your interesting thread, I'm starting down the exact same route so will keep watching your thread with interest. Good luck and keep it going.

What a relief !!!

Hi sosumi, many thanks for that, so nice you know I'm not alone.

Hello, I have previously started a thread covering some of the basics of our dealings with Barclaycard but now need to start a new thread as it looks like its going to be a long year. After 3 appointments with our local CAB, a Financial Statement was sent to Barclay customer Services who have completely ignored it and our offer of nominal monthly payments. This credit card is ex Morgan Stanley/ Goldfish and now its Barclaycard and is about 8-10 years old. Until recently we have been quite happy paying Goldfish x per month but Barlaycard have taken over and set Mercer onto us. Now there setting another inhouse DCA Calder onto us so where my wife was hesitant about sending in a CCA request guess what, yep its gone today all recorded nicely. So lets see what Barclaycard have brought upon themselves, the clock is ticking. I'll let you all know what happens next. Thanks.

Hello, I have previously started a thread covering some of the basics of Halifax/Blair Oliver & Scott but now need to start a new thread as it looks like its going to be a long year. After 3 appointments with our local CAB, a Financial Statement was sent to BOS who have completely ignored it and our offer of nomimal monthly payments and instead we have rec'd Notice of Intended Court Action Halifax Against deepdebt Sum Claimed XXXX Due buy month end. Acount number xxxx xxxx xxxx xxxx Formal Notice is hereby given that our client has instructed us to commence court proceedings against you without delay. Papers are now being prepared etc etc. Well as you can imagine, where my wife was somewhat hesitant about sending a CCA request this has now spurred her into action and yes the above letter has resulted in a CCA request being despatched today!! Is there anything else that can be done, the credit card is about 8-10 years old and had 300+ worth of fees and charges applied out of the blue last year by the Halifax after having run the account with interest etc frozen for 4 years +. Thanks

Hello, I have previously started a thread covering some of the basics of Halifax/Blair Oliver & Scott/1st Credit but now need to start a new thread as it looks like its going to be a long year. After 3 appointments with our local CAB, a Financial Statement was sent to 1st Credit who initially accepted our offer of nominal monthly payments but wanted them paid by Direct Debit. Since however we have sent a CCA request last week and this week we rec'd something like this:- 'The document you have requested is retained by our client (Halifax). We will therefore advise them of your request and arrange for the document to be sent to you as soon as possible. They then go on a bit about Deed of Assignment - we would refer you to section 136 of the Law of Property Act 1925 which provides that the debtor is notified of assignment of the debt in writing and not a copy of the Deed itself. Finally 'On receipt of the copy agreement we would expect you to contact this office immediately to arrange settlement of this debt. Bit of a drone but guess its a standard letter, can someone confirm please. Clock ticking on CCA request!

Hi, I read with interest, my MS card was sold onto Goldfish and then sold on to Barclays who have their in house team Mercer on the case. Have recently CCA'd them so lets see if my experience is like your. Thanks

Hi fellow gaggers, Talk about 2 birds with one stone or to be precise 2 huge media companies bringing to the public domain one major problem, DCA's needing more regulation. What with Sky reporting on 1st Credit and tonight with Watchdog its been a good day of slagging down these and the DCA industry as a whole. I see CCCS made it into watchdog, its a real shame that CAG was not represented. Still hopefully CAG time will come. PS. Classic template BBC - Watchdog - not worth the visit.

Hi babybear39, Thank you for your reply. I didn't like the sound of paying by D/D either. If I continue to pay its by P/O only, however they have since signed for my CCA request so I guess their offer will be withdrawn and another threatogram will follow shortly. I'll keep you posted.

Hi noonill060, An interesting read, well done for sticking at it! Can't believe it all started with a simple SAR. And well done to SP for the support when most needed. Enjoy your well earned reward.

Bump

Hi Dorabell, Excellent posting, its about time these DCA's were put into the public domain with their under handed practices. 'tightening of regulations' if it happens won't be a minute too soon! Keep up the good work.

Hi fellow gaggers, Latest news! Received letter where they agree to accept nominal payments by D/D and I quote 'Please note we may be able to offer you a discount for a full & final payment'. The letter is dated before they signed for the Recorded del. of our CCA request?? Are they giving up before the fight??? comments please. Thanks I'm thinking this has gone through too easy

subbing. Great work, thank you.

We are the easy targets! The big guys can defend any actions so lets pick of the little guys again!

I agree with sosumi, lost my vote to, the final insult.

Thanks babybear39, Yes your right, its been explained to me the CC Judges cannot set precedent and that this is reserved for the higher powers. The verdict is flawed and should be referred to the High Court. I think its becoming increasingly clear that some of these dodgy verdicts may not have come about if the plaintiff had representation at court. I wish the legal aid system could be changed to include civil matters otherwise we remain at the mercy of DCA's and suspect Judges. Its a lottery just like the NHS.

OK that doesn't seem too difficult. Its going to be a a while so be back in about a week or two. BTW Being stalked by a pair of old folk, last weekend and again this week. 1st Credit are info hunting I guess so they can make threats against perticular assets as to scare us into paying up xxxxx. Just hope the 1st Credit/Halifax can't produce a CCA from 8-10 years ago.