Thanks Brigadier... Is it worth sending them a letter to freeze interest for time being due to my current circumstances?

Ive had the mortgage for 11months now. My work permit expired in Oct.... Ive always been a good payer, never had a default for the past 5 years its just this time I cant get a job coz of the work permit issue. I am stressed that the minimum payment am paying to Bcard is just going towards the interest hence Im asking advise whats the best course of action...thank you.

Hi All...Here's my story... I have become jobless due to a my visa expiring. I am now in the process of applying for a new fiance visa and was advised by home office am not allowed to get any job. Since I cant get a job I have been using my credit card to live off (stupid but got no choice). My partner is not aware of this and dont want to add up to his own problems. I have now £10k in credit card debt, all from Barclaycard. I have my bank account with them too. If I default on them and offer a final settlement or payment plan will they be able to do anything about my mortgage(mortgage is less than a year)? what would be the best course of action? Im so tempted to just get it on default and wait for 6years(i know morally its wrong but these are banks we're talking about.. ...) I would appreciate any advice...thank you in advance.

Hello I have rented a room in a flat.It is being sub-let by the current tenant since he cant afford to pay for the rent on his own. It was a min of 6mos stay. When I moved in I asked the sub-letter to give me a contract for my stay. I paid him one month deposit and one month advance.I made him sign a receipt of the deposit I paid him. Due to work changes I have to move before end of contract. I informed my sub-letter 2months in advance while he was looking for my replacement.I even helped him advertise(at my own expense) online for us to get another tenant. When I moved out, he asked me if he can return my deposit back when a new tenant moves in.I agreed to him, just being considerate as well. I even agreed that instead of giving me back full deposit, he will retain some of it as compensation for the time he wasted not going to work just to meet up potential renters. Now he already got a new person renting the room. I asked him if he can give me back remaining of my deposit. He is now avoiding me.not answering my calls and messages. Do I have any legal right?

Yes I did but I havent checked for the most recent ones.I will check it now. Thanks Conniff

My original agreement was a financing thru the company.then after a month they sent me a letter saying that they passed on my financing thru Barclays as they have a cheaper interest(cheaper by £5per month)... so, to answer you, they seemed to have sold my agreement with them to barclays. I didnt apply directly to Barclays therefore dont you think I am due for a refund of all the payments I have already paid them?

thanks much for the reply.

Hello I have a financing agreement with Barclays to pay for a course with another company. i wasnt able to receive the agreed service and the company has now gone into administration and closed down. I made a complaint to barclays about it and after a few months of waiting, Barclays has decided to cancel the loan and deem the balance paid in full... my question is, can i still claim back from Barclays the amount I have already paid them? Thanks for your help...

Thanks Martin3030...

i would love to join you on this Cap1 visit they have just charged me £12 for an £11.20 balance on my credit card..i didnt realise i still have a balance on my account..phone them up asking if they might reconsider as its ridiculous to be paying such a charge...the replied in a very rude manner...i would love to get back at them... i had a cap1 card since 2004..can anyone please point me to the right direction/letter templates to get a copy of my agreement to be able to check its enforceability? thanks a lot...

yes, im afair..it has my name and address although they put my title as Mrs. if that even helps... thanks for your reply. again, im looking forward to further help and advise about my case.

hello again i have finally received my CCA from barclays partner finance regarding my agreement on TCA. attached below one of the documents is a consumer satisfaction form that i have signed before i went trading LIve. this is the piece of document taht worries me. to be honest, even if i wasnt satisfied with the training that TCA has given me i still signed this one because i was so excited to get on with my so-called one to one live training and trading. i have stopped paying barclays and now they have started calling me and they are now chasing for my payments. of course they have already started charging me £20 every default payment. please help me out, im not sure what to do now. thanks again in advance.

hello S thanks for sharing what happened to you regarding your dealings with TCA...Im also in search of other people who is undergoing any legal proceedings against TCA. few months ago someone contacted me about it he mentioned that they are building a case against TCA but all of a sudden he just disappered, dont reply to my emails and has deleted all the items he has uploaded in scribd about TCA. not usre what happened to him. but keep me posted about your case too. Im now here in CAG to get some advise from experienced people how to go about the agreement I got into. thanks again.

thanks cerber i will keep you posted

just an update: i havent received any reply from Barclays Partner Finance about the CCA i sent them on the 2nd of april. therefore I sent them yesterday my 2nd letter and i have canceled my direct debit to them. i have set up a parachute account(i have barclays as my main bank acct) for my bank transactions as i would definitely be on default next month. am i right to say that all i have to do is wait for any reply?

thanks a lot. i will edit and send this letter to them and see what they say. i will keep you updated.

nope, this is the first time i heard from them. i have moved from my previous address since 2005 so i would never know if there were any letter from them. and i am pretty sure i have cleared off the full balance on default and asked for the disconnection of the phone. either way, is this still enforeceable?

ok..cool.. i will keep you updated

cool..thanks much

hello cerber, i was going thru the letter you have just posted and i am not sure if it suits my situation. the 12 days period for them to send me the CCA hasnt expired yet. it should be on the 12th april but i deafulted on the 2nd april... sorry for being a noob with this. thanks again.

Hello I received a letter today from a certain Transcom. pleae see attached Its about a mobile contract I had in 2004 but later on used by my sister. she went into default and i know for sure i paid the full balance and even asked for the contract to be closed. now i receive this letter saying i owe them money. please help. thanks in advance.

thanks a lot ..cerberusalert

Hello I havent received any reply for the CCA letter I sent to Barclays last 01 April so Im still waiting for it. I stopped paying them this month and now they sent me letter chasing after the payment. Please advise me what to do next? Thanks.

ok..i will keep you posted as soon as i hear from them. thanks again cerber

ok..i was just able to find documents i got from TCA. originally, i have a credit agreement with TCA. then they sold it to clydesdale bank at 18% interest per annum. then TCA said they will transfer the agreement to Barclays since they have lower rate but as i was going thru it, Barclays rate is 19%...so im paying more. i guess this is also a strong reason for me to dispute the agreement...