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Deb T

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Deb T last won the day on October 1 2011

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About Deb T

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  1. Yup Andy, yer don't have to tell me, I know it. The fees and ppi mentioned above probably don't account to much/ are minimal given the lenght of time, the amounts involved so probably won't pursue them. I couldnt quit/stop paying the account in 2011, there was too much to lose (property and a rather messy OR predicament (not mine) that my home at the time fell into....I was at risk of the entire deal being scuppered ....so didn't want to rock the boat. It sounds easy but it wasn't..
  2. In edit....I found one page of 1 months statement and it shows 2x paid referral fees and a charge for an unpaid cheque....it's the monthly that corresponds with the letter (2004) so probably why I kept it......2x £25 referral fees, 1 x 'transaction' charge for a bounced cheque unpaid... 2004 statement date.
  3. Going through some documentation...... I've found: Ref to the old account before it was transferred or closed and another opened by Barclays because at the time the account held was not able to provide an O/D of 7k....but on the old account...no statements exist....but I do have an 'confirmation of personal overdraft letter an on there it shows a Monthly Personal Overdraft Protection fee of £1.60 (on a £200 0/D) .. There is no personal ovedraft protection on the new account (i have the original application for it after them telling me i needed to open it re extending the o/d from 200 to much more. and the box isnt ticked for the protection...but it is mentioned in the previous account and the fee for it... I've also found letters from the bank of confirmation of the Barclays Executive Overdraft renewal of 7k on the account I'm struggling with and where it states a review in 2001 will take place and that I can 'Overdraw;' to my limit whenever I want but should 'not be overdrawn' by the whole amount........which it has been since 2007 at least.....and there are several letters referencing (2003/4 where I have gone over my 7k limit, that I should of and charges have been applied (no statements go that far back) there are a couple of those and where there are mention of fees for those above the overdaft. sometimes £20 a day for a max of three days...and also anothr refernce a year later for some returned cheques ...where I've been charged for those (but no mention of the charge amount) and again for also those chequest taking me above a £25 buffer level (on an 7k o/d?) I guess there are some charges and possible a ppi in there somewhere...ppi not this account in qustion, charges are for this account in question...probably no more than about £300 in total...but it was 16 years ago...
  4. I did consider transferring it to a CC also held with them, it has a 15k limit on it, I've not used it for 10 years but it's still functional, (annual statements/new cards issues etc`) then bunking on the card and going down the CCA route and see how/where that got me.... Stopping paying in 2011 is one thing, but they'd have pursued it with vigour and at the time I was part way into a real messy situation that had a decision by an OR been scrutinised and then overturned....well it could have been disastrous... Further to that and on theis debacle along had I stopped paying and my credit record smashed I wouldn't have been able to juggle ith my finances about 3 years ago in a final push to consolidate and pay the remnants of my past life....had my credit record been poor I would not have been able to work towards consolidation....... Further still, the consolidation of the remnants paid off, reduced my outgoings by 80% allowing me to gradually get myself on my feet to a point now where the consolidation part is also now coming to an end...... Leaving me with just this mess with Barclays, I think I'd like to try is at least attempt some amount of informal litigation with them and if that fails then play as dirty as what they most likely will by way of my stopping paying them as per your 'what you would do' It's finding a route in that is where I think i'm going to go....I've condensed the SAR, pulled out the grubby bits and will look up on bcob and such like and see what/if anything there is of a help. In the past i've doorstopped those who have clout within various organisations that have been looking to boot me into touch with their legalities, it's not always worked but mostly it's gotten something sorted out.... It's just a mess, I'm the one to blame I know that.....and it's not like I've done anything wrong or dubious or underhanded or anything, I've done quite the reverse and sods law it's probably going to be the one that does the most damage, go figure.
  5. I'm all ears (figuratively speaking) unless you mean stop paying...... ... Going through this sar, data since the account opened which was 1993...most of the ABBRV codes I have no idea bout or even able to work it out...BUT I thought O/Ds were subject to annual / status reviews...I put them on notice as early as 2011 that I needed help.....but they just continue to collect....no review mentioned since 2005, hardly responsible lending.
  6. Thanks for the tip....I did...wish I hadn't ha! my gormless self started this thread in 2012....and in 7 years I'm here again...nothing has changed, not even the balance....(give or take a few £) Each time I get here, I'm full of momentum, then get sidetracked, put it to one side and forget about it (until the next payments due) I can't do that any more, don't want to do it anymore so this time I've cleared my desk, got out my best crayons and am attempting to put together a letter ...to whom I dont know....but i'll find someone....
  7. Hey Andy, thanks for that... There was nowhere for me to post it/add..it gave a message asking to flag a member of the team... However, the layout is taking a bit of getting used to ( I rather like it) so the error may be on my part and I can only apologise if thats the case. ( I did look hard mind)
  8. Unable to see where and who I am to 'flag' up the below post as wanting to add to it so I'll add it here and hope a team member can merge it... It's been a while since I added to this, nothing has changed except I have an SAR now, it doesn't say a lot, just oodles of statements etc and a few small minor codes that translate to them saying 'customer may be in trouble' but nothing. To add further and to update.... Status Quo: (I'm sure the overdraft is nearly as old as them) 1: I'm still meeting the overdraft interest payments every month and nothing more. 2: I have again been in to the original branch, plus my local branch for help, neither were able to point me to anywhere but 'customer services' on the phone as in no one in branch was able to help due to the account being so old 3: Account is the same . Barclays Executive Overdraft. 4: Latest statement update is I still have an overdraft with them of - £6,718.20 overdrawn... 5: Update on the sums I am now able to do to pinpoint within the last decade. Account has been overdrawn since 2001 ....and by 5, 6 and then 7k (last 14 years on the latter at least) 6: This is the latest figures. June 7th 2009 Overdrawn £6,750.56p a decade later June 10th 2019 - Overdrawn £6.718.20p 7: In 120 payments made to them 10 years x 12 months of £100(minimum) £12,000 8: Reduction in o/d in ten years £32.36 9: No other transactions by me on this account in these quoted10 years...and beyond, just me paying interest, Barclays applying interest...I have not drawn on the account in over 12 years probably longer 10: No overdraft reviews appear to have been conducted on the account for what looks like 14 years (account has been open over 20 years) 11: I have not used exact amounts of balance or overdraft so as to limit Barclays identifying my account (for now) but all account figures are representative within £20 and the £12,000 is a little less than has been paid back as some months when they changed their interest dates/account details the amount went up....and judging by the new rules coming in next year it looks like it will go up even more. I know it was suggested to take Barclays to court for 'fees' but I still do not understand what fees? O/D is not a fee is it? What I would like is an person within Barclays that I can send and expanded version of above to and where they can deal with it without putting me at the mercies of Barclay Customer Services who frankly have been dire when attempting to discuss this with...... I have worked hard over the last 8 or 9 years with info gleaned from Cag and it's members to tackle my debts (and others) head on....this is the last one of them all......The overdraft is classes as an Barclays Executive Overdraft, it was business but that all went pete tong in 2002 and they then sort of renamed the account/over draft and here I am. I was thinking that as it was termed a Business Overdraft (even tho it's now on what is seen as a personal account) that the overdraft if called in (which is Barclays will do as soon as make formal contact with them over it...although not sure why the request for the SAR didn't instigate something last year) is that they will enter it onto my credit record and I'm back to square one and where in real terms I have done as much as I can to try and rectify this account....i THINK... Deb
  9. It is still being treated as an Executive O/D Flex Account. The account no longer exists in it's current format. What am I looking to stick at them? What points? (sorry if that sounds a dumb question) and where should I be aiming it at? Branch level are hopeless, so is the Area branch, CS will just put it in a queue, I'd like to get it seen by someone that can make a decision or at least make something happen to help address it...
  10. I'll work thorugh it, there are over 1500 pages
  11. SAR has arrived took them a while, I first went for their online application for it, didn't arrive, then went for a manual one, but never heard anything, in the end I called in at a branch and waited (almost an hour) for them to come back and give me the correct address to send it to. It was sent, I got an update to say it was ready at the branch, called in at the branch and they couldn't find it, went back a week later, still unable to find it, so went in and played my face 'not leaving until you give it to me' 2hours later they brought it out to me, all neatly packaged in 2 sealed bags, each about the thickness of a ream of printer paper, most of it is statements from quite a way back (barclaycards also) What am I specifically to look for?
  12. Re-reading the Ops thread, it's an exact replica (procedure/info) and participants (cabot/ruthbridge). My course of action will be my sending the letter back to them (taking a copy of it first) also enlcosing a stat barred letter (template from here) + informing them I've retained a proof of postage which 'should' leave Ruthbridge with a clear way forward on how not to proceed. What I won't be doing is responding to anything else they may want to send but instead simply send it back 'return to sender' Ruthbridge's letter is a little ambiguous (for fca purposes I guess) with terms such as 'to avoid any further action' quite what 'action' they can take once the star barred letter is sent remains to be seen
  13. They must be phishing, I've had a similar letter from Ruthbridge albeit accompanied by an introduction letter to them via Cabot on an alleged debt where the last communication with the original OC was 2003 (no correspondence from anyone else ever until now, with the best will in this would have been stat barred since 2009.
  14. I won't know that just yet, but I will endeavour to find out on the morrow when we catch up. There is a reference to it in the SAR but I think it's just some abbrv gobbledygook, this was the entry Third party import sent in using file type Statute Barred Date Upload, template Statute Barred Date Upload Third party import sent in using file type Statute Barred Flag Upload, template Statute Barred Flag Upload
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