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  1. Afternoon To cut a long story short, at the end of May last year I went overdrawn due to some mix ups on both my end and Barclays. Currently the balance is at £670. I called up to arrange a repayment plan with them but found their terms not in keeping with my financial status at the time. I offered £50 a month which was refused because they can only set up plans on a 6 month basis which would have doubled the time so i agreed to stupid amounts to repay per month which were unaffordable but to get them off my back for a little while. If they'd agreed £50 a month then it'd be well on it's way to be repayed but that's an arguement for another day. Anyway, they have set up three repayment plans and I've only paid the 1 installment out of all those. I've sent three letters asking to set up an AFFORDABLE payment plan but they've just asked me to call them which I don't really want to do. I've got a bit of a short temper with most of these places. They've sent me a letter saying the account has been sent to collections (Not sure what department it was in before but I'm pretty sure it was in collections) and that they are closing the account and I have to deal with them. I offered £40 a month to get it paid and I've got an Income and Expenditure form back in the post which is extremely complicated and not very well laid out. Any ideas how to proceed? I've just sent them another letter saying I'm going over the I+E form and I'll be get back to them soon. They keep ringing me twice a day which I've noted in my letter and asked them to stop. Any advice for this would be greatful recieved as I'd just like to get it over and done with, set up a standing order and forget about it.
  2. Got a letter back today from them (I sent my letter 22nd October) saying they are going to hold all action on my account for 28 days and wait for a letter from the debt advice service helping me with my debt.. Thing is, i dont have any one helping me. All i said in my letter was that I was asking for 28 days hold on the account while i explore my options as my financial situation has changed. I plan to write back and offer what I can afford in the next few days (Why bother rushing if they take nearly 2 weeks to respond eh? ) and go from there. The other companies I deal with are being helpful except from Shop Direct but that is a story for another thread. The fight continues!!
  3. Thanks to you both for your help. I sent Barclays a letter today detailing that I'm in financial difficulty at the moment and to place further action on hold for 28 days while I arrange my affairs. I will send them a income/expenditure form in the next week to show them whats what. No charges/interest has been added so far so i am "lucky" in that respect but that wont stop them from doing so in the future. In the future, if I continue to have trouble with them I will see if CCCS can help budget them along a bit. I have had mostly successes with the other companies in setting up a payment plan etc but you never know for the future.
  4. I have a cash card account with Barclays which is overdrawn to the tune of £687. I have tried a few times to set up a repayment plan and agreed repayments. I have found these repayments hard due to Barclays' rigid repayment schedule which they state that the overdraft has to be paid back within 6 months. I agreed the repayment plan with the best intentions but have found it hard to keep up with their repayment schedule. The original overdrawn amount was £711. Talking to Barclays on the phone is a frustrating affair so I've decided to communicate with them via letter. I want to repay back what I owe but I am finding it hard to deal with Barclays even after explaining my difficulties. The "unauthorized" overdraft came about due to Guaranteed Card Payments to various Payday loan lenders which have now all been paid off bar one final repayment at the end of this month. I am in full time employment at the moment and working to pay off all my debts. I currently have £3258.28 of debt to pay off of varying amounts to Woolworths, Littlewoods, Very, Barclays, Capital One, Vanquis and Natwest. I have made headway with Natwest who agreed to let me pay £25.00/month over a year and with Vanquis. The others are being a bit more difficult to deal with at present. Could anyone advise with how to deal with Barclays? I will tackle the other ones after. Many thanks
  5. Leave the country and forget all about it. They won't come after you and if you aren't coming back for 10 years + it will be long done and dusted before then. Fact!
  6. How do i word this letter without sounding cocky and not wanting to pay the overdraft of? I have no idea how to deal with these people
  7. I am overdrawn with Natwest by £427.53, my arranged overdraft limit is £275. They applied "Guaranteed Card Payment Fees" charges for three items totalling £134.28 at £45.00 which is coming out this month. Also on the account is a charge called "Maintainance Fees" at £20.00 which is also coming out this month (and also did last month). I am quite scared that this amount is going to add up over time and become unmanageable, I have spoken to my branch who said to me (more or less) "You need to pay this NOW or suffer our almighty wrath!!!" which wasn't too helpful. I have switched my main income to another bank account (Barclays) so it's pretty much just sitting there at £427.53 gaining charges and what have you. What is the best course of action to take with the bank? I'm really quite worried about this, i hope it is in the correct forum. Thank you.
  8. Hello there, I have been dealing with QuickQuid for a few weeks now in terms of paying back my loan. I thought I would share some information with you. For some reason, my debit card wasn't accepted by QuickQuid (it's a normal Visa Debit) so I enquired about paying with an alternative method. The only option offered to me was via Direct Debit, which I flat out refused knowing that they can and will take what they want with disregard to available funds or not. Searching around the internet, I saw that they had an option to pay by PayPal - I have no problem with this, they don't see my bank details and they get the money they are owed. Here's where the stumbling blocks started: They refused to let me pay via PayPal. I said 'Well, why is it an option then?' which was followed by a flat out denial of having any kind of option to do so. I quoted a few sites, cue me being placed on hold for 25 minutes. (I called the 'Priority line' - there doesn't seem to be any kind of checks in place. I will give this number below - it's a free phone.) She comes back on the line and tells me that I can only pay by PayPal if my account has been defaulted. Fine. Let it default. Then I will pay what I owe and no more. On hold again. 7 minutes later - 'We will waive your £12.00 fee as "courtesy" because I'm willing to pay'. Fine. Transferred to 'Collections'. They say they can't do it because my account isn't in default. "Fine, let it be in default - I just wont pay it." (I had every intention of paying) and sure enough, a few minutes later, they send me a PayPal request for what I owe them - with the £12.00 fee on top. On the phone again, they say I'm legally obiged to pay it. No chance. Take it off, send me another invoice. The invoice comes. Paid. Thank god. Send off my receipt number and I'll never speak to them again. I wanted to share some information with you about these people. They are registered as 'CashEuroNet LLP' which as of the 15th June is listed as this on Companies House. Name & Registered Office: CASHEURONET UK, LLC ABOGADO NOMINEES LIMITED 100 NEW BRIDGE STREET LONDON UNITED STATES EC4V 6JA Company No. FC027527 Status: Converted / Closed 18/05/2010 Date of registration: 14/05/2007 Country of Origin: UNITED STATES I work around the corner from these offices, took a little visit on my lunch hour - they are on the 2nd floor - was able to walk straight in, seems to be pretty empty. Quite odd that no one seemed to challenge me or contest me. Walked back out no worries. I wonder if this is some kind of just base office and nothing actually happens here? For your information here is some useful info that may help you out: Direct Line: 0808 101 1160 Email: preferred AT quickquid.co.uk Paypal Address: [email protected] Another email listed on Paypal for QuickQuid: Customer Service Email:rlewis AT cashnetusa.com Hopefully, some of this information will help you out, if you've anything to add regarding this company - please let me know. I'm not an expert, just a very peeved indidvual trying to get to the bottom of this company. Thanks.
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