Thank you for your reply SGTBUSH Alibaba is similar to Ebay, where it is a platform for Wholesalers to list their product for sale, but there are assurances -if the product doesn't arrive or is not what you purchased you are protected by the platform. so very similar to Ebay. It works similar to Escrow, where you have a time period to claim within - but the claim was with Barclays at this time, as well as the seller had changed the tracking number. Essentially my claim period ran out as Barclays were not getting back to me. I'm now being told to go back to TNT even though it is the sellers TNT account. Hopefully this makes sense, i'm in a real panic at the moment

Hi guys, I hope someone can point me in the right direction or help with a Barclays / Alibaba issue I made a first time purchase through Alibaba 3 months ago - checked with Alibaba if my purchase is covered by their trust assurance guarantee ( and was assured it was covered ) Because it was my first time using Alibaba - I used my Barclays credit card hoping that if anything went wrong I would be covered. I paid for the machine (3k) and received a tracking number - a week later I was contacted by the seller saying TNT had change the tracking number - they then gave me a new number. 2 weeks later I was contacted by TNT saying that the shipment was damaged - but is still on route for delivery, they were unable to tell me how damaged it was at that point but to mark the shipment down as damaged as soon as it arrives. Shipment was delivered completely damaged (its a machine, and the lid to the crate was smashed in half) On opening the crate, the machine was NOT in there - just some parts to the machine, I contacted Alibaba - who told me to contact the buyer, buyer then does not respond. So I contacted Barclays - who put the claim in over the phone and told me to wait for documents in the post, 2 weeks later the documents in the post then arrived confirming the claim, but nothing asking me for more information. I then chased this up weekly with Barclays, and every time I called them or contacted them through their in account messenger service I was told. To be patient someone will be in contact. By that time I had then received an email from Alibaba saying that since I have not raised any queries - they will now release the money to the seller (why would I worry since my claim was already in with Barclays) In the 4th week on my claim and still not being contacted by Barclays - I called them again, and asked to speak to the UK team - I then got put through to the UK disputes team, and the woman I spoke to was quite surprised that my issue had not been dealt with yet - I explained to her that because you (Barclays) had taken so long to deal with this Alibaba have now release the money to the seller. She then asked me to provide all the evidence of purchase including the email from TNT confirming damaged to the shipment. I sent all this through, and got a prompt lets back from them 3 days later saying that are crediting the money to my account - but Alibaba could still dispute this. In the mean time I have had to purchase a much more expensive machine from somewhere else which has promptly arrived. 2 days ago I have now received a letter from Barclays stating that they will not be able to pursue my claim - as Alibaba have come back, and said that I did not raise the issue with them - and that I should go back to TNT and raise the issue with TNT. Barclays have now also stated that they will be unable to pursue as this is a 3rd party site, and the 3k they have credited to my account will now be debited in 14 days. I have since gone back to Alibaba - who have said their is nothing they can do as the money has been released to the seller, if Barclays had not dragged their feet in responding to this window would have not lapsed. What are my rights regarding this charged back ? I am a very small start up business and seems I may have to close before I have even started. Any help would be greatly appreciated Thank you so much

Forgot to mention the default still remains on the report

Hi Jam_Buttie We still have not had a response from them - its be a week over the the 14 days since my last letter - We have received another letter from BCW - urging the other half to call them urgently ( no date on the letter or anything) on teh advice of the above posters we haven't called either only in writing ( we're leaning lol) I'm getting ready to send them a letter before action - just doing some more research as to what to put in it. but literally not a peep from provident hope this helps

Thank you Brig In the letter I send them do we tell them to remove the default ? -

Hello again so the original "credit agreement " came through today - and has some interesting information - 1. the address on the credit agreement does not match the address on the default on the Credit report - 2. and the date the agreement was signed was in 2007 so a year before- the provident debt on the Credit report - 3. the debt on the agreement is also for £350 and according to exeprian the debt amount was for £950. So we are very confused ?- the only thing I can think of somehow my partners report must have got mixed up with someone else's ? does this happen ? oh and signatures are totally different to my partners signature - but the same name, again just a reminder my partner came to the UK permanently in 2010. what do I do next ? - I was thinking of sending them screen shots and telling them to removed the default within 14 days - or I will be suing ?

Ok... so we are sending a CCA request to both Provident and BCW - with the £1 fee and waiting 14 days for a response? if no response after 14 days - send a Letter before action with another 14 days ?

Thank you BRIGADIER2JCS what would the next step be ?

Actually just noticed that BCW did not add the default it was provident as it was sold on in 2012 and default added in 2009 - so what would the next step be ?

Hi Again Every one - still have not received any credit agreement from BCW - my partner called this morning to ask them where it is and apparently the account is on hold whilst they get information from provident. We then called provident to find out what the original date of this debt was - and the woman told me that there is literally no info regarding this debt on their systems - she could put a request in for the paper work but likely hood of this coming through is slim as it was all paper back then ? ( no sure what this means ) - she did tell us though that it was sold to BCW in 2012 - ( BCW then added a default to my partners CR) What is the next step ? would she write to provident or BCW to get this removed or would she SAR provident first ? - when we look at her credit report it looks like no payment has ever been made on this debt with it being taken out in 2008 - so surely this would then be statute barred ? would it not be easier to get the debt removed based on it being statute barred ? or does that just removed the debt and the default but not the creditor ? see attached screen shot of report

Brilliant guys - thank you, I will report back when agreement has been received Buma xo

HI Guys Hope you can help - my partner just had a look at there CR and has an ok rating apart from a few credit cards and searches and 1 default - thing is the default is with BCW - for an apparent provident debt She called Experiean to find out what the debt was for - who directed her to call BCW - where she spoke to an absolute cretin of a man who by the way was incredibly aggressive, and totally unhelpful. The debt was apparently taken out in 2008 and defaulted in 2009 - however My partner is foreign - and has only lived in the UK since Aug 2010 She had lived in the UK before in 2001-2002 (working holiday @18 ) She then permanently moved over in 2010 - so I fail to understand how she could have racked up a debt for over £1000 without being in the country. When she tried to reason with the guy over the telephone - and asked him what documentation they need to prove the debt is false he literally said "that's up to you" - He will be sending out the apparent original agreement - ( my partner did ask him why he needs to send this out as it is obviously not her, but he is sending it out non the less) My question is - where do we go from here - what type of documentation should we be getting together as proof that she was not here around that time. As a side note - from what I have read defaults stay on record for 6 years - the "account" was defaulted in Oct 2009 - would it just be worth waiting until October for it to fall off ? Any advice you guys could offer would be great Buma

Hi Guys I know this is a bit of a long shot - but I'm trying to get my debt and finances in order - so figured every little helps right ? - I wanted to know if it would be possible to claim back bank charges from an account that has now been closed for some time. I have had an active account with halifax - in 2008 when I tried to claim back my charges I sent them a letter ( template that I found somewhere ) asking to be refunded , I then got a response from them saying I do not qualify for a refund - I know I should have contested this but didn't and left it as is - I then left the country for a few months and had no money being paid into my account - when I came back - I wasn't using the account and I think in 2010 the account was closed by Halifax - I did however still have a savings account with some funds in it with them this when I extracted my savings the account was then closed by Halifax in 2011 I read somewhere that the 6 year time limit may not apply - so was just wondering if I would be able to try an get my money back ? Again I know this is a very long shot Hope you guys can advise, thank you in advance Buma

Thank you dx100uk I have sent off for a SAR to shop direct just waiting now , also should I send off a SAR to NDR , they seem to be based in Bolton ? Regarding the added interest - surely they cant do this - if NDR is support to be a debt recovery part of shop direct , should I not have agreed the interest being charged or something - it just seems ridiculous and quite unfair that by paying them 100 per month I'm actually only paying half of the debt off ? in double the time when interest keeps getting added Thank you again in advanced

Hello everyone - I hope you can help, I’ve been reading through the forum but couldn’t find answer, I have a catalogue account with very opened 2011 - I went into arrears at the end of 2012 - I’m not to sure what my balance was including interest but I know it was over £2000 - I did the usual thing burying head in the sand act - then I received a few letters from NDR and I set up a payment plan Feb 2013 to pay them £105 per month. This was on the premise that they (NDR) will be freezing interest on my account and I would be making regular payments - I have been making regular payments for just over a year now - and just received my statement for the month saying I still owe them well over 1300 and need to make a minimum payment of £647 - on closer inspection I noticed that I have been charged interest every month - after interest was suppose to be frozen - It’s completely my fault for stupidly not looking at my statements and happily paying this every month! But I’ve gone into my very account and have a look at NDR statements from July 2013 and it looks like I have been charged between £40 - £60 every time I have paid them. Is this right since they agreed to freeze my interest ( I don’t have anything in writing) when I initially set up a payment plan. Is there anyway I can claim this back? Also when settling the debt would I am able t negotiating an amount to completely satisfy thee debt? Apologies f its a stupid question - I just feel so silly for trusting these people and not checking my account was fine when this was put in place Thank you in advance for you help