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Roctiv Werdlem

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About Roctiv Werdlem

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  1. I rang Barclaycard to chase up my complaint (see earlier post) not the other way round. The majority of creditors haven't issued defaults and I'd like to keep it that way.. I've just claimed back PPI from them as well.. Account was opened in 1996, what benefit would requesting the CCA bring here?
  2. Hi, I'm currently in a DMP via StepChange. I had a call with Barclaycard today who told me that if I don't revert to my contractual payment, they will default my account. The difference between my contractual payment and what i am paying via StepChange is really small and I can easily make up the difference myself each month, BC say that if I revert to contractual payment, but they detect that any of the payment is coming via StepChange or another DMP, they wiill automatically default and sell the account, regardless of the fact that I would be making up the difference and the contractual payment would be met. Is this really true? If I'm up to date with my contractual payments, on what grounds could they default the account? I don't see anything in their T'cs and C's which restricts the way in which I pay the account?
  3. Hi, Thanks again for the reply and your insight. Tesco Loan was taken out in 2009 I think. Defaulted in 2014 and sold a couple of months ago, despite my being in an arrangement to pay with them which was up to date. Strangely, this account doesn't show on either Clearscore or Noddle anymore... I tried the irresponsible lending route with the PDL's, Lending Stream agreed and wrote off £500. The others told me to go forth and multiply... Given I'm going to have this DMP round my neck for another 4 years nearly, at the tune of £806 a month, I'm wondering if there's any way I can speed this up / reduce what I owe quicker? I've got a bloody good final salary pension I've been paying into for over 20 years but I'm not 55 for another 10+ years so I assume that's not an option to tap into?
  4. I've attached my latest DMP statement with the personal info removed.. Allied International Credit is for American Express.. rest should be self explanatory
  5. No.. I went into the DMP with just under £50k of debt ( I had a messy divorce and went off the rails financially a bit ). I have a good income which is why my DMP payment is quite high ( over £800 pcm ) The majority of creditors haven't defaulted me, including MBNA, and I wanted to keep it that way. Indeed my credit report shows the account as "up to date" albeit with an AP marker. MBNA confirmed only 6 weeks ago that the account wasn't in arrears! Since 2014 I've repaid just over £20k of the debt so am getting there slowly...
  6. Hi, Thanks for the reply but I'm not clear how I'm in a better place? I would rather deal with the lender than a parasitic DCA! Very little of the debt is made up of charges and the interest was significantly reduced when I went on to the DMP with Step Change. I took the account out in 2008, got into difficulties in 2014 and have been maintaining regular payments via the DMP ever since which they have been happy with. Current balance outstanding is £2,933 and I was repaying £89 a month.
  7. I've been repaying my MBNA Credit Card account via Stepchange for some time now, and MBNA were happy with the amount I was paying and, in that respect, my account was up-to-date On the 19th August I received a latter that stated "We are writing to give you notice that we are ending your MBNA credit card agreement in accordance with Clause 18 of the terms and conditions. This will happen on 22/10/2016 The letter then goes on to say that if they sell the debt to a 3rd party, they will tell me "as soon as is reasonably possible" I get home today, 14th September, and my latest statement from MBNA is on the doormat. I open it to find that they have already sold the debt, and this was done on the 8th September. My question is, having given me notice that this wouldn't happen for another month, and they would tell me ASAP if it was to be sold, are they within their rights to do what they have done? eg terminate the account a month early and sell without telling me first? Just seems very underhand to me. Being in debt is stressful enough but behaviour like this just makes it worse... Out of all my creditors, MBNA have been the worst by far!
  8. I don't have recordings, but Barclaycard do and I've asked for them as part of my formal complaint escalation.
  9. Hi, I've been a customer of Barclaycard since April 1996 - so a very long time! A couple of years ago after a messy divorce , I found myself in a bit of a financial mess to the point where I had to enlist the help of StepChange to sort things out. Until now, Barclaycard have been fine and were happy to accept the payments from StepChange. Unfortunately I missed a payment which "broke" the agreement but they were happy for me to continue on an "informal" arrangement and indeed back in March this year when I contacted them they assured me that there were no plans to default the account as long as I kept up with the reduced payments, and that I should contact them in a few months time. What they did so is that they had no "formal plans" available for me at that time. Yesterday I received a letter from them stating that if I didn't clear the arrears within 60 days, and then resume my standard contractual minimum payment (with intrerest) they would default the account. I contacted them today to query this and say that they were effectively moving the goalposts as they had previously said that they wouldn't default the account, I also made the point that the minimum payment would be more than I am paying via StepChange and therefore I wouldn't be able to do this without manually topping up the payment and thus being in breach of my plan. They were adamant that there was nothing they were prepared to do , although I have asked for this to be escalated as a formal complaint. They did tell me that these letters and change in heart is a new policy of theirs and they have had a number of similar complaints.. Any thoughts as to what I can / should do? Is the fact that the account is sold old of any relevance?
  10. I did on the day, spent an hour on the phone to them! Got a letter through the post today just saying "tough, we've done nothing wrong etc etc "
  11. Recently had a direct debit presented to my TSB account when there were insufficient funds. However, I knew that a BACS transfer from my employer (they had short paid me this month) was to reach the account the next day. I rang TSB and explained the situation, they stated that "they couldn't see inbound payments, regardless of where they are coming from" I don't understand this at all because under the BACS scheme, the fund would have been already with TSB ready for payment to my account the next day! Indeed every bank I've previously had an account with has always been able to see an inbound BACS payment the day before. I then asked if they would consider making the payment and they told me that I didn't qualify for an overdraft and there was no flexibility there (computer says no syndrome) I then asked them to confirm for certain whether or not the payment would be returned, to which they told me they couldn't and it was "up to the computer" later that afternoon?! Surely it's not unreasonable for me to expect the bank to be able to tell me for certain whether or not they are going to return a payment? Had they confirmed for certain, i would have cancelled my meetings that I had scheduled and borrowed the funds from a colleague and taken them to the branch by hand to pay in. However because they couldn't tell me I decided to take the chance.. . Obviously it didn't go in my favour! My question is, are TSB talking rubbish about not seeing BACS payments and not being able to tell me if they are going to make a payment or not? All seems very 1990's to me and a world away from my experiences of First Direct / HSBC
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