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Ms Angry

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About Ms Angry

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  1. I found it. Still wouldn't be better to send my SAR now? Time wise is the same, I pay only £10 fee. Or, is there still a possibility they impose additional charges for whatever reason? Have I misunderstood something?
  2. Decree Absolute in 2010. I will pull out tomorrow specific wordings of the Ancillary Relief order if you need it.
  3. Can I ask now if you know what Andyorch meant in his post of 8/5/2018? I am unable to open the link, he had kindly enclosed. Is there any new legislation coming into force in 2 weeks tome? Is there any option to sui the bank for Negligence or is it more an Unfair treatment? Should I have gone to the local MP, instead of looking at Court? BazzaS, wouldn't breakdown of fees and charges and interest come up on the SAR? Sorry, I may be asking dull questions, but I came across so much new information, I am feeling the least lost. I thank you immensely for taking part.
  4. Some clarification, if that would help - Mortgage Current Account and Mortgage Reserve account are two separate accounts, with separate account numbers, and separate statements. (I hope that at least this makes the situation a bit easier) The outcome I am looking for (I need help for the wordings please) - I want my name, as well as the main mortgage, off this debt (withdrawn reserve account). I did "shout" as soon as I spotted the transaction. It is not my fault there was a problem in the system of the Bank! It is not my fault that the Bank's procedure for starting an investigation was 8
  5. Many thanks for your replies, BankFodder and BzzaS To clarify if still in any doubt, "Mortgage Reserve Account" as BankFodder explains, was additional borrowing facility, linked to the mortgage. The original Mortgage offer was more that we needed for the purchase of the property, and we were offered that facility. Of course, we accepted it, as it was a ready waiting loan at mortgage interest lavel rates. Another point to clarify - I am not oposing in any way my liability to the main mortgage. But I DO to those £24,410 and intailed interest. The Bank did not gave them to me, des
  6. Hi Sorry for the delay. Here are the main letters in regards with my problem with Barclays. MsAngry Barclays.pdf
  7. Quick one Re: FOS I have not been to FOS as I feared it would be a waste of time. I cannot imagine how they can be unbiased if they are financially supported by the financial institutions! Even if I had to ignore that, no personal offense to anyone, considering the targets they have to meet, what I have read about the way they have to deal with most cases, the expertise available and so on, I decided against it. But to go through the Court Route. I will look at the last few replies properly tonight as I have to go now. BTW, is that the right way to reply to the posts on my treat? Don
  8. Hi BankFodder, Re: post 7 of yesterday 19:16 I note the criticism and apologise. I was unable to log into the forum for some time. All started in 2007. Separation 27 January; I informed Barclays bank, they flagged the Mortgage accounts with "marital dispute" (or at least they were saying so); End of March/beginning of April 2007 - I agreed with the bank (their suggestion) to transfer funds from Reserve account to Main Mortgage account to avoid mortgage arrears. 18/04/2007 - Woolwich (mortgage originally taken from Barclays around July 2003) writes to me that my-ex (
  9. Hi BazzaS Thank you for your post. A friend (who had done it in the past for a different type of proceedings though) suggested I go to see a Judge of the Day as my only option to be heard. And since I did not know what else to do... I intend to follow CAG advice now.
  10. Hi Thank you for the link but I am unable to open it. Could it be the type of account I have. I have only registered for posting. I have not checked whether there are different type of accounts for different level of access. Will have to explore. I did hear something about it on BBC 24 News last week when the problem with Lloyds was in the spotlights, but was unable to follow it.
  11. Hi Thank you for the address and apologies that I look like wasting other people's time. I DO appreciate the help and concern. For some reason, I am unable to log into the forum on an iOS device, and only yesterday I managed to sit at my PC. To the point now - I had decided on Court Proceedings as I felt it as a last recourse of action. It has been more than ten (10!) years and hundreds of telephone calls, letters, visits to local branches etc. I gave up having any dealings with the bank when I went last time to Barclays Ruislip branch, asking to see the manager for explanation on
  12. Hi slick132 Thank you for welcoming me and for your advice. I will do the SAR, while I am looking for pro bono advice on how to put my case for the County Court. (A friend suggested to go to High Court and see the Judge of the Day, as my claim is not for the Small Claims Court). I have been to the local County Court but unless I have a Court Hearing on the day, I cannot pass the security even. There is no one to talk to or seek and advice from! I was thinking of suggesting mediation first. Any experiences/advice to share? Where is best to send my SAR? Address on bank stateme
  13. Hi In 2007 I separated from my husband due to domestic violence issue, child was 20 months old. I was working but just surviving (Finance Officer in the Local Council) * I informed the Bank (our mortgage was with Barclays); Requested to change the mortgage temporally to "Interest only" * The other party refused to agree to the change; The Bank suggested I start making transfers from Reserve account facility that we had, in order to avoid arrears * The other party put a "freeze" on the account to stop me from using it; Bank could not proceed as they had to have both parties' ag
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