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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hi everyone - been approached by a claims company making guarantee's they can get most of my credit card debts written off within a few months for 10% charge. Up front fee only £150. They seem to be making a big thing about the card companies increaing my limit (due to good payments) without me asking for it or signing a new agreement. Obviously having already claimed back bank charges with your help I thought I'd do my own investigation first. So - from what I've read this is my understanding. * Request copy of my credit agreement (signed etc...) which I know they won't have * Stop paying my monthly payments as my account is in legal dispute when the deadline for providing this information is passed and they've not coughed up * Fend off the letters threats and most likely end up in court (offer them a settlement prior to this ?) Best outcome is they write off the debt? really? Likely outcome is - I make a final offer to settle the account which they accpet and its closed down. My Q's are - what happens to my credit rating during and after this process? From what I understand they can't impact my credit file as I've not signed a valid credit agreement, but does this actually stop them? I want to apply for a mortgage in a few years time and don't want to ruin my credit rating. Has anyone actually gone all the way and won? And in winning what was the outcome of their case? Also, my barclaycard platinum was originally an Liverpool Victoria card but they sold their credit card book recently to BC. Does this make a difference? Thanks LouLou
  4. I think the fine is great news for us all but i do have this one criticism of the FSA, in the grand scheme of things LV is small fry, they sold a tiny proportion of loans and I wonder why the FSA didn't go for the 'big guns' as after all they all appear to be miss selling PPI. From the reports I read LV told the FSA of the problems it wasn't like they were 'caught' miss selling. Either way it sets a great example of the consequences when you get it wrong so hopefully the key players will be urgently reviewing their processes and selling tactics for the benefit of all of us.
  5. Yep, you were right, its no one's fault but the JPA system.... thanks for the links to the other forums, i shall have a look on there Lou
  6. My husband is in the armed forces and has recently earned a well deserved promotion which along with the higher risks comes a higher wage. Unfortunately he has not seen any of this money yet as the 'system' hasn't updated yet and he's been under paid for 3 months. He'll get the money eventually but some of the lads have been waiting over six months for their pay rise!! Can they do this?
  7. Thanks for all your replies, I have set up a contingency account with NatWest which was a lot easier than I thought, so I shall go for the 2nd Claim. You are right £400 is a lot and I'm going to go all the way!
  8. I have already received £2400 from Barclays after successfully following the process, so I thought I'd claim back charges I have received recently. After my first letter, I have a response which says, the first payment they made was a gesture of good will and that I should consider banking elsewhere if I do not agree to the terms and conditions. Reading between the lines it looks like they may close my account if I go ahead with the second claim (its for £400) Has anyone else made a successful second claim from Barclays? Are these empty threats? Thanks Louise
  9. Barclays did not close my account and paid out in full, however, I have just made a claim for further charges. Their reply was the first refund was a 'gesture of goodwill' if I attempt to claim further charges they have suggested I consider banking somewhere else. It seems that even if they are going to close your account, they give some idication of this before you get too far down the process, so you can make an 'informed decision'
  10. Well, you are not going to believe this, I was just preparing for a day of hell in front of the computer preparing my court bundle (left it to the last minute as usual), my court date is not until next year, when I get a letter of full settlement! It's about £150 short of the full amount but at the end of the day, payment this side of Christmas, no more worrying about the court date, not having to do my court bundle and actually getting my money is worth the £150 lost. This is amazing, I always thought I would get my money but you always have the tiny bit of doubt that you'll mess up somewhere in the process by not filling in the forms rights or forgetting to do something. Or you'll be the one they take all the way to court! Without the help of this website I would never had stood a chance so thankyou so much. Donation will be on its way as soon as money is in my account. (How do you do this by the way?) To all those other Barclays customers in the process, don't give up, no matter what happens, get organised and stick to deadlines and you'll be a winner too! I am chuffed to bits!
  11. So you're saying your court date was for the 7th Dec and Barclays have already offered to settle? (in full?) Thats early for Barclays!!
  12. Just wanted to let everyone know that my brother was claiming £1400 from First Direct, and has today received a full settlement, he didn't even have to go as far as filling in the allocation questionnaire!! As his big sister who had to nag and nag him to do his letters, fill in forms, screamed at him when he nearly settled for half the amount I am pleased for him but frustrated as my Barclays claim is not going as easliy and yet I have done everything by the book!! So good luck to all those First Direct Customers who are just starting or have just done the money claim website bit, looks like you might not have to wait too long.....
  13. I have a quick question - I have filed my allocation questionnaire and paid the £100. As I did not want to hold up the process of my claim I am intending to make another seperate claim for charges I have received in the last 3 months. (yes well I never learn!) Do you think this will be a problem or should I wait until the first claim is finished with? Also, am I right in thinking that NO ONE claiming from barclays has actually made it to court? I am assuming all cases are settled very close the court date. I just read a thread that said Barclays have sent a 'see you in court letter', is this a standard one we are all getting? Hope someone can help me out here. (and put my mind at rest!) thanks Lou
  14. This is fab Welshman, many thanks for taking the time to help me out here.
  15. I started this whole process a long time ago and have finally got to the stage now where I submitted my claim and have just returned the allocation questionnaire to my local courts. Since submitting my claim I have incurred further charges, can I claim for these as well, or do I need to follow the same process but as a seperate request for a refund? There were a few things in the defense statement that bothered me and would welcome any advice on this. "The particulars of claim do not provide details or particulars of the account in question and or the precise charges alleged to have been unlawful, or the date thereof." (I was going to send a copy of the excel spreadsheet with each charge, reason and date back with the allocation questionnaire, is this OK?) Getting a bit nervous now, especially as there are few settled claims in the Barclays folder, those that have gone through the process, what is likely to happen now? Many thanks and wish me luck! I will PM Bank Folder with claims details
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