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Micky the Hippo

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Posts posted by Micky the Hippo

  1. hmm, well


    I was out of work in September 2014 and they very nicely froze the account for six months, ! found work after three or four months and called them to go back onto my payments, they insisted the account stay frozen and I make a much reduced payment for a year. At the end of that year they turned the card back on, added interest etc, the first I knew was when they started sending lots and lots of automated calls. When I rang them I got a call centre that were clueless and eventually agreed I was not at fault and promised me a refund of the added interest and a £100 for the calls.


    Then someone the UK side called me and was rather curt, said it was all my fault for not contacting them to arrange a new plan, I complained formally, they responded by saying it was all my fault but it could have been handled better and paid me some compo. Then they offered me a new repayment plan with minimal interest for a further year.


    About this time I got annoyed with the messing about and following my apparent success CCAing MNBA/LINK. I thought what the hell and sent a CCA off to Barclaycard over two months ago, it was signed for but otherwise no reply.


    Earlier this week I got a routine monthly statement showing I was late making a payment and showing them adding interest at what looks like the old fashioned lively interest rate.


    1. I kinda sorta went into arrears six months ago by mistake when the repayment plan ended but they resolved all that and reset the account following my complaint


    2. I agreed the latest plan in principle but it was to start when I made the first payment, I haven't done that.


    3. I sent a CCA off over two months ago, it was signed for but otherwise no response at all.


    4. From memory of my new minimum payment I'm two months of full interest behind so I guess they gave me a couple of week too start the plan and then turned the card 'on again.


    And hello again btw

  2. Hello all,

    I have a Barclaycard from way back in the day, i was very slowly paying it off,

    I was out of work for a few months and they were very nice, froze the account

    and when i was back in work insisted on converting it to repayment plan at zero interest, great.

    It got a bit difficult at the end of the first year because they said I should have called them to renew the plan.


    I found out when their ten automated calls a day machine started

    which rather removed any goodwill on my side.

    After all sorts of nonsense they offered to put me on another plan.


    Rather less full of gratitude, I sent off a CCA request by recorded post, and it was signed for and opened.


    Since then, perhaps two months ago, nada, barring a monthly statement pointing out that I hadn't made my minimum payment and lumping on some interest.


    Can they do that as they are now presumably in breach?


    Not yet up to speed on Barclaycard,

    are they as terrible at keeping CCAs as the others,

    it is an old care, comfortably pre 2007 or whatever the significant date is.




  3. Hello all


    Not a cheep from anyone on this, I sternly told the only person that ever called me that it was on my file that I was only to be contacted in writing.


    I got something last week and opened it with a slightly nervous hand to see it was just a statement of account. "if you are behind with your payments, etc etc"


    So all splendid I assume

  4. Hello all, I did some bank charge reclaim back in the day and recently some Credit card CCA (excellent)


    My wife has produced all the original paper work for a NatWest loan from late 2008 for quite a lot of money, I've read a few threads but so far they're all five or more years old and I'm worried things might have changed since then.


    But the letter from the bank asking for the paperwork to be signed and returned also includes the PPI offer along with their advice to consider what she would do if she was out of work etc? There's a tickbox to indicate agreement that Nat West is not recommending PPI and 'it is my responsibility to check it is right for my needs' etc


    It has the a few codes bottom left corner and the date 26/06/2008 if that matters.


    What's the procedure/advice from here, the spreadsheet calculator and fos questionnaire or a SAR?


    (she thinks at some point they paid a claim on it, does that matter?)





    She was self employed at the time and the loan (84 months originally) is still alive, at some point they merged it into a business loan


    I suspect I'm going to be told to SAR ...

  5. Thanks for that Hammy, sorry for the late reply, I've been blissfully getting on with it, not a single scrap of anything from anyone regarding this, nada, which is excellent and I only wish I'd done it a long time ago and saved myself tens of thousands of pounds, ah well


    BarclayCard are cutting up rough with me now, so about to start the same procedure with them, they were very good with me when i was made redundant, then it all went wrong at the end of a repayment plan, i complained they got arsey about it while still sending me compensation, it's from a very long time ago so I'm very hoping the same problems with producing anything valid will apply


    Thanks again for the help and advice on this thread, reading it back was rather humbling



  6. hello again, no significant news, a long blissful silence following the dubious CCA, and then a call from a young lady being a little coy as to who she was, when I realised I said my file had instructions to communicate only in writing, from the MNBA days, and hung up


    A week later a Statement of Account and this week after that a colourful form asking for my income and outgoings


    So as per advice I've filed both on the pile of paper in the corner of my desk and will continue to do so until a Claim Form arrives


    Thanks again


  7. Hello and thank-you, good


    So I can ignore anything Link have to say to me in writing on the assumption that they will not go to court, and if they do I tell the court that no valid CCA has been provided?


    And I promise to gen up on the other threads (and send a SAR to MNBA)


    Thank-you for your help to date, it's much appreciated


  8. Good morning and thanks for the prompt reply.


    umm, good, I hadn't noticed that (yet). So the T&Cs they've sent are not those from the time of application and they've added my name and address? It does look like that, I didn't expect my name and address to appear on the T&Cs, have they done that to make it look more authentic?. My signature appears in the expected place on the application slip right at the start. If it has been pasted in how would I ever know?


    The first page of what I imagine is supposed to the original T&Cs refers to conditions 10, 1 etc when the first page start halfway through condition 10.


    Assuming the CCA is reconstituted at best and incomplete at that, where would that leave me now? I'll sent off a SAR to MNBA as advised but do I need to ask Link for anything else?


    Can I now rest easy knowing that should any sort of court action begin I can send in a defence that no valid CCA has been supplied, or I am getting way ahead of myself?


    Thanks again (working seven day weeks at present in case anyone thinks I'm being ever so lazy in reading up on things


  9. Hello again,



    here's what they sent me in reply to the CCA, with anything resembling a code or barcode blanked,

    apologies for the first effort and thanks for not letting it go up.



    As said the original T&C, straight after the slips with me 2011 signature seem to be missing the first page at least,

    and I can't see any signature from them,



    there's something hard to make out in the middle of the slip signed by me but it looks like a date stamp of some kind.



    And presumably those slips are tearoffs from a larger page?

    Is that significant or can they stand alone?


    Am I right to think that a CCA or a SAR puts the account into dispute, if so how will LINK know that if I send a SAR to MNBA?


    Thanks for the help so far and please bear with my endless questions,



    I do like to understand things.



    Aye aye to who and what LINK are and are not.




  10. Hello both and thanks


    They'd need the original what to be approved in court? I appreciate this is all known to you but not to me, thanks.CCA or T&C, they both look to my inexpert eye to be from 2001, although the T7C is missing at least a page


    As regards a SAR, at the time I was only interested in seeing if they could produce a valid cca, and the question now is whether sending a SAR might extend the time off from action by more months, this place, with all respect seems have become a little less polite than it used to be.


    I'll edit the pdf and upload over the weekend, thanks for the non-approval, yikes and sorry about me, I thought I'd been careful


    Thanks for the help to date, a lot of detail here that is new to me


  11. Hello all, I sent the demand for the CCA off as suggested not long after my last post, had the standard 'we need more time, about a month' reply and then it all went blissfully quiet and I started to think they couldn't find anything.


    Sadly an envelope arrived last night with what looks like a copy of the original agreement with my signature from 2001, the copy just about legible and a rather spick and span terms and condition running to a dozen odd pages, I've done no more than skim through it and sigh, and I'm yet to read the doubtless splendid document from this site on what constitues proper compliance. I'll scan it all and upload this evening.


    That was a short letter enclosed stating I owed 9.5k and was welcome to post them a cheque, yeah right.





    Here\s what I got in response to my CCA request. I can;t see any signature from MNBA bar what looks like some sort of stamp in the centre over the small print.


    The first set of T&Cs with my address at the time of the application start at what I assume is 10 ©, at least one page seems to be missing. That's two pages.


    The second set with my current address is 8 pages.


    There was a covering letter and what looks like all the things I would have entered into an online application, gawd I earnt a lot back then.


    Does a missing signature from them and a missing page of T&Cs (and any other T&Cs that would have existed between 2001 and 2015) make this invalid? I will read some other CCA threads, promise but grateful for any insdights


    And given it took them four plus months to respond to the CCA request, can I now send them a SAR for some more time off?


    Many thanks


  12. Well yes but if they're allowed to reconstruct then that's the easy way out surely?


    I recall getting one from someone, may well have been MNBA and it was a raggle taggle collection of photocopies and whatnot, with my signature on it somewhere, perhaps I might have given it more scrutiny at the time


    Oh well see what come from this one, if nothing else it's going to put off la Link for w hile I suppose

  13. Thank-you


    But if they have whatever you originally signed then they must have the original document

    and if they don't have the original document then what do they have to produce to prove an agreement?


    (I appreciate you might say this is in the Copies of Docs and Cancellations Notices which I suppose I should read)

  14. Hello all,



    I've had a long standing MNBA credit card that I've been slowly repaying at ludicrous rates of interest for a very long time,



    I was out of work for three months in the summer gone,

    MBNA were very reasonable, froze the account for six months



    when i got back into work they refused to agree to any sort of payment plan other than a capital sum

    and essentially insisted on defaulting and selling the debt on.


    So the seemingly rather notorious Link Financial have now invited me to call them to discuss options.


    I've just posted the CCA template letter, along with £1 PO and a printed signature.


    I'm a seasoned veteran of the happy time of bank charges so have the general gist although I'm a bit rusty,

    I remember how good these threads were for keeping continuity but of course all good advice is welcome. The debt is a little under £10k.


    Broadly speaking where is it likely to end up?



    I can afford a certain amount of monthly repayment but a capital sum is out of the question.




  15. Thanks for that, always been the way with this forum, finding key documents etc


    gawd, that all makes sense, I did contract law and the tutor pointing out that almost all contracts we enter in are disproportionate and unequal


    It be really nice if some bright spark had already run this argument sucessfully wouldn't it


    I'm really not sure that I'm the man to be the tip of the spear, I presume the banks would defend this argument


    To use this argument means a revised POC? Or is it a whole new case?


    Not your problem I know, thanks again


  16. Thanks Slick


    I suspect I'm going to call this a day, I did get a few cases settled, just such a shame that I didn't get the ball rolling a few months earlier and get it all done before the OFT stepped in to save me


    ah well, it was all such fun while it lasted


    Thanks again to everyone that helped


  17. hey slick, where did two years go?


    anywhere i can see a thread of that kind? looking around and the forumm threads about bank charges seemed to have died off


    what sorts of individual circumstances?


    I rather sobbed today reading how early in the thread I was offered 80% of my basic initial claim




  18. hello all


    I have a letter from the court instructng me to proceed or be struck out, frankly I've forgotten everything now and even then I ws doing a template claim


    Is anyone getting anywhere with their regular charges claims since the Supreme Court decision?




  19. Hello again all


    The court has invited me to do something about it or be struck out


    The last I ever did on this was almost get to court before being stayed due to the OFT at the last moment


    frankly I've forgotten everything


    is anyone pursuing their bread and butter charges claims with any real hope or has it now become a serious business with limited hope of sucess?


    Thanks all


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