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  1. A big thank you to you all who helped and gave advice, had a reply from barclaycard today, predictably last day before their self imposed deadline. Letter acknowledges fault lies with them and admits they cannot even tell me where the £54 comes from as I paid the account in full. Also admits fault with them telling me the matter was resolved and all detail would be removed from my credit file and this not happening. Annoyingly it mentions aobut the six years and being statute barred and that this would not be the case as they had contact with me in January 2011 - never mind that the contact was querying the debt and in no way was the debt acknoweldged by myself. I'm actually in shock as they have sent me a cheque for £300 in view of the distress and inconvenience I have been caused and in apology for the poor service. I wasn't expecting that and even if I had thought they might compensate me would have expected £20 or something. So big result, still hate Barclays and all their companies though
  2. Just an update to say had a letter from them saying they are investigating and sorry I've encountered a problem with their service blah blah blah, will reply fully by Oct 26th so they've given themselves a month.
  3. Than you from the bottom of my heart. I will send letter immediately, thank you for the draft letter, I didn't really know where to start!
  4. Thank you all, your help is very much appreciated, it shows on my credit report as: Credit Card from Barclaycard Centre (I) / XXXXXXXXXXXX3261 Name Miss xxxxx Date of Birth xx/01/19xx Terms 0 @ £ 0 (Monthly) Status Arrangement to pay Current Balance £ 54 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 0 Start Date 21/02/1994 Date Updated 02/07/2012 Date Last Delinquent Date Satisfied Default Date Payment Amount £ 0 Previous Statement Balance £ 54 Cash Advance Amount £ 0 Number of Cash Advances During Month 0 Credit Limit Change No Change Minimum Payment? Promotional Rate; Payment History This table shows how you have kept your account over time, for infomation about individual months pass your mouse cursor over the coloured block Table won't copy but shows AP each month up to last month I don't recall if they ever formally defaulted the account but thats been removed as per standard timescales if it was. Just to confirm I have never had any communication form them, I just have a letter that confirmed what was said over the phone that account number changed for security reasons blah blah. I'll draft a letter to the Data Controller and post it her if I need help. Sorry got my figures mixed up its £54 not £45. just to be clear they have never contacted me about the debt, since I paid it back in 2001, the only contact has been from me querying it.
  5. I’ve got a bit of an ongoing issue with Barclaycard and my credit report and wondered if any of you good people could help. In my past I had a DMP but in 2001 I was able to remortgage my house enabling me to repay all my debts. Barclaycard had stopped sending me statements because I was on an arrangement to pay so I had to ring them and ask how much was outstanding on my account. I repaid the amount they had told me by cheque the following day and heard no more from them. Obviously as this was some time ago I had always assumed that this recorded was now removed from my credit record. To my amazement there is an with Barclaycard account on my record which has £45 outstanding and the account is still live, the strange thing is it’s not under the account number that I had. I contacted Barclaycard about this record and spoke to someone who was extremely rude, he assured me that this was indeed my account and that the account number had been changed for security reasons, he told me this account would remain on my record forever unless I repaid the money. At no time did I agree that this debt was mine. What can I do? Is it not true that this account should have been removed from my account after six years of no contact or repayment? How can I get it removed? I know it’s only £45 but it really sticks in my throat to pay it and no doubt that means another six years before it’s removed. What I don’t understand is why they didn’t contact me about it at the time if it’s residual interest or something. Is there anything else I can do?
  6. There wouldn't be a public outcry because 90% of the general public don't give a damn I'm afraid, thats the trouble with this country - every man for himself, but thats another story ;-)
  7. Thanks guys, excellent advice from you both, I'll let you know how I get on. My experience with Halifax is not good, due to a 5 yr old satisfied CCJ they refuse to upgrade my account but if you don't try then you don't get. I'm more likely to cry than get aggressive! Sam
  8. Hi, I've an account with Halifax thats going to go overdrawn tomorrow by £25, this is a first for me, I'm assuming that paying money in on the same day won't work as the DD is showing as being paid on my Credit card statement already, by the looks of it they are gong to charge me £58, £30 for the paid DD and £28 for going overdrawn. Does anyone have any experience with ringing them up and asking them to waive it? Is this likely to be successful or am I gonig to have to start off claiming it back with letters etc, I'm so cross with myself for letting this happen! Its a cardcash account so cannot even ring and ask for temp overdraft today! Grateful for any advice. Sam
  9. Zoot, if you're still on this thread your PM box is full!!! Apologies for the hijack Sam
  10. Me v IGroup 2nd March http://www.consumeractiongroup.co.uk/forum/mortgage-companies/30079-sammy-igroup-now-ge.html
  11. Hi guys, my court date is for 2nd March and I've still got another couple of weeks to get my court bundle in but I'll definitely be continuing, the judge ordered that my claim stay in small claims and I'm only claiming for an ERC, I had no late or missed payments or anything that would have required manual intervention of £2000 to repay my mortgage, the mortgage wasn't even fixed rate, it was a tracker at 2.5% above base rate. I am happy to go to court as its like has already been said I've incurred costs already and therefore have nothing to lose. Sam
  12. What a shocking disgrace, its no wonder people get in such a mess with mortgages when companies behave in this manner. I'm glad you got your money back. Sam
  13. I really really hope that means you've had the best news ever....................... Sam
  14. Thank goodness forthat, I've been thinking about you all morning. I'm so pleased it was ok after al lthe worry with JAMorgan, did they set a court date or will that be done later, the barister sounds lovely, at least he was genuine and honest, Eversheds would sack him if they knoew - LOL! We've only a three weeks until Dogwashes court date so lots of us are getting close now! Sam
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