Yeah chased up FOS , it now beeing esclated to THE OMBUSDMAN. But they agree that my claim should be upheld.

FOS are now at the point of escalting to the Ombudsman. So nearing the end hopefully

Done. I have pointed out the RMA also that any further action to collect amount will be deemed as harassment.

I thought as much. I guess if they ring again I should tape such conversations.

I CCA MBNA early this week and guess what RMA are now chasing for arrears. A small amount but not something i can pay right now.

Do you think I should send a copy off the cca to RMA and if so do I need to send another £1 postal order ?

I suspect MBNA have done this because i CCA them, is this not retailiation so to speak ?

I am just awaiting the Fin Omb. report, so will tell you how i go very soon. Its not a quick process thou with barclays.

Bump

I have chase MBNA once for Card fees and they hiked up my APR on my outstanding balance making it dificult to pay off quicker. They are now pestring me and threathening me to take out a Loans.co.uk application to secure the debt against my ooutstanding balance.

She also said she could force me to sell my house if i couldnt pay the credit card. Intresting. I thought unsecured loands could not force that ?

Seems egg have final come up with the goods It look like a Credit Agreement that is enforeable, so next will be charges Just for any one intrested it date 1999. I am going to scan a copy as I am concerned that no card limit is shown.

Will Scan and posta copy ASAP

Dont expect FOS to be be quick. It been 3 months now for me

FOS arent that effeicent. Still Waiting now !!! Barclay's appear to be dragging the feet. Still all is not lost if FOS dont come up with good I assume the courts is an option.

Dudley Trading Standards just fob you off and say use the Financial Ombudsman. Great Response, although expected.

Suspect FOS wont be much use either. Seem some people are above the law.

Can any one advise on wheterh i should continue paying this card. As I am worried if I continue to pay it I am letting them carry on with there antics.

I am going to go after egg for charges as well when i have £10 spare to SAR them. Any advice please

I have dropeed Trading Standards an Email outline eggs breach. Strangley enough egg have nowadd the £1 to my account. And apolgised state they are looking into it. I have respond and said that they are still in breach as such, and in the meantime until its found the account is in dispute

Hi further to my letter for a CCA following my card being cancelled the EGG have now written to us offering us our charges back??? I called them today to say I would like this sent to me by a cheque but they have refused saying it has to go onto my account as I have a balance?

 

Can they do this? I now cannot use the card with the high interest and cannot have access to the money they say I am due? They have NOT supplied the CCA?

 

Please help

Intresting you CCA them and they off the fee's back. Not heard that happen. You sure iyou didnt send a SAR ?

Ok so I cant take them to court. But is the anything I could do now. If it unenforcable, i am assume that in THEORY they cant add intrest or add fee etc etc.

I have sent the letter to obtain a copy of the Credit agreement I have with them for my credit card.

The Letter was posted on the 6th Feb 2008, it now the 21st Feb. 15 Days have elapsed And I thought I'd seen that they had to provide this in 12 days. ( Please correct me if I am wrong ).

What should my next step now be. Any advise welcome.

A warning my PPi cliam is with the ombusman so will follow your case closely. Barclays Dublin dont just turn over apprently.

All areas of high crime ( gun and drugs ).

Shame really cause manchester is a great city..

If It was me I would have written to them confirm the telephone call and got something in their system. They then would have had to respond.

Your bett off acting saying you spoke to x and that some clarity seems to be made on the latest statement and that you think the actual amount is £x.

Bump

Thanks. for advice.

Ok worked out what they owed me and sent the Initial letter off. Got the stand blurge that they wont do anything until the test case.

However they are now ring me and my wife up threatening not to pay bills now.

Any advice. My big worry is they wont pay our mortgages

It such a struglle when they start adding fees

yu are on a losing battle

Awaiting Ombusdman decision, now they have a bacl log of post ( nearly 2 weeks )

Letter to Ombudman and a letter to barclay request SAR on loan and PPI.