I have all details ranging from Jul-06 to Nov-11. In this I find 2 debits for 'card protecction' at £29.00 each. I am assuming that this is a theft proection or something rather than ppi? 2 annual payments by the looks of it, debits are Aug-06 and Aug-07. BUt I can't understand why there aren't any for the latter years. I am amazed at how many 'over limit' and 'late payment' charges are on there at £16.00 each. Are these justified? I've also found that for the duration of the card, there were credits made to Egg, ranging from £20 to £200 each month. I have no idea what this was. Really opens your eyes. I can't believe how I never paid attention to statements. Ashamed.

Hello, I hope someone can help me. I took out an Egg credit card about 2001 / 2002 & I have received from BarclayCard a copy of the credit agreement. The copy they have sent me (which I presume must be the only one they have) is not signed by myself as I applied for it online and I cannot remember being sent something in the post to sign and send back. Is this agreement legally enforceable and if it's not what should my next step be? Many thanks in advance.

Hi all I have been trying to help a friend with his PPI claim from BarclayCard. We got to the stage where he sent them the FSA form back, but they have come back with a rejection of the claim! He doesn't remember ever having been told or sold a PPI when he took out the credit card. He used to pay them by DD on a monthly basis. But, this was rejected by his bank last year and he decided to pay them by telephone going forward. It was during one of his calls to the customer service dept of BarclayCard that he was told he has been paying £60 per month for a PPI since the card was issued (2001)!! Unfortunately he doesn't have any proof of this, only the fact that he's been paying the PPI every month. Apparently the lady he spoke with at BarclayCard told him to continue paying his PPI until he's managed to claim ALL the money back! Any advice would be much appreciated. Rgds.

Hi to everyone. Can someone help, Have received some info after three letters but still waiting for statments from 2000 to 2008. Which calculation form do i use for credit card PPI, which APR do i use and do i use 8% interest? this PPI is still running on my credit card to scared to cancel it but also done know how to cancel it. Bob Diamond was in charge of Morgan stanley what a surpise. Thanks if you can help:?:

For some time now I have noted that Barclaycard incorrectly under quote my Barclaycard monthly statement interest rate. If I then pay the quoted monthly minimum payment as shown on my statement I find that next month my outstanding balance has actually " INCREASED ". I would have thought that this was not only a failure under Barclaycards own terms and conditions but is illegal. This underhand practice by Barclaycard must be adding millions to their bottom line when you also take into consideration the added compound interest to customers Barclaycard accounts. Any comments advice or similar experiences by other Barclaycard customers appreciated.

Can someone give me some advice please. I was with Morgan Stanley for years, it briefly changed to Egg, then bought as you all know by Barclays. When it changed to Barclays they sent me a new agreement and indicated where I should sign, they had indicated by a cross against PPI and I foolishly signed. I admit I was being treated for breast cancer at the time so concentration was not there on that issue. My Morgan Stanley was an online and I know I said no to PPI but it was still on there and everytime I tried to cancel it, they told me I had to contact the insurance company, which they said was on the policy, but I did not have a policy so I kept going around in circles. My question is as Barclaycard sent me a new cca when they took over do I just claim for mis-selling on that, or do I still claim for MS and Barclays together even though one is signed for and one was not?

Hi, I am a complete newb and have been reading through a lot of the old threads and think I've got a grip on what I should be doing but was hoping some kind users wouldn't mind glancing over my case before I act. I received a claim form from MKDP LLP on the 18.6.12 (well actually a lot later than that but that's when it was dated) via Northampton County Court. I owe them £3206.95 but simply do not have the funds to pay as I'm out of work and having to claim JSA. Should I try and defend this case or buy more time? Have been thinking of trying the CPR 13.14 as I really have no idea anymore how much I actually owe and have lost all records. I really don't want to have to face bailiffs so any advice would be greatly appreciated. Thank you in advance, Lucas

Hi everyone, This is a great website with tons of info. Love it! This is my first time posting on here. I am trying to deal with a court summons, and could really do with some help with the N9B defence form. ************************************************************* This is the background to the case: I have had a Barclaycard since 2000. The balance at January 2010 was £8,900. Due to various financial problems, I stopped paying them. Also in January 2010, I sent them a CCA request, and they sent me a reconstituted copy of a credit card agreement. I have not paid them or contacted them since then, however now they have sent me a claim form from Northampton county court bulk centre for £9,900 (although MKDP are named as claimants). The particulars of the claim are: " the claimant claims the sum of £9,900 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard 4929************ and assigned to the claimant on 10-10-2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. The claimant claims the sum of £9,900 and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction. " ************************************************************* Can I first be clear that I am not trying to get out of this debt, but I do not have the means to pay. I do not know if MKDP collections are just trying it on at court, or whether they have something solid to back them up. So now I need help with these questions: 1. Barclaycard only sent a reconstituted agreement in response to my CCA request. Is the debt unenforceable in court because of this? 2. Barclaycard only sent a reconstituted agreement in response to my CCA request. Does this mean they don't have the original executed agreement with my signature, and because of this, is the debt unenforceable in court? - Or is this just wishful thinking on my part? 3. What are the prescribed terms and what should I be looking for in the details of the reconstituted agreement that they sent me? 4. Part of the defence form says "if you fail to deny any allegation it may be taken that you admit it". I do not want to admit to anything, in case it is used against me at a later stage. In light of that, how could I word my defence and/or what should I include or leave out? ANY help will be greatly appreciated. Thanks all.

Hi all, Having some problems with mercers, looking for some advice please. A bit of background 1st, I have a outstanding debt with barclaycard for 12k, I had a very well paying job and was paying off my card balance every month without fail, until 7 months ago. I was on leave from work when I felt very unwell, I went to see the doc and was taken to hospital where I found out I had chronic kidney failure. I was in the ICU for 4 weeks then on the ward for a month while lines and a fistula were inserted into me. I am now on dailysis 3 times a week and unable to work. I explained all this to barclaycard when I got out of hospital and asked for a payment plan to be started, I got no help from them, they said they were not willing to enter a payment plan as it would take too long to pay off. They then said they would take me to court etc etc(normal threats) so I told them to go ahead and we would sort it out there. Now since then i havent paid anything, and now mercers are involved, to date over the last 4 weeks I have had 27 phone calls, I dont tell them who I am when I answer, I just say I will not discuss anything on the phone and to put it in writing. So far nothing has been sent. I sent then a stop calling letter by recorded delivery which they got 10 days ago yet the calls are still coming. what I need to know is what do I do next and what can I expect from them next? I am not bothered about the threats, currently I am staying at my sisters house, own nothing in the UK, no house/car or possessions so even if they did get bailiffs there is nothing for them to take, my house car etc are all in south africa where i was working before the kidneys gave up. And good luck to them trying to get anything there, LoL. thx in advance.

Hi Everyone I am new to all these and I have a baby and not much time on my hands at the moment. I wonder if you could help me. I have a credit card with Barclaycard for around 7 years. I have not been using it for a long time but repaying the credit by small amounts (I have about £280 left). I had a PPI on it for several yers and canceled it. I am trying to claim it back myself. I was missold it when I was given a credit card as a purk to my account I do not remember anybody explaing to me about PPI and my English was not that great at the time. I wrote to the Barclay card to provide me my credit agreement on 23rd April and included a cheque for £1. About 3 weeks later they send ma a letter that they were dealing with my request. A week later I posted them another letter by recorded delivery reminding them that they obliged to provide me the credit agreement within 28 days. I have nothing from them. What can I do next? Thank you very much for your time to answer me Vita

Hi, Requested CCA and SAR from Barclaycard late March 2012 Received reply seven days later saying they are dealing with my request for CCA Then received SAR response, 6 years of minimal info copy statements with nothing else. Sent follow up letter Re no CCA , "account in dispute" second week of May, this letter was sent recorded delivery, First Class, along with duplicate standard First Class letter, both to the same address as the initial CCA request. Royal mail tracking states recorded item being "processed through the system".. sent it to : P.O. Box 9131 51 Saffron Road LE18 9DE Have received nothing more in reply to initial CCA request from Barclaycard since. I'll follow up with Royal Mail Re pocessing letter, to move it on, are these actions feasible : 1. Send another recorded letter to address on Barclaycards letter of acknowledging the receipt of CCA request, stating the account in dispute. 2. Send notice of failure to comply with SAR/DPA request and begin a court claim with a complaint to Information commisioner to get the full information. My credit reference file shows the account is in arrears, nothing else. I have an agreement to make a monthly token payment which I made with Egg. Should I continue to make the token payment, and how do I deal with the SAR failure (as I want to reclaim charges from when the account began) ?

I had an egg credit card from 1999 to 2003, at the end of last year it was moved to Barclaycard. In 2003 i cancelled the PPI. It is so long that I cant be 100% sure why, but I think it was because I had been unaware that I had even had it up to that point. Although cannot be certain. I am unsure if I applied for the credit card online or over the phone, but think it was probably online, do Barclaycard have to tell me which method I used and whether it was one of the opt out tick boxes? I phoned b'card to commence a claim and they have now written to me asking for me to complete an FOS questionaire, because its so long ago I'm not sure how to answer this questionaire. They have stated that if i Do not complete this they will use the information they have to decide on my claim. Am I best to allow them to do this?? Now the matter is with Barclaycard are they paying out properly, where Egg wasn't always? Any advice on what to do next?

Hi Ladies and Gents, well, I sent a claim to Barclaycard regarding a Mastercard and Visa which I took out way back in 1995. One of the cards was closed in 2004, the other in 2005 but I thought I've got nothing to lose by sending a letter, so off I went. I'm lucky that I still have my letters received when I closed these accounts as well as letters from the Insurers. I also have a report from Checkmyfile from a few years back so all my dates for these accounts are in order. I would certainly recommend to everyone on CAG using this and Experian for checking on your debts and outgoings, I've found them invaluable. Anyway, this and my other claims for mis-selling are based on the fact I have a pre-existing medical condition (Diabetes, I'm on Insulin) which I've suffered for 34 years. I've never been asked and its certainly never been put forward that any claim could be rejected due to my condition. I've sent 2 letters to Barclaycard the first request in March giving them the 8 weeks allowed to reply, then in May a second giving a further 2 week both letters sent by Recorded Post and both signed for. Up to now (31st May) I've not had any correspondence from Barclaycard regarding these accounts!! My question is what or who next? Due to the length of time since the accounts were opened and closed would I be best going through the FOS or the FLA who I've been referred to in similar cases? I've not heard too much positive with the FLA they seem pretty toothless from what I've read but then what do I know? Is there another body someone might recommend? I'm fighting on a few fronts at the moment and its refusal after refusal lately but I've started so may as well try and finish. Any suggestions on this one would be appreciated, Theres more to come, Tenmen10

Hi, I've been on this site for sometime now generally browsing and what not but finally decided to try and reclaim some of the money wrongly taken from me by our nations finest after successfuly claiming £1000 from Capital One using one of those companies advertised here online a couple of years ago. Anyway lucky for me i already had a list of my charges after asking barclaycard sometime ago for all my past statements with a SAR so with using the spreadsheet on moneysavingexperts site i worked out my total charges and added 8% interest (as i saw many people do on this site and successfully claim back) Anyway i sent the prelim letter with scheduled charges + interest and got the usual auto reply so i then went on to send another letter which im assuming was the letter before action inwhich i got another reply trying to fob me off saying that they consider there charges to be fair etc etc and that if imdisappointed with the outcome i should make a complaint with FOS. maybe i should've done abit more reading because at this moment in time im stuck as to what to do.. do i file for a claim via the courts or give them another bash using another angle!? Please find attached all correspondence as i know it may help King Regards Tyrone *PS - Barclaycard Response L2 Dated 5th May... Was only recieved today 30th May 2012 and with it they attached a photocopy of my second letter i sent which was dated 10th May so i guess there already at fault and trying to discount the second letter????? BarclayCard Charges First Letter Dated 23rd April 2012.doc BarclayCard Charges Second Letter Dated 10th May 2012.doc

Hi all, I posted two SAR requests on 17/4/2012, one to MBNA and one to Barclaycard. Last week I received one from MBNA, so far I have received an acknowledgement from Barclaycard almost 4 weeks ago but still no information. Are they outside the 40 day period now or is it 40 working days they are allowed? Thanks

hi everyone im lookin for help regarding a credit card i used to have in 2007 ,i got hit with a lot of charges for late payment etc a i was strugglin to find a job . the account got turned over to a debt collection agency and i told them i was in the process of claiming my charges back. they understood the situation and put the account on hold. i put my claim in to barclays and never heard a thing from them or the debt collection agency and because the amount they ssaid i owed was practically charges i assumed they writ the debt off. recently i have had a letter from the debt company asking where i was with the situation as i still owe the £2250 debt and that i need to reply to them within 7 days or they will continue proceedings. im at my wits end ,i dont know what to do as i thought it was all settled . any advice anyone can give me will be much appreciated

Hello and thanks for your amazing forum I hope you can help, I've read loads of posts but can't find anything that matches my scenario: (I'll try and keep it brief!) I've got a C/card which was with Egg and is now with Barclaycard due to their purchase of egg. It's now down to £4300, (was more like £6k I think) I originally took it out in 2003 odd. I knew I had PPI with them, and so sent off my £1 and asked for my agreement, and have got back a letter which I wasn't expecting, stating that: "We are currently unable to provide a copy of the terms of your credit agreement as varied in accordance with section 82 (1) of the Act. We accept that we are therefore prevented from enforcing our agreement with you while this state of affairs continues. With immediate effect we have suspended your Barclaycard account (that's ok, I haven't used it in over a year, just been trying to clear the debt) We have taken this action because in our view there is a significantly increased risk that you will cease to make payments to your Barclaycard account. This is a temporary measure which will be kept under review. We have not closed your account. It then goes on to talk about cases where people have tried to get money back and failed, and says that I "should continue to pay". I've read loads of posts and forums about unenforceable debts and am confused. I also know that a lot of the account is made up of charges from when I couldn't pay. I am currently paying a really small amount monthly and have done for 1 year, since I wrote to them with my income and expenditure and offer to pay, while making regular payments so they had to accept it. Obviously, I was just looking into PPI and then was going to look at charges, but if I've got an unenforceable debt, can someone please advise what should I do now? I would love it if they would write the debt off. I have other debts which I am also looking into for PPI/charges, my total debt is £23,000. I have been struggling with debt for 10 years now, and it's time I put a stop to it. I now am proud to say I live within my means and intend to never touch credit again. Thank you for reading.

Hi all I’m writing on behalf of my girlfriend who has a longstanding debt which she has finally agreed she needs to look in to, but does not know where to start. She admits she has been irresponsible and has been scared to look into it for a long time, but having read around these forums for a while I’ve managed to convince her that there are processes that we should follow to see where things really stand, what really needs to be paid, and if there is anything she can claim back. I’m not particularly informed myself, but am prepared to read and invest time and effort into this to try and help her, and any help and advice anyone can give would be really appreciated. The debt is a Barclaycard credit card debt relating to the period May 2004 to January 2005 and was apparently passed to/sold to HFO Services in April 2006. My girlfriend says she spent on the card, and then tried to forget about it/run away from it and obviously at some point stopped paying the minimum payment. She was at university at the time and moved address frequently, and so we are presuming Barclaycard chased her for payment for a period before passing/selling the debt to HFO Services in April 2006. We attended a Barclays branch recently and explained that she wants a full itemised breakdown of all transactions and charges on the account from opening to closure for the purposes of claiming back PPI (which she had) and also any late payment/other charges which were made by Barclays (which she thinks she remembers), and also to find out exactly what the final balance of the account was when it was passed to HFO Services. Barclaycard said that she would need to write to them and enclose a cheque for £10 – so I’m presuming that this is the SAR request that I’ve read about? Barclaycard then confirmed the date in April 2006 that the debt was passed to HFO Services, and also that the amount was circa £3000. So – obviously there are processes to go through to reclaim PPI and possibly charges, what should we be doing here? Next, and most importantly – HFO Services. My girlfriend only remembers the following correspondence with them: January 2011 – They called her demanding money, my girlfriend only remembers agreeing to set up a direct debit which she paid a couple of instalments on before cancelling. March 2011 – This is the date of the most historic paperwork she has from them. It states “72 Hour Notice Of Litigation” – red writing, multiple pages, with lots of scary looking court information and statements saying basically that their solicitors will be issuing court proceedings if not contacted within 72 hours. Looks similar to the correspondence you get from Private Parking Companies (something which I have extensive knowledge on and have accumulated and ignored many unenforceable demands for money over the past few years). It also states “the balance of your debt continues to increase” and states that the debt is circa £5000!! Circa £2000 more than the final figure given by Barclaycard! August 2011 – They called again, girlfriend says she again set up a monthly direct debit to them. This is documented in a letter stating the amount and payment date, and also the debt owed is now somehow circa £4000!! Down around £1000 from March 2011, but still around £1000 more than what Barclaycard said the final balance was. There have been no other phonecalls or letters since and my girlfriend has paid an amount monthly by direct debit since September 2011 without break. I called HFO services on her behalf in March 2012 to ask for some information and was told that the total amount when passed to HFO by Barclaycard a bit over £4000, and this was in May 2006. This is a month later and over £1000 more than what Barclaycard have told us! They also said that the account was “up for review” in April 2012 – whatever that means, mentioned something about being able to offer a reduced amount for a one off payment to settle the account, and that it was being passed to Roxburghe. Sure enough, in April 2012 my girlfriend received a letter which has HFO letterhead, and HFO Capital Limited address (unlike the other letters which have HFO Services letterheads and HFO Services, Surrey addresses). This states “Notice of Appointment” says the account has been passed to Roxburghe Limited for servicing – but also states that: “any correspondence or enquires relating to your BARCLAYCARD debt, owed to HFO Capital Limited, to Roxburgh (UK) Limited” The outstanding balance is now a little under £4000 – with my girlfriend having paid monthly direct debits since September 2011 as stated. The only other information I can currently give is that when I rang HFO Services the guy told me to check her credit report - there will be a default registered and there is a default balance. Should we do this? Is this relevent? Can anyone advise on what to do now? I’ve read things like HFO Services are being investigated and may not have a right to collect these types of debt, the debt is over year and so might not be enforceable, something to do with HFO Capital being abroad so that is something illegal, they may not have the right to collect the debt – something to do with getting CAG?, etc. I’m just looking for advice on what processes to follow now, what letters to send, etc – and what to do/not? Should my girlfriend keep making payments? Etc? We want to find out how much really needs to be paid – if anything – and then if there is an amount to pay – to settle it in full and move on. Many thanks for reading.

Barclaycard is axing its loyalty points scheme 'Freedom', giving customers two months to redeem their rewards. Barclaycard said that the scheme – which is available to the majority of its 12 million customers – is being scrapped because it wants to focus on 'other product development'. http://www.thisismoney.co.uk/money/cardsloans/article-2148253/Barclaycard-scraps-Freedom-loyalty-scheme-giving-customers-months-redeem-points.html

Dear all, I got a little carried away recently trying to get the ball rolling in claiming back ppi and looking at my old statements I thought I would try and claim back some late payment/overlimit charges on my accounts.. I sent a letter to Barclaycard requesting my charges back with an attached spreadsheet of the individual charges and dates, which tallyed up to approx £700, I think I have made a huge mistake as I calculated 8% interest on each individual charge from the date of the charge to the present date.... making the total to around £1000 with interest. Have I got this all completly wrong?? As I have sent the letter already what should I do? Compose another? Im so cross with myself I rush ahead and end up getting it all wrong!!!!! Thanks for listeninga nd any advice will be welcome xxxxxxx

Hi all, after SAR for my CCA to Barclaycard i have received T&Cs from them and a letter. The T&Cs are current barclaycard ones, not the one that was in force when i took out the CC with Morgan Stanley. The letter states that they cannot find my CCA and therefore have suspended the account but will continue to try and collect payments from me and use third parties to collect if required. Also, they will continue to call and make demands for payment from me. They state a case of McGuffick V RBS 2009 as an example saying that none of these steps constituted enforcement. Also, carey vs HSBC stating that unfair relasionship cannot be said to have arisen between us as a result of no complying with section 78. Need advice as to what to do next. Should i just ignore them, however this will have a negative effect on my Credit Report, as they will still be reporting to them. Or do i write to them and fight the case that it is not enforcable therefore you cannot use 3rd paties and cannot report to CRA etc etc.... Thanks all

Just after a little bit of advice regarding SAR request that was sent to Barclaycard, it seems that they have received it as well as a Telephone Harassment letter that was sent in the same envelope so I'm not sure to which they are repsonding, but I received this email today. Should I respond to the email, or telephone the number stated or just wait out the 40 days for the SAR and also hope that the amount of telephone calls stop, as of course in the telephone harassment letter it was stated that all dealings of my account should be in writing only. Regards, kingofkings

Hi, I'm after some advice for my father-in-law. He has recently had a visit from Resolvecall but he wasnt in at the time so they left a card saying this was their first visit and to call the office before 8pm. It is regarding a credit card debt with Barclays from about 5 yrs ago. Basically he was made redundant and due to ill health couldnt get another job, had to sell their house and are now renting. They struggle to make ends meet as it is so there's no chance of him being able to afford any repayments. He has had letters over the yrs but has ignored them and this is the first time he has had a doorstep visit. After looking on this site I emailed them the letter (from my husbands email address) telling them he did not wish to make a home visit appointment but they have replied saying they will not stop any future visits until my father-in-law gets in touch with them directly. He is scared to death of them coming round again which is why I am dealing with it. What should we do now? Any advice appreciated. Thank you

Hi all !! I am about to send Barclaycard an SAR for a card they 'bought' from MSDW. It would appear they added PPI to the card after it fell into their hands. I have only recently picked this up as the PPI was provided by Axa, who also do my health insurance for teeth and glasses and they also made the mistake of paying a (cancelled) rolling payment to the RAC which put the card over it's limit. So as well as PPI there are going to be Over Limit fees to deal with aswell. Quick question, is £10 enough for the SAR as I want to see the/any CCA they may hold or is it worth adding the extra £1 to make sure. Really the £10 should be enough as I want everything they hold on me, but knowing how slippery Barclays are, I don't want any hold ups. ( I think I have just answered my own question!!) Thanks for taking the time to read this, Lex

Hello everyone, I am putting all my ppi charges from my Barclaycard into a spreadsheet. I am just wondering as this amount was added onto my account monthly is it correct to add the 8% interest onto each single payment? It seems alot, for example a £26.38 ppi charge on my account one month in 2004, now has £21 interest on it? so this makes the claim 47.38? is this right? I have been paying ppi for many years on this account and this would add up to quite a high figure. Many thanks for any help in advance xxx