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  1. In August 2018 I had my complaint against Barclay card upheld for my PPI Insurance held on my Barclay card from 1992 until 2004, the card continued without PPI from 2004 to 2011. I was unhappy with the redress offered as I knew that this card would have had an average balance of around £2400 a month during the period up to 2004. Barclay card offered me compensation which was inadequate. They stated as they had no records of my account previous to May 2004 (my PPI was stopped in April 2004, I found that to be a little too convenient that all my statements prior to May 2004 had gone mi
  2. Hi There, Not posted for a long time, but here goes! Owe Barclaycard £9000 and have sent them a CCA, they have replied with a letter sending me a copy of the agreement but not signed by me. They are saying the account is not in dispute because of any delay in providing your copy documents as section 78 (6) (b) was repelled on the 31st May 2008. It is now no longer an offence for a creditor to fail to comply with s78 (6) for more than one month. What is my best plan of action now. Thank you in advance for your replies. Steve H
  3. I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report. I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015. Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted. I was on a DMP until recently when I sent a section 78 request to Link and stopped paying. They did not comply with the request and subsequently issued
  4. hello everyone. just started this thread for a colleague, who needs some advice and is not very good with computers. history of debt Barclaycard credit card 01/2008 debt management 08/2009 arranged with Barclays a reduced payment plan which was accepted while on the debt management plan. PRA GROUP was assigned the debt from Barclaycard 08/2015 Last payment made 02/2018 Name of the Claimant ? PRA Group Date of issue 17/01/2019 What is the claim for – 1.The claimant claims the sum of £1834.29 for an outstanding debt
  5. Good afternoon, In a nut shell. Opened a BC CC in Mar 2003. Missed a few payments which meant that i incurred Over Credit limit charges. Over the course of the next 14 years, it escalated. Despite missing payments and over credit limit charges, BC doubled my credit limit on 3 occasions, June 2009, March 2011 and March 2014. Leading to more financial trouble for myself which was impossible to get away from at the time. Finally got back on track in 2018 and managed to clear the balance, but still incurring interest and some charges. Prior to each limit increase, my
  6. I ended up with 3 debts to Barclays bank - Premier Card / Overdraft and Select loan.I challenged Barclays on the way that they had been charging interest on my Overdraft and Select Loan. Very good news they did not challenge me back but simply sent me letters saying they would be writing them off. I have written to Robinson Way who now hold the Barclays Premier Card debt asking for my terms and conditions / interest rates/ how Barclaycard applied them to my account. Barclaycard have supplied a copy of the original agreement but have said " WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED
  7. Hi there, Looking to see if someone can give this CCA and accompanying letters a look over, I sent a CCA Request to PRA Group and got the attached back from them is it all there and legit? This is in regard to a recent agreement. Thanks in advance. Barclaycard Letter Redacted.pdf Barclaycard Base CCA Redacted.pdf Barclaycard CCA Redacted.pdf PRA Reply Redacted.pdf
  8. I have a credit card debt with Barclaycard dating back to 2014 and have not made a payment or been contacted by them for at least three years. Today I received a letter stating they are making a refund of £75 being an "inconvenience payment" and asking for a contact telephone number my bank details and a signature so they can make the refund. They also state: "We are now closing your account and do not require any further payments in relation to the outstanding balance. Your account is partially settled this means although there is still an outstanding balance on your account y
  9. I have/had a disputed figure with Barclaycard, which they either sold or passed to a DCA (different letters state different things). Neither Barclays or the DCA have had the nads to pursue the disputed figure through the courts and as I haven't responded to any of their nice "please contact us, we will do everything to help you" letters, I have under a year to go till the Statute of Limitations (SOL) kicks in. A couple of weeks ago, I received a letter from Barclaycard, apologising for their their being less than fair on me when I was a customer, and awarding me a couple of hundred
  10. Hi guys, new member here, with a situation which I thought seemed very wrong - I hope somebody can advise. 3 years ago I defaulted on a small barclaycard, which with interest and fees went from the £1500 limit to nearly £3000. The debt was sold on by Barclaycard to Robinson Way, and is now held by Hoist. I have an agreement to pay the debt off which works fine for me - I don't even notice it. I recieved a letter from Barclaycard a couple of days ago, where they own up to malpractice with fees and interest charges. As a result of this malpractice they have issued a compen
  11. Hi thanks to a member on here telling me to CCA Barclaycard I am looking for help. What makes it unenforceable I keep looking and some people say they have to produce original paperwork, others say they can send a revised one, being taken out in 1999 does it need to show my signature? Any help would be more than appreciated. X
  12. Hi all...some advice needed. I originally put a ppi claim in against barclaycard in 2011 using a claims company which after about 2yrs was rejected. Fast forward to 2016 and I received a letter from barclaycard stating they were reopening my case. They asked me to go online to their site and reapply.. Which I did with no reply. I went back online last week and reapplied again. Received letter Monday saying they were sorry that I had to reapply online again and they would look into it straightaway. Received letter today rejecting my claim as the policy started in 1
  13. Does anyone have a Barclaycard application form from 1990 please? I know it's a long shot, but sadly the copy they have sent me is unhelpfully more or less illegible for the relevant section, and I need the exact wording. What I can discern from it reads like you have to indicate in the box to opt out, rather than the usual indicate to opt in. The final sentence appears to say and the section is titled Here's how it looks:
  14. Hi Guys, A friend has just received a letter today from Hoist Portfolio regarding an application for a Charging Order on his property. This is regarding an old Barclaycard debt for approx 7K which was sold on to a DCA. At the time I was helping him him with it and the DCA failed to produce a enforceable CCA (Barclaycard circa 2001). He then put the account into dispute. Now, he claims that he knows nothing about the CCJ , so we checked his credit file and yes he has one from 2 years ago. If he had seen the claim form he would of defended as I was helping him with
  15. I want to send a SAR to barclays about an old egg card I had which they now own. The address I have is: Barclaycard Customer Relations Dept PO Box 9131 51 Saffron Rd Leicester LE18 9DE Is this the correct address to send the SAR? Many thanks!
  16. Hi Guys. Please can someone help me with this? A little long, but I will try to be brief. In 2009 I had a Barclaycard. I made regular payments and everything was fine until my situation changed a lot and I was unable to pay . I did the wrong thing (many would say) and just buried my head in the sand. I got various reminders, letters, and default notices and in 2011 I (some would say foolishly) wrote to all my creditors offering token payments including Barclaycard . I paid £1 a month for 16 months. The last payment was in February 2012 when I
  17. I have found that Barclaycard/ Stonebridge had been charging me for an accidental death insurance I did not want or apply for some years ago as being self employed and working at heights I had to carry my own special accidental death insurance. I have contacted both companies in March 2017, they passed me back and forth until late last year with no result other than an offer of £25 from Barclays and £50 from Stonebridge which I did not accept. In Stonebridges case they wanted me to sign a form saying that the payment was in full and final settlement which I found strange. I went
  18. Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by Barclaycard before it closed the account and transferred it to Link, who subsequently registered a default in September 2012. However, having gone through old paperwork whilst preparing a CCA request, I have found a default notice (section 87(1)) from Barclaycard (vi
  19. Hello, everyone. Barclaycard were chasing me for a debt I didn't recognise, and I asked for a copy of a credit agreement, which they couldn't produce. They then set Robinson Way on me, so I sent them the letter explaining that an unacknowledged debt in Scotland is extinguished after 5 years and received a couple of letters informing me that they'd passed this on to Barclaycard, and eventually Robinson Way closed the account. I can see on my credit file that the Barclaycard account is marked as settled, but the Robinson Way one, which is called Hoist Portfolio Holding 2 Limited
  20. Hi all, I'm totally new to all this and have had a situation develop over the last 6-8 months where I was unable to pay my credit card bills. My credit was 12k, I ignored it for a few months while dealing with some family issues. I got in contact with them in January and set up a plan to catch up over a 3 month period at £600 a month, I made the first payment but failed in February when I had to take weeks off dealing with my older brother (45) passing away and needing to help my mother through that process. When I called to tell them they told me the card was now cancelled and they we
  21. Hello all, Long story short. Put in for PPI and won. Paid off substantial amount on my credit cards. 1 month later received letter from B/card telling me they “realise” I’ve had a b/card for some time ( 12 years actually) at my current non uk address. They are going to cancel card as I’ve not got uk address. Is it legal for B/card to break their terms and conditions yet I have to comply, which I did when I told them of my non uk address. Seems strange that for 12 years they were quite happy for me to have their card but now due to paying off a huge chunk I’m now p
  22. Hi guys I'd like your thoughts on this. I have a Barclaycard / ex-Egg account - that defaulted back in 2012. In middle of last year it was sold to Hoist and then Robinson Way came chasing. It's a familiar story. Last payment on this was February 2012 (default was Nov. 2012), so I'm thinking "you sods!". I sent CCA request which has taken them months to comply with (I have all the time in the world!). I finally received a recon from them this week, with an I&E sheet attached and 30 days complete it (keeps clock ticking ). Reading between the lines
  23. Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  24. Hi, I have a mediation planned with regard to a small claim issued against me by Howard Cohen solicitors on behalf of hoist portfolio that I have a few questions about that I would like help on please. A bit of back ground information.. The debt for £2900 was originally passed to MDKP LLP in November 2014, the account was then assigned by MKDP LLP to their client Hoist Portfolio in December 2015. I had a payment plan set in place of £50 per month and made payments reducing the total outstanding to £2000, in around June of this month i fell in to difficulty and missed a c
  25. I have had a 2x Barclaycards since 1994. I have asked Barclaycard regarding PPI but have not got anywhere with them. I raised a complaint on their website in 2016 and received a letter rejecting the claim in Jan 2016. I didn't respond after that. I received a letter in November 2017 saying I may be able to claim on the Plevin case ruling. I did this and they said they would re-open my original case from 2016. I have not heard anything from them and rang them again on the 2nd Jan 2018 they said they were treating this as a new case and there was no time limit for
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