Can anybody advise how long I will remain on the CIFAS register. I have been put on the Cifas register by Barclays bank. The category used was aiding and abetting. I know I can try and fight it but it has caused me so much stress and time that I feel for my own well being I should just wait until it comes off the register. I am not a fraudster but had money paid into my account which I reported to the bank. As a result they closed my accounts and added me to the CIFAS register. Thank you

Can anyone advise as to why the following as I'm baffled �� Took out a secured loan back in 2005 with Barclays plc (firstplus) unbeknown to me it was secured on my house (I was young an niave at the time) only found out it was a second mortgage when I sold my house and solicitors advised of the 2nd mortgage �� What I'm querying is why I signed an agreement in 2005 with Barclays plc on the loan agreement then in 2008 I was forced to sign another agreement for the same loan but this time the headed document was with Barclaycard? The interest rate was higher. First agreement for a loan of 9500 with interest of 5920 sign 2005 9.2% interest Then the 2nd agreement loan agreement of £7299 with interest of 5200 signed 2008 10.48% interest I was forced to sign the second agreement as apparently regulations had changed. I paid this loan off in 2010 but something has always nagged me to say...something isn't right hence I've kept all paperwork. I can't see anything about PPI on either agreement. Both agreement wording the same apart from company name different, 2005 Barclays plc and 2008 Barclsycard.. Can anyone offer any advice as to why I was forced to sign another agreement or have the baliffs sent to my house? (Even though I'd never been in arrears)

Hi. Just after some thoughts. My dad went to a Barclays branch in 2008 to take out a business loan The branch staff member stated that he could not take out a business loan to start up his business As an alternative, the staff member suggested just taking out a personal loan in my mums name as my dads credit file was terrible - despite him knowing it was for business purposes. They went ahead with this advice. My mum and dad have since split up and she's left with this loan amongst other debts he's left her with. Obviously with it being a loan it's in her name only and she is liable for it. She's in financial difficulty and I am trying everything I can do to sort everything out. My main concern here is that the staff were happy with a personal loan being taken out for business purposes and stated 'just pretend it's for house renovations'. This was in fact their idea too. Might not be anything, might be something, but during such a difficult time I'm not leaving any stone unturned. Further information ..... http://www.consumeractiongroup.co.uk/forum/showthread.php?479077-Barclays-unknown-debts

Hi again This is my second thread in regards to an ongoing problem Unfortunately my mum has been left with debts that she has no idea about from her marriage which has broken down These debts are with PayPlan at the moment who are paying all creditors each month with a lower monthly repayment and 0% interest. This plan was set up between her and my dad when they were together as she could not manage her repayments She has now asked PayPlan to send her a summary of such debts which are in her name. On the summary it states that 4 debts are to Barclays and 1 to LINK. The references suggest that 1 is a loan that we know about (see my other thread). http://www.consumeractiongroup.co.uk/forum/showthread.php?479075-Barclays-Personal-Loan It looks like another is a current account as they said it was in 'joint' names and I know joint loans/credit cards do not exist. The reference is 5082XXXXXXXXX which also suggests it's a current account because the sort code of our area is 20-50-82 so they've missed out the '20'. The only thing that doesn't make sense is the fact it is followed by 9 numbers instead of 8 so we cannot use it as an account number. The other 2 seem to be credit cards that have reference numbers on there. We went into branch today and the member of staff could see the loan that we know about and some closed credit cards which do not match the reference numbers for the outstanding debts. He could not find any other accounts in her name. PayPlan have confirmed that the LINK debt was a Barclaycard so I assume that because the other 4 debts are still displaying 'Barclays' rather than a debt collector the debts are still with Barclays. Am I right in assuming this? Obviously we know that the 1 loan is still with Barclays as they could find it on their systems, but nothing else. So as you can see I've done a bit of digging already and ultimately want to make sense of it all because my mum is clueless as to why there's so much debt in her name on this 'plan'. They claim this is her section of the plan they had between them, as these debts are apparently in her name. I want to identify each debt and also see proof that these are actually hers to pay. As you can imagine this can seem like an impossible task when only 1 can be found on their systems. The LINK debt will have to be dealt with by LINK as far as I know. Any advice to tackle this would be greatly appreciated.

3 weeks ago I asked for a redemption statement so I could repay my mortgage. The first statement that sent included £195 final repayment charge an interest payment that I couldn't understand how it had been calculated and a monthly payment that had not been credited to the account. I questioned these and was told that Id agreed to the final repayment charge when I took out the mortgage and the interest payment was calculated pursuant to terms id agreed. The next redemption statement was correct save for the interest Of £84 and the £195 fee. I took issue with this again but got no where. I rang the FOS and they contacted Barclays and registered a complaint. Ive just spoken with their complaints dept and they now acknowledge that my mortgage offer did not include a repayment charge and they have failed to justify the £84 interest they've debited and are now saying the two redemption statements were just for illustration purposes. I accused them of Fraud pursuant to section 2 Fraud Act 2006. I await their next response. Naughty, naughty. Regards

Hi, I am currently with the fos with a claim for mis-selling of account and o/d charges reclaim for financial hardship. The FOS seems to side with the bank and is asking for t&cs of the accounts I held at the time, Additions, Additions plus and Premier. The bank has lied about products provided on these accounts and I need access to welcome packs and terms of conditions for the said accounts. Any help would be appreciated. Thanks in advance

Hi Ok i am trying to Re claim my accounts fees as they were missed sold to me. I have all my statements after i finally got my SAR request through. I am claiming back to 2006 when i was signed up to additions account without my knowledge. I have drafted this letter. Dear Sir or Madam, Account name: First Additions Account number: I have had the above account since 1st February 2006 but believe it was mis-sold to me for the following reasons. - I didn’t know I was paying and don’t remember ever agreeing to having this account. - I was upgraded without my knowledge. - I wasn’t told there was an alternative, free account. I am writing to request a full refund of the fees I have paid plus any interest owed to me. I have enclosed a copy of the schedule of account fee charges. I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service. Yours faithfully, Now i may need to change the last paragraph as going to the fos is a waist of time. So i believe the court route is required. Can someone tell me what the timings are before court action is this similar to bank charges. Thx Rob

https://www.theguardian.com/business/2017/jun/20/sfo-charges-barclays-bank-executives-ceo-2008-qatar-fundraising I reckon they will get off with a slap on the wrist and a fine.. this after the SFO will have spent £thousands if not £millions of tax payers money trying to make a case against them.

I visited a Barclays bank branch in February. Whilst there, I paid a cheque into my current account. I then asked for funds to be transferred from my current account to my Barclaycard Visa card, in order to clear the outstanding balance. The cashier asked for my debit card PIN, which I had never been given, after which she refused to process my instruction. This is despite my being able to use the card for online payments. By refusing to transfer the funds, the bank had effectively declined to allow me access to my own money. The cashier then said she could arrange for a new PIN to be sent to me, and then proceeded to ask for my mother’s maiden name. I told her I was not prepared to disclose this verbally in a bank full of customers. She then pushed a piece of paper under the window so I could write down the answers to the security questions. Once I had correctly answered them, she proceeded to order a new PIN for me, but still refused to process the payment I had requested. I wrote to their customer services department to complain, and to ask for their assurance that such a regrettable situation would not be repeated. I explained that there is no conceivable scenario under which anyone would attempt to pay off my Barclaycard from my Barclays current account for fraudulent reasons, and of course, nobody other than myself would attempt to do it because the only person who would benefit is me. I then received a text message from Barclays, despite having previously written to them to say I did not wish to be contacted by text. I followed up my original complaint letter and asked them to remove my mobile number from their system. I then received a letter from them in which they acknowledged my complaint, and asked me to confirm that the mobile number they had for me was up to date (yes, that’s right folks, the one I’d already asked them not to contact me on.) I didn’t get a reply to my next letter so I wrote again and asked them for their response. About a month later, they wrote to me and said that because they had taken so long to address the issues raised in my complaint, I was now entitled to ask the FOS to become involved. I wrote back and said I thought it was ludicrous that they were happy for this to happen rather than deal with it themselves. I asked for £150 compensation for the time I’d had to spend dealing with the matter. A few more weeks later, I received a letter telling me they’d finished their investigation. In this letter, amongst other things, they said, “If a customer does not have their PIN with them, we would then attempt to identify the customer by asking security questions instead.” This kind of misses the point I’d made in my initial letter to them, which is that the cashier did ask me security questions, which I answered correctly, but she still refused to process the transaction. The letter went on to say that no bank error occurred, and they thought they had followed the correct procedure. They did add however, that because of the time they had taken to resolve the complaint, they had credited my account with £100. The interesting thing here, is that they haven’t resolved the complaint. The statement in their letter regarding attempting to identify customers by asking security questions is at odds with what happened next. I visited the same branch yesterday, this time armed with the PIN they’d recently sent me. I asked if I could transfer funds from my current account to pay off a Barclaycard balance, a nd when I keyed in the PIN, the terminal said it was incorrect. I offered to sign for the transaction instead, but the cashier refused to accept this. I offered to answer security questions, but this was refused as well. I explained the statement made in their most recent letter regarding identifying customers by asking security questions, but the answer was still no. I told them I’d already made a formal complaint about the first time they’d refused to allow me access to my own money and that I intended to do the same again. By the time I left, there was a queue of at least six other customers behind me. One of them congratulated me for my persistence as I was leaving, and said he’d experienced similar problems with them. On the basis of the above, I have now filed a complaint with the FOS, who were very helpful when I had a dispute last year with Santander, and who obtained a satisfactory outcome for me. I’ll let you know what happens with this one. In the meantime, has anyone else had any similar experiences with Barclays or any of the other banks ?

I have just received a reply to my on line request for a refund of premiums paid on a loan taken out in December 2007. The loan was a top up from a previous loan , In 2008 I suffered a very big downturn in my business and was unable to pay the loan , it is now statue barred . In the letter today it says the account is still active ! They have sent a cheque today for a part payment and have offset the rest to the debt , can they do this with a statue barred debt ? Thanks for looking Tonks

Hi Y'all and Happy Easter I was wondering if anyone would be able to offer me advise regarding my claim with Barclays over mis-sold package account? I have had an acknowledgement saying that i had an ADDITIONS account in 1999, but i have no statements going back that far, only from 2004 when it was upgraded to an ADDITIONS PLUS. Does anyone know how much I would have paid in fees per month, back in 1999, for a Barclays ADDITIONS account? They are taking forever on this, I first complained in December '14 and have only just had acknowledgment wanting more info - I had an ADDITIONS in 1999 which was upgraded in 2004 to ADDITIONS PLUS and in 2011 to CURRENT ACCOUNT PLUS ( I left in 2012 as I was having problems with them raiding my mortgage account to pay my barclaycard) But as I have no statements from 1999 I don't know how much I was paying for the account Jo x Thanks to anyone who knows and can help

Hi All I have opened a claim for refund of Additions account fee's and have received a questionnaire to complete; which I would like some advice on how best to proceed. Here are some background details first: I first became aware of Package Bank Accounts last year when a colleague at work told me that he had reclaimed some money. I was shocked; having only ever banked with barclays for the last 24years I genuinely thought that I had to pay for my bank account and that the insurances etc. were free perks. I decided to pursue a claim myself; I only have statements from 2011 I did an SAR request on the internet in around May last year. After 45 days I had not heard or received anything I rang the number given on Barclays site; the telephone banking agent gave me a number to ring for the SAR team. I rang the number several times but it was a dud number. Made an appointment at the Bank, spoke to an advisor who gave me an SAR request form to fill in; I filled this in and sent it recorded delivery with my cheque for £10. They received the form but again after 45 Days nothing. At this point I gave up. In December I recieved the letter from Barclays saying Additions was being removed and offering the Fee Free Account; In January I went to the bank and cancelled the Tech and Travel pack. This spurred me to look at claiming again. I read on the internet that even with an SAR they only go back 6 Years; so I thought well I won't gain much from it anyway. Is this true that they only go back 6 years? this is what I know: I opened my current account with Barclays in March 1993 at the age of 21; this was my first current account and to this day is the only current account I have ever held. Through research I found that the Additions account wasn't introduced until 1996 I must initially have had a fee free account? I do not recall ever agreeing to the Additions account; I do not recall agreeing to iot being upgraded to Additions Plus. I do not recall agreeing to the cost of the account being hiked up over the years. As long as I can remember I have paid a fee; I definitely remember it being £6.50 a long long time ago it may have even been £5.00 but not sure of this. I remember it being Additions then Additions Plus; before I opted for the Fee Free account without the Tech or Travel pack in Jan this year the fee was £16.00. Over the years the fee increased; I rember it being £13.50 at one point. I think I may have had it from the beginning before Breakdown cover was included; I know I had CPP card protection and I have a vague recollection of having a tag to go on your keys incase you lost them? I suspect that my account was upgraded to Additions from my original fee free account without my knowledge. Initially I did not have an overdraft with the account; I asked for one at some point many years after I had opened the account somewhere between 2000-2005. I only asked for a small overdraft for emergencies only and it was only a small one I would have only wanted £100 and probably wouldn't have used it in the beginning. Maybe I was conned into having additions at this point; but I am sure I already had it. Regarding the insurances; I have only ever used the Breakdown cover and only once bcause I thought it was a free benefit to an account I had to pay for anyway. I have never had any expensive gadgets or a mobile worth insuring I have never used gadget insurance. I only holiday in the UK and would never use travel insurance. Over the latter years I have used my overdraft but again only because I thought it was a free perk to an account I had to pay for. If I had had a fee free account I would have managed my money differently and could have done without the overdraft. On January the 24th I this to file a claim: Packaged Bank Account Claim: Barclays Sort code or branch name: xx-xx-xx Existing complaint reference: N/A xxxxxxxxxxx I am writing to you as I believe the packaged bank account which I have had since some time after March 25th, 1993 was mis-sold/inappropriate for me. This is because... - I don’t remember ever agreeing to having this account. - I was upgraded without my knowledge Additional information: - The addressess that I have lived at whilst holding the packaged bank account are: xxxxxxxxxxxx I have no recollection of ever having opened a package bank account. I started banking with Barclays on 25/03/1993 when I opened a current account; I think that the reason for opening the account was that I needed an account to have my wages paid into. You are the only bank that I have ever banked with and this is the only current account that I ever held. At some point it seems, my current account became a packaged bank account but I do not remember ever agreeing to this; I remember along time ago on my statements paying a £6.50 account fee which has been risen over the years to £16.00 without my consent! I thought that this account fee on my statements was exactly what it stated; a fee for my account that I had to pay to have a current account; I did not know that the fee was for the additional benefits such as travel insurance, breakdown cover etc.. I thought that these came FREE with the account and that the account fee was for the account itself and NOT to pay for these benefits; which I never requested anyway. Upon receipt of your recent letter informing me that Additions is being removed and giving me the option of removing the benefits; I have cancelled the tech and travel packs and now have a fee free account whilst retaining my overdaft facility which is all I have ever required from my bank account. [removed template details - dx] Today I recieved a reply and a questionnaire to fill in. After researching on this site; I think that my strongest complaint is that Additions was applied to my account without my knowledge or approval rather than it being mis-sold. I think that this is reflected in my Complaint letter above. Reading the questionnaire: Section A asks for details of my Package Account. Section B asks - Am I complaining about the sale of the account. - If NO go straight to Section F Selecting NO here skips all of the questions in the questionnaire and takes me to Section F - any additional information Section G - Your declaration. End of Questionnaire. Should I select 'NO' in Section B and skip all the questions. Can anyone advise what additional Information I can give? Also If the question is asked of when I became aware that I could have a fee free account and could make a complaint; should I say December 2016 when I received the letter which is simpler ( But will they be suspiciouse of my earlier SAR requests and visit to the bank regarding them). Or should I be honest and say that I heard through a colleague early in 2016 ( They may ask why it took me so long to switch to a fee free account and to make a complaint - which was because I was waiting for my two SAR requests). Any advice on how to proceed with my claim will be gratefully accepted; I will keep an eye on my thread, respond to any replies and update my progress. If I am succesfull I will make a donation to the the forum in thanks. Thankyou in advance. Alice

Our company has experienced gross mistreatment by Barclays Bank and its Business Banking Relationship Manager, [removed]. After the request for an overdraft facility, we were forced to sell assets to fund investigative work for an external accountant, arranged by [removed]. Barclays Bank unilaterally changed the interest rates via side letters and charged us unnecessarily with arrangement, valuation and business consultancy fees. The Barclays Bank continued to charge us but never offered us any support. Did anyone have similar dealings with [removed]. or Barclays Bank you would like to share, so we can possibly build a case for potential legal actions?

Anybody else had something similar?? My small building company had a bit of a cash flow problem so we decided to sell some land. We had a site on the market with local estate agents for £750K, 9 years ago. Barclays insisted, and I mean INSISTED, we place it with a company in Leeds. They were reluctantly employed by us as estate agents in June 2007. By July 2008 they hadn't even placed a 'for sale' board outside or advertised the land in any way, despite angry calls from me. 13 months of doing absolutely nothing, and in which time, our debt to Barclays had increased by over £75K. Due to no interest in the land, not surprisingly as it wasn't advertised, Barclays called in the debt and appointed the very same man from the very same company as Receiver. After lots of arguing and highlighting this guys dodgy dealings, the Receiver resigned his position and we were given control, not ownership, but control of our land back. It has cost our family approx £1.3M as a whole, and although I keep complaining, Barclays insist they have done nothing wrong. How do i get the truth?? Constructive Liquidation I have called it. Anybody experienced anything similar??

Hi all, My father has held a credit agreement between himself & Barclays since October 2014 (Credit intermediary is Cathedral Motor Co). He's already had a phone call from the dealer about refinance / settlement for a newer model & he asked me to take a look at his agreement and see if I could work out a rough settlement figure. However I've read the agreement a couple of times now, I dont know if its late and I'm tired but I dont think it's been worked out correctly. On the Pre-Contract Credit Information it shows that the cars cash price is £10,145.00, of which my father traded in a car for £1000 as a deposit. This shows that the total amount of Credit is £9,145.00. It then lays out the Repayments as "First Monthly repayment £259.67, followed by 46 monthly payments of £160.67 and a final repayment of £4,049.00". The total amount you will have to pay states "£12,860.16 (This includes any deposit you have already paid)" Now the conditional sale agreement shows figures as follows: Cash Price: £10,145.00 Advance Payment: £1,000 Credit Amount (less Advance Payment): £9415.00 -- There is a line of text saying "We use the amount of credit to by the vehicle from the dealer" Total Charge for credit: Credit Facility Fee: £99.00; Completion Fee: £199.00; Interest: £2,417.16 . Total £2715.16 Total Amount Payable: £12,860.16 First Payment: £259.67 Monthly Repayments: 47 repayments of £160.67 Final Repayment: £4049.00 Interest Rate: 4.65% per year Fixed; APR 10.4% fixed This is where both of us are confused.... Pre Credit agreement: £259.67 + (46 x 160.67) + £4049.00 = £11,699.49 Conditional Sale Agreement: £9415.00 + £99.00 + £199.00 + £2417.16 = £11,860.16 Conditional Sale Agreement Repayments: £259.67 + (47 x 160.67) + £4049.00 = £11,860.16 The statement from Barclays each year shows at the top right: Total Amount of Credit: £9,145.00 Total Interest Amount: £2,417.16 This of course gives the total of £11,860.16 - so why does the agreement state the £12,860.16 is payable, where has the £1,000 difference gone, plus is it 47 or 46 payments? If anyone knows how to work out approx settlement on the above info it would also be greatly appreciated.

MY 16-19 account had been opened in december 2016 and yesterday, the 23rd of February, I received a letter that my account was being closed, and that Barclays were unable to continue being my bankers. It offers no other explanation. I realized yesterday that my card was missing when I attempted to call them and tried to find my account number and sort code. I decided to go into a branch and was told that my account did not exist. I'm concerned whether there is any way I can reverse this decision and whether I will be able to open an account with another bank or building society such as Nationwide or Santander? There is no issue of money being stuck, more the inconvenience of having my account closed down and having no idea about it

I returned my partner's account to zero early last year. Unfortunately there was a pending charge, and my partner didn't use her account or check the balance again until late last year. It had ballooned into a large amount of overdraft from that one pending charge. Barclays were unwilling to generously be sensible about it, and my partner wouldn't accept the terms of my offer of help, which was that I'd return it to zero (for the nth time) if she closes her account, as Barclays don't deserve our blood to suck on, and she doesn't need a spare account. Since then I imagine it's continued to balloon. I imagine DCAs and court action have happened or will happen soon. My options are: 1) Cave in and pay. 2) Refuse to cave in. Tell her to point out she has no income of her own, and they should accept the one charge with say a staggering 100% annual APR added, which is still a lot less than they want but they're still accepting something that sounds eye watering. I have no idea about implications to credit ratings, so I think that will influence the decision. Thank you very much for any advice.

Blimey, it's been a while - hello lovely people! I'll save the recap of the last 8 years for another thread (all good though, largely thanks to CAG!) I was shredding old statements last weekend and noticed payments to Barclays Select (the revolving credit/loan facility they provided way back when) On the offchance I called Barclays PPI claim number and after a great deal of faffing around he managed to get a useable reference from the old statements (as the computer denied I ever hair a Select Loan!) After he admitted I did actually have a Select Loan he went through the mis-selling spiel and has submitted a my (potential) PPI claim online I have no idea if there was PPI on there or not, although on a few threads I see there was a box to be ticked if I did/did not require insurance - which I would not have ever ticked hence zero PPI claims for me! However it does seem some people had copies of CCA's with both unticked boxes and PPI was still applied. Anyway, will let you know what they say, and unless it's a "yes you have PPI" will SAR/CCA just to be sure - for now will sit on my hands and wait. Interested if anybody has any successful Barclays Select Loan PPI refunds? Cheers for now

Hello I wrote a complaint letter to Barclays asking for a refund of my charges due to hardship and the fact i blamed them for irresponsible lending. Back around 2003/4 barclays allowed me to go overdrawn on my account ,it gad no overdraft facilities. I was charged £30 then £30 for being £30 overdrawn then so on and so on. However, whilst overdrawn even upto £500 barclays never declined or stopped me using my debit card, (I know j should have stopped but i was you stupid ans was suffering awful post natal depression) Barclays have replied to my letter saying they will not refund me, We do offer our customers tools to keep track of thier banking (not me) Your acct went overdrawn as you continued to make payments from your account, you knew about these charges as they were set out in our terms and conditions. Then goes on about section 5.1.4,treating customers in hardship fairly, however the court ruling on 25.11.09 confirmed bank charges are a part of the price of having a current account so are not unfair, We dont believe we have treated you unfair or caused you any hardship. Having reviewed your history I can see in 2007 you made a payment of £399 to haven holiday , we would class this as a luxury ( my 8 year old sons 1st holiday! 4 nights in a caravan. .. paid for by his grandmother,hiw very luxurious. ...) As of this luxurious purchase you should have considered the financial impact as you continued to be overdrawn till oct 2011 when you clised your acct. I therefore conclude Barclays are not at fault. Please can someone help me, do I have a leg to stand on? Or shoukd i just accept this? Many thanks in advance. Sorry for all the typing errors,I hope its readable

Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my credit report score had drastically dropped to 734 barely over the poor mark. I duly contacted Experian to find out what has happened. Experian contacted Clydesdale on my behalf to be informed that I personally would have to contact them to discuss the matter. This proved to be impossibility as I could not find any information as to the contact numbers I would need to contact this company nor could Experian provide me with a contact number saying that they will only accept written contact. On the advise of Experian I duly wrote to them on the 22.02.16 asking them for an explanation as to how and why they have changed my personal financial data with Experian. I provided screen shots of the original default dates that were applicable which was 04/01/2010 which should have expired off my personal credit file from this date. To date I have not even had the courtesy of an contact/acknowledgement of my letter which was signed for and duly received. My questions are: 1) Can a Finance company operate this way legally? 2) What should I now do to move this forward 3) Can I take legal proceeding

hi took out a Barclays loan in 2000 for 3 years the loan was 5600 and 899.98 added to the start of the loan monthly repayment s was 225.36 for 36 months around 8460. round about 1800 is interest for loan and ppi interest but looking at statement they sent they have added interest charged each month on top over the 36 monthly repayments which then comes to around 9870.00 my loan was only 5600 loan was paid off ppi over 36 months how do I calculated my refund and can I claim this extra interest charged aswell added they wont give me apr but its around 19 per cent id say as its 16 years ago but half way through the statements from june 2002 until dec 2002 they don't have copys of monthly repayment which strange

I'm new to this and not experienced with dealing with the courts and the big lawyers, in fact it is quite scary.. Below is an outline of what has happened to date but now I really need some help to guide me best way through this mess. Background: I had a credit card debt with barclays of £9k and this has gone up to £11k with court fees, Legal and with interest charged from 04/2014 making a total of £11k (All figures have been rounded up.) I missed payment in 2014 which shows up in 2014 on my credit file as a default and not made any payments since, I had the card for 35 years during which it was faultless. In May 2016 ,i got a claim form from County Court Business centre and sent in a acknowledgment of service: Claimants are: Hoist Portfilio Holdings 2 Ltd and Howard Cohen are their acting Solicitors. Next:24 June 2106 I emailed the following to hmcts.gsi as a defence statement: Stating the following: This claim is for the sum of £9000 in respect of monies owing under an Agreement with the Account No. XXXXXXXX pursuant to the The Consumer Credit ACT 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the claimant and notice has been served. The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the Defendant pursuant to s.87(1) CCA. The Claimant claims The sum of 9000 Interest pursuant to s69 of the Count Court Act 1984 at a rate of 8.00 percent from 01/04/14 to the date hereof xxx is the sum £1500 Future interest accruing at the daily rate of 1.96 4. Costs Defence: With reference to the defence i would like to mention the following points and request the information to assist in my defence: Information of the original debt with Barclaycard of £9000 and any copies of a default notice served by Barclaycard. It is my understanding that through Lovell Portfolio Ltd in 28/01/2014 that a default notice was served on my account without my consent or my authority or signature to them as a third party. Claimants to supply a copy of the executed deed of assignment from Barclaycard to Lovell Porffolio, MKDPP LLP and to Claimant Hoist Portfolio Holdings Ltd a for the above referenced agreement An issue of confusion has been created in this case and seek clarification in having this matter properly resolved. As this has been done without my knowledge, consent or my authority and that the claimant as a third party may have wrongly taken this matter to County Court Business Centre. I would like to put this matter into mediation to have it resolved and establish how best this cane satisfied without going to court. In my defence it should be noted that i have with assistance cleared a majority of my debts and have had stated Barclaycard for 35 years, during which the account has traded without any problems and without any defaults being issued. it was in fact a surprise to me that a default notice has been served by Lowell Portfolio Ltd who had not informed me of this and not had any correspondence from Barclaycard on this matter. In terms of the cost please note this is refuted and will be discussed or best resolved through Mediation, any documentation regarding this and supporting documentation from claimants on this case should be sent to me for the my attention. To Note: I have had problems going through the website in filing this defence and proof copy is attached of that information, I subsequently rang the County Court Business Centre to seek how I could best file this defence claim. After speaking to XXXX who was very helpful i was informed that it was satisfactory to file it via email and the deadline was Saturday 25th June 2016 and gave me the email address to which it can be sent. Before this I have also sought advice from CAB and XXXXX from Legal firm XXXXXX who are based in XXXXX who kindly assisted me on the phone. It is with regret that this matter has been taken to Court and would urge a resolution that is satisfactory to all parties. Thank you for your attention to the above and request confirmation of this defence as i am experiencing difficulty with the internet whilst away. Please confirm that this has been received and will wait response Yours Faithfully XXXXXXXX .. Next: 31st August 2106 I received a Letter from Howard Cohen And Co on 31st August with details of Draft Directions. 1) Pursuant to CPR 26.7(2) Claim to be allocated to Small Claims Court 2) A stay or proceedings for 1 month to allow both parties to negotiate settlement of claim by way of Small Claims Mediation 3) Both parties to inform the court by 30th September 2106 if a settlement has been agreed or if an extension of stay is required. 4) If a settlement has not been agreed, then the claim be transferred to the Defendants local Court to be allocated to the Small Claims Track and listed for a hearing on a date to be fixed by the court with a time estimated of 1 hour 5) Claimant pay the hearing fee on a date to be fixed by the Court 6) No experts evidence being necessary, no party has permission to call or reply on experts evidence 7) Each party shall deliver to every party and to the Court Office, copies of all documents on which they intend to rely upon no later that 14 days before the hearing along with signed statements of truth ... Next: 01/09/16 to the Courts. I submitted a Directions Questionnaire (Fast Track and Multi Track) Stating that I wished to settle the claim and I wanted a month stay, required assist of mediation, acknowledged request for local court, NO witness and it would be less than a day in court. ... Next:10 September 2106 I received a Order of Stay which now runs out on 24th October and not received any communication or information from the Claimants to try and resolve this matter out of court. I have heard nothing from the claimants to try and get this matter resolved. I need HELP now to try and sort this out the best way, I am getting mixed messages that I should try and speak to their Solicitors 'Howard Cohen And Co' find out whats going on but I am scared of that and also try speak to MKDDP or Barclays ??? Sorry for the late action but it was becoming quite embarrassing to handle this.. Hope someone can help. I can try ask for some money from family and friends but not anywhere near the amount requested I also need to know if it will help resolve all this first and how much, before approaching outsiders to help.. as I have little left over after the bills and food. I am in full time work but do not have that kinda money to settle. Please Help if you can.

Hi I took out a Barclays Income Protection insurance around 2008. http://www.barclays.co.uk/Insurance/Incomeinsurance/IncomeInsurance/P1242614107744 Barclays stopped selling this policy years ago. This was a policy that covered me for sickness and unemployment. I paid around a £100 a month and would get around £2000 a month in the event of making a claim for up to 2 years. I have been paying this policy for the last six 7 years. I was recently made unemployed due to a disagreement with my employer (over 7 years working there) - without going into details I was being asked to act immorally. I sought legal advice. It was clear the relationship had broken down. I did not resign, I was not fired - but a settlement agreement was put in place, which i decided to accept rather than going down the long and painful road of employment tribunals. Even if i had gone down a employment triberinal route - as I have read it, the polciy still would not have covered me as this would have been considered me resigning. The law around this was updated around this in 2010 in the Equality Act and further changes were recommended in 2013. Since I took out the policy i have never been contacted by Barclays with any statements or policy changes etc. I pay my money and they have been silent. When I signed up to the agreement I specifically asked about “Compromise Agreements” and was told that these were covered, as this is what had happened to me at a previous company. These are now called "settlement agreements" and widly used by employers for senior managers to deal with someone leaving. I feel I was mis-sold this policy and that I want to claim back my premiums i have paid to date. it would have been impossible for me to make a claim. If settlement agreements are now the norm and the policy does not cover it - it is worthless. I am wondering what the best course of action is - would this type of policy fall under PPI or is it something else ? Thanks in advance Simon

Hi all First of all, I want to say a big THANK YOU to all forum moderators and members that are always on, answering all of our threads and questions. Well done to all of you. This site is the most helpful of all. I'm trying to claim back the PPI for my O/H from Barclays. The account was opened back in 2004. I SAR Barclays already and I just received the pack thru the post. At a quick look, I found that there were more payments going out to Barclays from this account such as: 1. PPI 2. Unpaids out 3. Paid Referral 4. Account Fee - this suddenly appeared at one point in the statements without any changes in the account type, and the fee was gradually going up. 5. Interest charged We still got a lot of stuff from back then, that was received from Barclays, but we couldn't find anything (like letters or even an account Ts and Cs or anything that bears any signature). Does anybody know if all these can be claimed back from Barclays along with PPI? Thanks in advance TFD

I was going to check on my insurance with Lifestyle Services Group [set up through Barclays account]. Firstly when I went onto Lifestyle Services Group login website it didn't recognize my login credentials, then when I wanted recover password [in case I forgot] it didn't know my login [e-mail] at all! Then when I attempted to recover account by providing bank sort code and account number - it claimed it never was set-up! [same account whole life] When I called them they can see that I had my old phone insured trough Barclays but no sign of new phone insurance. Only that I have had cancelled old phone insurance. In fact I had not cancelled insurance - only updated with new phone. But - well - Lifestyle Services Group can not say it is true. Called Barclays - they even say I couldn't have any free insurance on mobile handset because there was never any free insurance. In fact there was. I have set up this kind of insurance to my wife's phone and she have a written confirmation of the policy. She had policy for an old phone and recently [June 2013] on a new one - after updating phone details on the policy [she couldn't log in on the website neither]. When Barclay guy said I didn't have any policy - and there never was free, I got my wife on the phone, then I asked him about where hers policy is coming from and why this one was free? He didn't know - there was nothing on a system. Not information about policy nor there was any debit from account that would pay for some extended cover OR premium Barclays account Help.