I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to take on my case on a no-win-no-fee basis and I am not in a position to incur legal fees. It is an obvious winner with loads of political mileage for any law firm. I assume I need to sue once for the statement which they were supposed to provide under the settlement terms and then again later for my losses- which I can only work out once I see the statement. The complaint relates to Barclays’ failure to credit my account with several thousand pounds of overpayments, even claiming the balance had INCREASED after said overpayments. This was my 3rd consecutive complaint regarding Barclays’ mismanagement of the same account. Under the settlement terms finalised 2 June 15 by the Financial Services Ombudsman, Barclays was to provide “a full breakdown of my (mortgage) account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. Barclays has failed to provide the above documentation, but not before lying to the Ombudsman claiming it had! A misleading letter from the Ombudsman claimed the account was now in order (Dec 14) and I thus agreed the settlement terms, which included a nominal payment (which the bank has made). However, the documentation that Barclays was to provide is obviously central to the complaint, particularly since I now have documentary evidence proving the anomalies on the account have NOT been corrected by Barclays. This may be why the bank now refuses to provide the documentation. This documentation was only made available to me by the Ombudsman AFTER I had agreed the settlement terms, believing the account to be correct, and AFTER Barclays had failed to comply. The Ombudsman provided me with documentation the bank provided to it during the course of the investigation, including a calculation (not a statement) which states “this calculation has been provided to assist with the resolution of the complaint”. This documentation does not tally with an independent audit of the account I was obliged to fund. The document makes it clear NO remedial action has been taken, ie it contains a heading “steps required to rectify the account” as opposed to “steps taken to rectify the account”. Nevertheless the Ombudsman told me in writing the account had been corrected! The document is virtually impossible for a layperson to understand and abruptly ends March 14, giving no clues to the current balance and states “the balances shown on this calculator do not represent the actual balance on the account”, so the information is of little use, hence the instruction from the Ombudsman that Barclays provide me with “a full breakdown of the account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. So I have no idea how much interest I have been and continue to be overcharged by the bank on the incorrect balance I was a diligent overpayer until Barclays mismanaged the account. Based on my previous pattern of overpayments, I have been prevented from overpaying at least 10k to date. I have written to John McFarlane CEO asking him to ensure his staff provide the documentation as per the binding settlement terms, to clearly show how much interest I have been overcharged, what steps have been taken to correct the account, and what the correct current balance is, however, it is highly unlikely I will receive a response based on the bank’s attitude thus far. The FCA said they could not assist. I wrote my MP who says he has written to them but won’t show me a copy of the letter. I made a formal complaint about the Ombudsman, but that won’t rectify the account issues. I contacted BBC watchdog and various consumer columns and got no reply. I guess no one dares take on the establishment. I have posted on Barclays FB page and would now like to post the above letter online as widely as possible – any ideas as to where and how would be appreciated. Also any advice on where to find a law firm to represent me on a no win no fee basis would be appreciated.

One of the people that we are helping here on this forum wrote a letter to their member of Parliament about the problems they were having with npower. Understandably, the recent election caused a delay in the response. However, remarkably quickly after the member of Parliament was returned, an excellent response was received offering to make representations and asking for further information. We think that this could be a very good move forward. It is a very simple matter to write to your member of Parliament and if people were prepared to let us know that they have written and also to publish the responses here, we could take steps to flag up to each member of Parliament which of their colleagues were also concerned about npower's shenanigans. I think that it would only take a few members of Parliament to realise that they were not alone and they would publish set up some correspondence or even a meeting and then the matter of npower might be raised in the House. If you have a problem with npower then I would suggest that you write your member of Parliament and use this thread to tell us about it. I would suggest that you update your own thread with the letter that you have written and also with the response you get. I would also ask people to post the letter in this thread as well along with the response so that we have them all in one place. The Consumer Action Group will then be pleased to act on all of your behalf's flagging up the issue to all the various members of Parliament – and also maybe to the national media as well, who I am sure will be extremely interested. We do not believe that asking for help from a member of Parliament should be used as an alternative to legal action. If a member of Parliament makes representations, it will not obtain any compensation for you. You should begin your legal action as well and maintain it all the way through.

Hi A quick question if I may. A friend has a joint debt with wife. He was in an IVA which completed last year, the joint debt was subject to the Settled IVA. Wife was not in an IVA. Seven years after starting IVA - IVA friends wife has received letter saying they are pursuing for outstanding debt, they can't pursue him due to IVA so going after other name on joint account. I guess some of the payments to the IVA from him over term of IVA will have settled some of the debt. In the past seven years wife has made no payment to IVA and received no communication regarding the joint debt. Can wife be pursued for the debt or not as it is statute barred (over 6 years) ? Could company argue there have been payments to account in the last 6 years via husbands insolvency practitioner thus negating the statute barred defence ? Even though she has made no payments to account ? Could a solicitor file legal papers regarding this debt against the wife ? Thanks.

Hi everyone, i am new to this site and am unsure how to make a new thread for my particular issue? Any help!!

Hi, I stumbled across this forum when I was looking for help following receipt of an N1 form I received from the court following a dispute with a contractor. I'm just going take some time to look around and get myself orientated. It looks like there are some good people here so I hope I've come to the right place

Letter I sent today detailing my problem with eBay/paypal also sent it to Ireland... DATE 16/02/2015 John Donahoe eBay CEO 2145 Hamilton Avenue San Jose CA 95125 USA SUBJECT: eBay/PayPal complaint Dear Mr Donahoe I am a PayPal and eBay customer. I am writing to you as a last resort. Your company has treated me very badly and has left me with choice but to contact you. Background My eBay user ID is: ........................ I sold a Horizon Meter (.............. item ID) on 23rd of November 2014 for £155.00 and £8.00P&P, total = £163.00. As new to selling eBay I was not sure of the procedure, I contacted eBay and was advised that the money was on hold as I was a new seller and would be held for 21 days, however if I wanted to escalate the payment then I should send the item by Tracked delivery service, which I did – tracking number ............ To date I have still not received the money despite countless phone calls to eBay and PayPal. I contacted eBay to say that I had received no money into my PayPal account and they told me to contact PayPal which I did PayPal informed me that the money was returned to the buyer on 30.12.14 a s the email address on eBay did not match PayPal they added the email address and asked me to contact the buyer. I emailed the buyer and explained the situation and have never received a reply. I contacted eBay again and was told that the Fees charged to me for selling the item would be returned to me and to lodge a complaint with action fraud which I did National Crime Reference Number: .................. Action Fraud informed me that I would have to go through eBay to get my money back. It is now over 7 weeks and still I have received no money or further information about what eBay are doing to help me. On 08.01.15 at 1345hrs I spoke to .... in Customer Services at eBay, call Reference: 1-........, and she stated that eBay would not honour this payment. I asked to speak to her manager and spoke to J.... who said that in order for my account to be credited it would be a long process but the money £163.00 would be returned to me within 15 days. I reported all the facts to .... and he said that eBay would help me. I asked him what eBay intended to do for me and I would receive payment for the item. He stated that eBay would attempt to contact the buyer and: 1. Try and get the money from them. 2. Ask them to return the item to me. 3. Report the buyer. 4. Escalate the case. I asked what escalating the case meant and he said that within a maximum period of 15 days I would receive feedback from them and my money returned. This particular phone call lasted 45 minutes. Currently Today 16.02.15 I telephoned and spoke to M.J. to check the progress of the return of my money as I had heard nothing via J.... He said that J'' had put no notes on my account and apologised and said that the time had lapsed now and eBay could no longer help me. As I had reported everything correctly as requested I was now at the end of my options and eBay would not help any further and that I could send my complaint to an address in Dublin. I have enclosed all the above information for your convenience, I hope that the information I have provided about my case will assist you in helping me in the return of my money. Complaint I am outraged that I have been treated like this. 1. I have still not received payment for the item. 2. I have spent an absolute fortune on phone calls to these premier rate numbers at both eBay and PayPal. 3. I think that this payment should be honoured at the very least and perhaps more because of the stress this is causing me, I am extremely upset. As CEOof this company, I would think it was in your best interests to keep your customers happy especially when all your customers want is to use your service without interruptions. I hope you take the time to prove that your customers are important to you. I look forward to a prompt reply and resolution to my problem. Respectfully, .......... Ireland

Having just joined to try to sort out an issue I have with an insurance policy I have been browsing site. I have watched a tutorial about CAB mail but when I try to access it I get the message that I do not "have sufficient privileges" What do I have to do to qualify. Thanks David

After a quick search I can't seem to find much out about; Solution Labs Ltd http://www.theipc.info/#!aos-members/cv75 Just curious...

Hi all, I'm JamieSoze, not my real name obvs!Please be patient with me. I'm here because I am so fed up with the way companies think they can treat individuals. I have had what I consider success with a few companies on my own but there is so much to know. My pet hates are HSBC and BT

Hi, Sorry if i'm posting this in the wrong section, i'm not even sure that it is something that people may be able to help with. Anyway, i won't go into full details, but a family member is owed a large (six figure) amount of money mainly due to unwise business decisions and also being, well conned is probably the correct word to use. So if it is something that someone may have some good advice on recovering the debt i will post the whole story so people may be able to help. P.S. Not trying to portray a sob story but the person concerned is in their eighties and could possibly be made homeless quiet soon due to this situation. Any help or advice would be hugely appreciated.

Very happy to join this forum you will be hearing a lot from me hope we can learn from each other

Hi guys. would like to say hello,and having navigated round the site, have finally got my head round things I have had a couple of partial results regarding penalty charge refunds, so not all in vain but would appreciate any help advice. thanks

Hello everybody! I've been reading the forums for awhile now, so I thought I might as well sign up and join in.

Hi All, Been a silent member for awhile, thought I'd might as well join.

Hi everyone. i only just saw this section after posting in one of the other areas. i would like to say hello to all. forums are a new thing to me as i havent had the internet for too long so i will apologise in advance if i accidentally post things in the wrong place.

Hello:-) Great site

Just a quick hello..... There is some really useful information here. Thank you to all those willing to knowledge share

It is with sadness that we have learned of the passing away of CAG member Docman. Docman was a veteran of more than 5 years joining the CAG in March 2007. He was a valued contributor to many facing issues with HFO /TR / HSBC and Nationwide which were amongst those of his own battles. The loss of a member with so much experience and knowledge,leaves a void for all those who knew him. http://www.consumeractiongroup.co.uk...?144299-Docman

Should the BPA logo appear on their letter if they are truly a member does anyone know? Cheers Paul

hi we seen an advert for a second hand Karcher Steam Cleaner £50,, so contacted the seller & arranged to buy the item, as she is in Ipswich we paid an extra £10 for delivery. so that night (28th Dec 13) I made a bank transfer to her Natwest account. We contacted her for an update & eventually she came back to me saying it was posted out on the 2nd Jan 14, but after a few days nothing so contacted her asking her for the post office reference & we will chase at our end, as some times item can go to the wrong house. She sent an abrupt message saying will let me know later & of course heard nothing, few days later sent another message & she responded saying she had already chased it up with the postoffice & has to leave it for 15 days before investigating (Which I know is true). After that didnt hear anything & so contacted the site in which we are members "Preloved" they contacted her on our behalf & then all the communication between us had disapeared (as if she had deleted her account). we contacted her by text heard nothing & tried again with Preloved & wo & behold all the "communications" were back in our history. When the 15 days were up, I rang & left a message as she had just rang my partner & hung up. I left a voicemail stating that it was my bank account & so it was my money & best speaking to me, she then rang him & hung up. The next day my partner sent a "knee jerk reaction text" trying to provoke her into responding & she did with an "ABUSIVE & THREATENING MESSAGE ABOUT KICKING THE **** OUT OF HIM & FINDING OUT WERE HE WORKS ..." he obviously rang her straight back & gave her aload of abuse back. she then started sending abusive text & stating we were threatening a pregnant woman & reporting us to the police!! bear in mind not one mention about the £60 or where is the STEAM CLEANER!! we have had to block her number & I have reported this to ACTIONFRAUD, I have had one letter with a crime number & nothing more... Is there anyway I can get my £60 back?? I have tried my own bank (HALIFAX) who say as it was a "Quick Transfer" I am not entitled to help... please bear in mind I am in financial dire & the Karcher was a treat for both me & my partner & now we have nothing. I have kept all the evidence including the voicemail & since then have seen she posted another advert for Karcher Steam Cleaner on GumTree but they wont give me any information, so I am also trying to worn other people keep away from xxxxxxx

I would really, really like some help and feedback with my enquiry. Within the last few weeks I have applied for a refund for the Barclays PPI that I paid into. In February 2005 I was advised to take out a PPI policy. From memory I think this was done face to face with the advisor. When I took out the policy I was working full time (over 30hrs). Later on that year I found out that I would get made redundant as the firm had lost their contract. At that point I decided to work part time so I could do a degree; and in September 2005 I started part time. After being made redundant from that job, I got another part time job to fit around the degree. When this job ended I went to university full time to get my degree finished and by now I was relying solely on student loans and struggling to make some of the repayments. Eventually the PPI ended at the start of 2008. I believe I was sold this PPI face to face, and as such, I would like to obtain the evidence summarising the discussion that took place when the policy was taken out. I think this is called a demands and needs statement. Would I need to pay for this in the same way that I would need to pay for SAR? When I started my degree full time I went into my Barclays bank to set up a student account, and from memory I don't believe my PPI was discussed upon. Should it have been up to me to discuss this with an advisor or should Barclays have contacted me to discuss the terms of my policy? I have read on this forum that students are ineligible to take out a PPI, but I became a student AFTER taking out my PPI first. In doing this, would I have suddenly become ineligible for this policy? Even though I was still paying into it? To date, Barclaycard have refused me a refund because they stated that "they could not find any evidence that they mis-sold me PPI." They also stated that I "met the requirements of the policy and that the sale of my PPI policy had been appropriate." I plan to contact them again to request the details of their "no evidence" because I'm just not buying that at all. Would I also need to pay for this in the same way if I want the evidence of both the initial PPI sale and the SAR? Another point I would like to make is that I also suffer from a bad back which I pulled when I was about 16. Again, I cannot remember if this was initially mentioned and if it was, does this make the selling of PPI to me a complete mis-sale? Would I be refused a PPI refund if I mentioned the bad back and yet I still went ahead with the policy regardlessly? Again, I honestly cannot remember if this is what happened. If you have read this far, then thank you so much. I really appreciate it.

Hi everyone, I have used letters on this forum to fight my cases, now I have joined because I need some advice about CRA's.

I agreed to lend my brother some money off my card for food and gas, i have social anxiety and depression and so i barely leave the house anymore so obviously he knew my pin so he could get it. Ive trusted him in the past with it before, except this time i didn't get the card back straight away. About a week later on september 15th when i did, i realised £155 was put in and taken out by wageday advance. Now i asked him about it, and we had a big argument he said he didnt tell me because he was going to put the money back anyway. It turns out a friend of his gets these loans all the time and helped him do it, obviously he knew all my details as we are immediate family, but he used his own email address as he didn't know mine. The due date was october 12th for £194 and i have no idea what the interest is but i am guessing its extortionate as these usually are. Obviously i cant prove to the company that it isnt my debt, ive thought through it and thought through it no end but no solution comes up, and i dont want to acknowledge the debt by contacting them. Is there any options here at all?

hi everyone new to all this been reading for the last hour or so quite touched how people help others i wish to ask advice on a matter but not too certain where to start??

Hi all, This is my first post on the forums. I wanted to speak about my PPI claims that I currently have on going. Between my wife and I we have found a total of 10 credit cards, a mortgage and a secured loan that all had PPI. We also found numerous cards that didn't. We both fall into the 'stupid' category. For the life of me, I was totally unaware of the premiums I was paying. I understand when people question this, it is documented on the statements, but I never noticed it, even when I look back and see the amounts were sometimes as high as £50 per month. In fact I was adamant I had never had one PPI policy - hence it took me 2 years of knowing about it before I checked old statements. You can only imagine my surprise that so many did indeed attract PPI. I have already had a rejection from RBS credit card. However, upon checking my employment history, I had made a mistake and realised I was in fact in a temporary contract at the time I 'took out' the policy. I have returned this evidence to them and it kind of negates all the 'would have done at that time' arguments in their rejection letter. This week HSBC have been in touch to clear up a few points. I await the rejection letter this week. I feel our case is week as, whilst we have evidence that we had PPI, we have no evidence of misselling. As a civil servant I had absolutely no need for PPI. More than that, as a young (at the time) irresponsible borrower, the last thing i'd have cared about would have been how I would have paid the card back in the events PPI covered, I'd have been much more interested in keeping my monthly payments down. I was given ridiculous credit limits and prayed upon for PPI. I have 3 MBNA cards and they have stalled so long I have 10 days to get a questionnaire in. I've decided not to rush it and have decided to fight their rejection letter based on their findings without my contribution. I am staggered at the scandal, I feel so cheated. Worse, I think I am not going to get retribution and will pay for naivety and a lack of understanding. I will post my findings as I go and happily take advice where offered. It is not my main motivation. I have searched the internet for others that have been in the same position as me and if anyone can learn from me, either way, then it will be an achievement. I will take it as far as I can and am prepared to but I have no real belief that I will get anywhere because, as someone who works in the law, I am all too aware of the value of evidence and the lack of any sort of case without any. Anyway, it should be an interesting couple of months! All the best, Alex