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  1. Hi, I am wondering if anyone can confirm whether the attached CCA request from Barclays is enforceable. I took the card out in 2011 and along with an MBNA card i stopped payments in Feb 2018 with a balance of £9104 on the BC. I contacted Step change and entered into a DMP paying £344pm to cover both cards. In Aug i sent the CCA request to Barclays and they returned the document, i thought it was legit because it had my name and address on so filed it away and did not send one to MBNA. A month after the CCA request i was informed that my debt had been sold on to PRA which
  2. Hi All, Been a long time since I've been on the forum but need a little advice if possible. I believe I defaulted with Barclay card back in 2010 but I'm not sure of the exact date. Had personal/business problems back in 2010 (actually before if you see my posts) which ended with me becoming divorced. After this point I "stuck my hand in the sand" and ignored a lot of the relentless letters from them (and others) as the recession had wiped my business out and I had far bigger things to worry about. Over the years I haven't heard much from BC seeing as I'd left the marital h
  3. A description of the issue : I am an oversea student in Manchester. original student additions:1790 pounds. original every saver:18680 pounds. accommodation installment is 1793 pounds. After paying my accommodation installment on 22/01/2019, all my money in my both account has been deducted on 23/01/2019. It shows "to reconcile" with reference: "fraud prevent GIA ADV". I reported it to the nearest Barclay branch on 23/01/2019. a staff told me that someone will contact me but until now(02/02/2019) no one has contacted me. I am very sad and afraid because on 08
  4. Hi if my min payment is £100, do i have to pay it in a lump sum before payment date or can i pay it in multiples like £50 on one week and £50 another week..as long as its paid by due date? I ask because I accidentally paid £50 in to barclaycard, but can only afford to pay £50 more to make it £100. Thanks
  5. Hello I know I had taken out loans when younger to buy car /bike but was long ago 1989 to 1994 No longer find any paper work I had made note occasional in my diary those years when needed and put them on to outlook on computer Some of the events 02/05/1990 Mercantile £4K , 5yrs protected £127.84 Premium £17.10 16/02/1992 £9,500 7/1/1992 £2500 , 4yrs £133month I even have the dates that contacted bank about my direct debits dates when i took the loan paperwork into Manchester My notes state I even had letter from their solicitor when had few issues but made no no
  6. Hello In the last few months I have been receiving letters relating to a debt for £700 with Barclaycard now held by HPH being collected by a company called Robinson Way. Now to the best of my knowledge I've never had a Barclaycard IF I did it was well over 10 years ago I was on a DMP which I ended I won some money and paid £9000 debts off knowing there was an Egg debt out there which is also paid now I need to query this but not sure how to go about it as all my searches i end up with the term Statute Barred and am unsure whether to wait as I believe if I acknowledge this
  7. Can someone please help me. I did have a Barclaycard which was paid off. recently checked my CR file and note that they have put a marker on the file for Barclaycard with an outstanding balance. called them today and they could not find my old card details. said to them that I am in possession of the card and was reading out the card number and they told me that it does not exist, gave me another card no which they claim that belong to me. only had one Barclaycard. told him why do I need two Barclaycards and that does not belong to me. am going to send them a
  8. Hi, This is my first post here, so forgive me if I am covering old ground. I have a Barclaycard debt of just over £1500, that unfortunately went into default when I lost my job a few years back. I had been paying BC an agreed amount of £22 per month ever since without any problems. However, I recently received a letter from BC telling me that they had assigned the debt to Link Financial and that I should now make payments to them. I haven't done anything so far, as I have read in various places that I shouldn't have to pay anyone other than the company I owed origin
  9. six years ago I lost my wallet containing amongst other things a Barclaycard. within hours I had telephoned and emailed banks including barclay card / got email, back from them telling me I had to write and inform them that way. my balance was about 200. Didn't get any inform from them but noticed my monthly charges, were being constantly added. I was paying minimum amount by direct debit. Until last year when I stopped this payment. The account was now over 700 and they say its now been passed to westcot. what should I do? write and ask for SAR showin
  10. Hello now that I found some confidence I thought I may try my luck with Barclay card charges that I had B/card. Only problem is the card now closed. Paid outstanding balance in 2014. How far can I claim - from 2010-2014? Appreciate any advice. Many thanks
  11. Hi all Got a letter yesterday from Crapbot stating they had traced me to my current address in about 1996 Barclay's gave me a 5k loan they defaulted me in 1998 Cabot started chasing back in 2000 I was younger back then and didn't know my rights I paid them till 2002 then told them to do One in no uncertain terms spin forward 14 years they are trying to state I owe them 5300 I am fully aware this debt is well and truly statute barred is there any point in inviting letter tennis with these morons by sending them a CCA letter which probab
  12. Hello , I am just wondering if someone can help me out here i was mis sold PPI from barclays in 2004 (i was unaware of this fact) however they have sent me a letter to respond by 26/11 asking if i had any sickness benefits & any redundancy pay & if so the details Now i have tried umpteen number of times to get the details but unable to get these details how do i go about responding back to barclays ... Any suggestions will be much appreciated
  13. I was taken by a confidence trickster on Gumtree last week to the tune of £730. they got me to transfer the money to a Barclays account and used a passport and Barclay's account statement to establish that he was bonafide. A few days after the money was transferred, I got an email from Gumtree to say that this person was a fraudster. I contacted Action Fraud (which only seems to be a way for the police to do absolutely nothing about fraud), my own bank, Santander (who told me as I had willingly paid the money, I couldn't claim from them) and Barclays, from whom I have ju
  14. Hello Several days ago I got a payslip type communication from a company called Robinson Way, first time I have had anything at all like that from them . It had no information on it looked like a [problem] similar to what I get via email all the time so ripped it up and binned it. I did get one about a year ago like that from another company and binned that as well, and heard nothing further so thought nothing of it. I had an odd letter before about a debt with no money owed mentioned or companies mentioned and ignored them. I have an uncommon name, but n
  15. can anyone confirm if MERCERS are a DCA and have bought the debt, or are they just chasing on Barclays behalf? letter says 'they are dealing with my account on BEHALF of barclaycard.... account overdue...' 'you have missed three payments.... if you can repay 2 of the outstanding payments we will credit your account with the 3rd payment....' 'if you dont contact us, we may pass your account to a specialist company... may call at your address' it would appear the standard wording for a DCA who have bought the debt... but i just wanted to check with CAG first. thanks.
  16. Hi all, my husband has held a Barclays business account for about 7 years now. The charges over that time are ridiculous. Every time he was getting a charge of £35 per failed dd. I have now noticed they have reduced that to £8. Since this massive reduction I assume they have realised how unfair this charge was. Do you think I could apply for these charges to be reimbursed? Even though it's a business account. Thanks
  17. Hello Guys Long post incoming, but I’m really hoping someone can find the time to help me out with this situation, any advice is much appreciated. Background and History to Date July 2008: 2x Accounts Opened with Barclays Bank (1x Joint Account and 1x Personal) Between 2008 and 2010: £200 was drawn on the Personal account using the 0% overdraft facility 2011: In a branch, both signatories of the Joint Bank Account asked for it to be closed and all associated accounts also closed and provided new contact details August 2013: Charges started to be added to the Personal Acco
  18. My first time posting so I hope I am doing this correct. I would appreciate any advice you can give me. back in 2008-2011 I got myself in to a lot of debt due to being made redundant 3 times in as many years and not having enough money to pay credit cards etc, I concentrated on paying my mortgage and gas electric etc. In 2011 I decided to sell my house and pay off debts with some of the equity I had in my house and went in to rented accommodation ....I setup payment plans with some of my remaining creditors, some of which have now finished and some nearly fini
  19. Another issue I recieved a letter from lowell regarding barclaycard account i had this account back at college i have requested several times for a copy of the credit agreement, lowell caught me on the phone last week about this i stated i have asked for the credit agreement, i have this in writing from them and that they are placing the account on hold to find it, they insist i took the agreement out june 2002 and they say my last payment was in 2010 whats the next move, seems like a merry dance all the time
  20. I run a small company; I took Barclay's Bank to court as a Micro Enterprise. Under the FCA Banking: Conduct of business source book (BCOBS or COBS), the BCOBS states that a business with a turnover of under 2,000,000 Euros and fewer than 10 staff is classified as a consumer and to my understanding of the BCOBS has the same rights as such. Initially I was awarded judgement (by default) as Barclay’s didn’t respond to the court in time. But they had it over turned arguing that although we may be a Micro Enterprise, we did not have the same rights as a consumer and thus had no case, there
  21. Hello All, As of last Wednesday my two barclays personal accounts, one savings account and business account are collectively showing to be £3,500,000 in debit and the funds 'To Reconcile' (their teminology) to Coventry OPS 05 ADV. A formal complaint was logged last Thursday and I am yet to recieve any formal reponse. Collectively I must of spent a total of 16 hours on the phone, being passed around to one department after another given a range of excuses from technical error, account review and fraud. I have done quite a bit of research and understand it may be linked with ant
  22. Hi was just wondering Barclay's have put my account under review! I have no clue as to why it is, been with them for the last 10 years and never had a problem, I have direct debits coming out at the end of the month a couple of credit cards, council tax and a small loan can I claim any charge's back from Barclay's ? I have informed the companies what is going on and they where very understanding I'm pleased to say however I'm trying to rebuild my credit score and all was going well but will my hard work be undone by my own ban
  23. Hi, I took out a halifax card 30 years ago, i was unable to keep up the payments as i am now out of work they came to an arrangement with me where they have frozen the interest and I pay 5 pound a month. I have looked on my Noodle account and see that i am in default. The balance on that account is 12k. The debt is now with robinson way. I have also been unable to pay my Barclaycard for 4 months ( balance 5k) , they rang me yesterday , i went through my spenditures with them and they advised me that i am in no position to pay anything off it as i have more going out than coming in.
  24. Has anyone experienced the Barclay's / Woolwich mortgage fiasco my mother and brother experienced. i) Applied for a right to buy mortgage for £43,000 (£60,000 + equity in the house) and paid £100's upfront for searches, valuation, solicitors etc. ii) Woolwich then requested a deposit £2,400 - we agreed and paid further costs for I.D. checks etc. iii) Then they changed their minds and wanted £4,300 - we agreed and paid more solicitor fees. iv) Then they said my brother's income wasn't enough. v) Why we asked - They would take my mothers out goings in to account but not
  25. Afternoon all, Hope every one is well. I have been a regular viewer of the site and have read treads relating to my issue but I have some additional questions. I am in the process of sending my defence I believe I have a few more days in which to do this. I acknowledged on the 22nd September. Name of the Claimant: MKDP LLP Date of issue: 08 Sep 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - What is the claim for – the reason they have issued the claim? The claimant claims the
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