Barclaycard and the DCAs

[reduk054]

Eventually got round to sending Curlyben's letter to 1st Credit, and they sent back a very succinct reply. Their reply was they know that they cannot chase for money while an account is in dispute so they are contacting their client. So, umm, if they know that then why did they contact me in the first place?!?!?

May put this suggestion to them on a christmas card, noooo, on second thoughts, this may be the time of year for forgiveness, but even I am not that nice!

LOL nice one CB!

Red x

[ODC]

Eventually got round to sending Curlyben's letter to 1st Credit, and they sent back a very succinct reply. Their reply was they know that they cannot chase for money while an account is in dispute so they are contacting their client. So, umm, if they know that then why did they contact me in the first place?!?!?Because they didnt know you had friends in CAG and did not roll over and cough up as they thought you would.

May put this suggestion to them on a christmas card, noooo, on second thoughts, this may be the time of year for forgiveness, but even I am not that nice!

LOL nice one CB!

Red x

 

Bah Humbug

[reduk054]

SORRY! Understand the CAGbot, maybe because i have not been on so much lately I am not fully up to date with the current ettiquette. Will behave (promise!)

[ODC]

PM me with what we said wrong RED

[rory32]

Please refer to 1st Credit as 1st Credit. Thank you.

[reduk054]

Nothing to update, just sumising this past year so that I can look forward to 2008...

Started this year with RMA, who were the nastiest bullies and name-callers. Paid them what I could afford until I CCA'd them, and then heard no more.

Started to repay BC what I could afford per month direct without any contact from them at all

BC passed my debt on to 1st C, who got all heavy, and threatening charging orders. Reminded them that due to no CCA from my previous request, debt is in dispute

Complained to FOS about BC - waiting to hear

BC said that they would look into my complaint

1st C referring back to BC. No further contact at present.

Still no CCA.

Red still paying what I can afford, as I have a duty to pay what is owed!

[Tau]

Hi red

Lets hope that you have a better year than the last, what with the dopey accountant and all.

[Curlyben]

Good news there Red, lets see who crawls out of the wood work next.

I certainly can't wait to see who B'card passes my account to next.

Hey you never know I might stop mucking about and actually file in court for the charges, but seeing as they are almost the same as the outstanding balance, I think I might just stay as I am.

I have after all, offered B'card a way out, but they ignored that completely.

[Duffers Mum]

Hi Red - Have you tried approaching Northampton TS about Barclaycard? As you know from my thread since TS involvement B/C and Mercers haven't sent me anything except my monthly statements. I too am paying what I can afford to, but the respite I've had from sending everything to TS (who are obviously very busy and don't like to rush these things!) has been very refreshing. I think I'll report Sainsbury's next to their local TS although at the moment they are letting me pay £10 per month, however they, like Barclaycard, continue to add interest and charges whilst the account remains in dispute.

 

Good luck for 2008

[reduk054]

Thanks CB, Tau and DM! Happy new year to you all. I will continue with the current plan, of paying what I can afford, directly to BC, and I will see how I feel in a couple of weeks, depending upon any insight from the FOS, as to whether to complain further or not!

Looking forward to 2008, its started with a "Notice of Legal proceedings" but not from BC or their henchmen....ah well, at least I know what to with it.....

Cheers guys and girls for all your help and support

Red

[reduk054]

Next! BC have written through twice, firstly to say that they are sorry that they have not dealt with my complaint (which I made to FOS and not to BC), and that I can go to the FOS once they have sent me their final response (oops!).

Also they have written through to say that they have assigned my debt to 1st credit and that I should pay them directly. Well no, BC, I will not! I am not going to pay some bully boy DCA who cannot comply with a simple CCA request, and in honesty , i am not too sure other than moral high ground and honesty to own up to my debts as to why I am paying BC at all!

Nothing from FOS re this one, since my original complaint, so if my photocopier has decided to work, then i will send the FOS copies of their letters, which will back up my complaint of passing on the debt to a DCA without taking my I&E into account, and the insistent charges and interest. BC have said that following default by me, that they are within their right to pass the debt on. I do not dispute this, but why tell me now, after the 5h!t has started to hit the fan?!

Oh well, carry on reagrdless! (Beautiful South)

[Goldlady]

Hi Red, sounds as if they have thrown in the towel if they have passed it to a DCA. Sad. LTSB have done same to me.

[reduk054]

Hi Gold lady, lovely to hear from you again, hope that you are well! I think that often BC throw in the towel early, but only after they have added loads of charges and interest!. I honestly can't be dealing with a DCA who cannot legally comply with my requests. Who are you paying now? LTSB, or DCA or neither?

[Goldlady]

neither of them

[Hopeful1]

Next! BC have written through twice, firstly to say that they are sorry that they have not dealt with my complaint (which I made to FOS and not to BC), and that I can go to the FOS once they have sent me their final response (oops!).

Also they have written through to say that they have assigned my debt to 1st credit and that I should pay them directly. Well no, BC, I will not! I am not going to pay some bully boy DCA who cannot comply with a simple CCA request, and in honesty , i am not too sure other than moral high ground and honesty to own up to my debts as to why I am paying BC at all!

Nothing from FOS re this one, since my original complaint, so if my photocopier has decided to work, then i will send the FOS copies of their letters, which will back up my complaint of passing on the debt to a DCA without taking my I&E into account, and the insistent charges and interest. BC have said that following default by me, that they are within their right to pass the debt on. I do not dispute this, but why tell me now, after the 5h!t has started to hit the fan?!

Oh well, carry on reagrdless! (Beautiful South)

 

 

Good on you Red for refusing to pay DCA. As i put on my thread, i think i am gaining a small amount of compliance from Barclays. This is down to FOS and a refusal to lie down. Like you, i forward all correspondence to FOS which shows Barclays we mean what we say!! I also take great pleasure in responding to all their correspondence and highlighting their wrong doings!!

 

Keep at 'em!!

[reduk054]

Hello all! Gosh haven't been on CAG for aaaagggesssss, but my situation still seems the same! LOL Like lots of debts, 1st Credit still trying it on, BC ignoring me.

Must admit to being a bit tardy. Have just carried on paying £10 p/m to BC, and am about to get back in touch with the FOS about BC.

1st Credit sent me something which they thought was a CCA agreement, but it failed on a number of issues.

Lucky me, 1st Credit also sent one print out of something which is all abbreviated and makes no sense, other than opening balance and outstanding balance! Do they think that they have complied with my SAR request?!

Told them in no uncertain terms that they have not, and to leave me alone (letter was better worded!).

So now I will send BC a letter (again), asking for PPI refund/account charges and interest refund, and that they have not followed OFT guidelines by appointing DCAs without notifying me first.

So you all will probably have to put up with me again!

Nice to be back!

Red

[Hopeful1]

Hello all! Gosh haven't been on CAG for aaaagggesssss, but my situation still seems the same! LOL Like lots of debts, 1st Credit still trying it on, BC ignoring me.

Must admit to being a bit tardy. Have just carried on paying £10 p/m to BC, and am about to get back in touch with the FOS about BC.

1st Credit sent me something which they thought was a CCA agreement, but it failed on a number of issues.

Lucky me, 1st Credit also sent one print out of something which is all abbreviated and makes no sense, other than opening balance and outstanding balance! Do they think that they have complied with my S.A.R - (Subject Access Request) request?!

Told them in no uncertain terms that they have not, and to leave me alone (letter was better worded!).

So now I will send BC a letter (again), asking for PPI refund/account charges and interest refund, and that they have not followed OFT guidelines by appointing DCAs without notifying me first.

So you all will probably have to put up with me again!

Nice to be back!

Red

 

Hey hey!! How ya doin? It's really good to see you back

 

I knew you said you were having a break, but i didn't think it'd be for this long!!!

[reduk054]

Thx Hopeful1, so glad that you are still here!

I sent off my complaint form direct to BC, and have had the standard reply, of we are sorry to hear of your disatisfaction....looking into it...etc.

I have probably opened another can of worms here, by contacting BC direct, but was so fed up of 1st credit that I wanted to make my voice heard to BC.

I feel a little like the walls are closing in on me at the moment, as none of my creditors appear to be playing fair, maybe due to the credit crunch, however I am sure that all them will still be reporting large annual profits.

Will let you know of any developments...

Red

[Curlyben]

Blimey this STILLLLLL going on !!!

B'card got bored with me months ago.

[reduk054]

Hey CB!!!!! Lovely to hear from you, last time I was on here you had gone AWOL

Yes its still going on...I will probably die before this gets resolved.

The way my luck is currently going I will have to change my identity and move abroad LOL

[Curlyben]

You can't keep a good ape down

[reduk054]

You can't keep a good ape down

 

 

This is very true! And don't the OC/DCA's know it too! ,

maybe I should change my identity into an ape (no smart comments please!!!), and achieve more sucess in fending off any further harrassment.

[Hopeful1]

This is very true! And don't the OC/DCA's know it too! ,

maybe I should change my identity into an ape (no smart comments please!!!), and achieve more sucess in fending off any further harrassment.

 

Can we see the pictures when you do this

[reduk054]

BC have written to me today in response to my complaint letter of charges, passing my account to a DCA without notifying me, mis-selling PPI, and all they have said is that 1st C are legal owners of my account (and have been for nearly a year apparently), and that BC have basically washed their hands of my complaint. I have, as previously mentioned been paying BC.

So why do the DCA not take further action if they are the legal owners, BC say that my account was passed on to (not sold to) DCA. I have written through to DCA to say that my account is in dispute with BC?

If the debt now belongs to 1st C, then why are they not jumping up and down at me, and accepting that I have raised a complaint against the OC?

I am really confused (and not happy with BC!)

Any suggestions/help appreciated!

Red

[reduk054]

Here we go again!

1st C's "solicitors" are applying the scare tactics of court action but they still can't provide me with CCA. They like my application form though, think I have been sent it three times now.

Trading Standards have been very very helpful, and have advised that all phone calls that I have made regarding this complaint (about 18 months worth) can be used as evidence in court, OFT have also been very good, I have someone assigned to this complaint, along with a direct line tel no! And FOS are also very good, and patient bearing in mind that I just keep adding to my complaint!

Lots of paperwork to do, but I am sure that it will be worth it - on a satisfaction level rather than financial!

Red