Jump to content

  • Tweets

  • Posts

    • Oh dear, Guardianistas in full flow again Posturing is a necessary part of the negotiations  Obviously some form of deal will be cobbled together to save face on both sides At least no government of any colour will touch this subject again for decades to come, if ever  
    • And can you re upload a copy of the email invoice from Dongara that you posted on page 3......for some reason DX has removed it and edited my previous post referring to it. ???  
    • For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 7th October 2020   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 15th October 2020   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 19th October 2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? ES Parking Enforcement Ltd    8. Where exactly [carpark name and town] Multi-Storey Car Park, Union Street, Accrington, BB5 1PL   For either option, does it say which appeals body they operate under. ESPEL.ZATAPPEAL.COM.   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here "Reason of lssue: Exceeded maximum allocated or pre-paid time"   Thank you dx100uk, I will upload the PDF once I figure out how to block out identifying information.
    • Does this letter contain balances and dates  ? If so please redact and upload   Ginni if you could check the balances outstanding from the initial statements (the last one  you uploaded) the LBC to the Deed of Assignment to the claim form...just check that the figures all correspond ....in particular the amount on the Deed, check it to the amount claimed.   Im thinking that Deed may of been recreated since issuance of the claim form. Given that the Deed is dated 21st Aug...why did Dongara email their statement .   Andy
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Barclaycard - Is This A Valid Credit Agreement


Please note that this topic has not had any new posts for the last 4225 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Thanks both for your replys do you think i should send them the letter to proove they own the debt because i have not received anthing off barclays that the have sold it on your advise is most appriciated thanks:-)

Link to post
Share on other sites
  • Replies 119
  • Created
  • Last Reply

Top Posters In This Topic

It would be good to see if they have a deed of assignment, I would guess not tho - it would seem that Wescot are acting on behalf of Barclays

[CENTER][CENTER][B] Has this post helped you?[/B] [/CENTER] [LEFT][CENTER]If so please click on the scales!! [LEFT][B]<--------------------------------[/B] [/LEFT] [/CENTER] [/LEFT] [/CENTER]

Link to post
Share on other sites

yes marjie u can either send the prove it letter or the go away in dispute with OC.

 

re the address.

I have spoke to them regarding a friend case and they have told me the Scotland address is for ppl in Scotland. They have also advised that if u would rather write to them then u need to send the letter to the office that wrote to u. if it was Scotland then write to Scotland.

 

marjie as ur letter has the Hull address on it it is best u write to Hull

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Its your call where you write to, my letters came from Hull, every reply went to Saltcoats and in every instance I got a reply within 3 working days (with Hull on the envelope) so everything was working fine

[CENTER][CENTER][B] Has this post helped you?[/B] [/CENTER] [LEFT][CENTER]If so please click on the scales!! [LEFT][B]<--------------------------------[/B] [/LEFT] [/CENTER] [/LEFT] [/CENTER]

Link to post
Share on other sites

Iam only telling marjie the info they told me. I only rang them to find out what they would accept from me to say i am acting on friends behalf. Thats when i asked when the woman asked why i explained when i googled the company the Scotland addy came up b4 the hull addy.

 

As far as Wescots Hull office are concerned they want u to write to hull if that is were the letter come from.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Thanks for your replys:) i am sending westcot a proove it letter and barclays why they have passed it on to westcot while it in dispute i see what comes back and go from there thanks for all of your advise i will probeley need your advise again:lol:

Link to post
Share on other sites

Marjie: Just send Wescot the prove it letter for now.

It only becomes "in dispute" if Barclays didn't reply to your CCA request in the 12 days. Wether or not they did that you haven't said, but now they have sent you a CCA it is not in dispute.

I still think you should S.A.R Barclays to try and find out if the PPI was compulsary or not.

Link to post
Share on other sites

Hi,

 

This is my first posting and I hope that you will be able to help me.

 

Having heard of unenforceable CCA, I sent a letter to all of our credit/loan companies with a cheque for £1 requesting a certified copy of the original signed CCA.

 

Today, we have received a response from HSBC. We have had this card since 1992 when it was known as the Midland!

 

There response is as follows

 

'At present, we are unable to locate a copy of the original signed agreement. Under the Consumer Credit Legislation however, a copy of the agreement can either be a copy of the original signed aggrement or, in the case of an agreement containing a variation clause which has been exercised (as in the case of this card agreement), a copy of the current terms and conditions of the agreement as varied'

 

They have enclosed a copy of the current terms in compliance with the Cinsumer Credit Legislation, a copy of the original terms, a copy of the most recent notice of variation and a signed statement of accont (the most recent statement)

 

They have also returned our cheque for £1, saying that 'the bank is happy to waive any fee for this service'

 

As HSBC have confirmed that they cannot supply the original signed agreement are they within their rights to supply what they have done in it's place or is this unenforceable?

Link to post
Share on other sites

BB, Hi

 

Welcome to CAG... Its best that you start your own thread so you can get more focused help on your questions!!

 

Cheers...

[CENTER][CENTER][B] Has this post helped you?[/B] [/CENTER] [LEFT][CENTER]If so please click on the scales!! [LEFT][B]<--------------------------------[/B] [/LEFT] [/CENTER] [/LEFT] [/CENTER]

Link to post
Share on other sites

about time.

 

Just a waiting game now marjie.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites
  • 2 weeks later...

Hi all update :confused: i requested S.A.R for the above barclays/ master loan, today i have received S.A.R for the barclaycard very confused, do i have to request it again from master loan any advise please

Link to post
Share on other sites

I'd write to them again enclosing a copy of your original S.A.R request and ask them to send out the information previously requested and for the correct account number.

Link to post
Share on other sites
I'd write to them again enclosing a copy of your original S.A.R request and ask them to send out the information previously requested and for the correct account number.

 

 

Thanks you so much will do:-)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...