Jump to content


RE:-My complaint to the FOS about Lowells/Barclaycard.


pcah9
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5017 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

The FOS telephoned me today and told me that Lowells and Barclaycard have both been cautioned over their underhand tactics of trying to enforce a debt which stems back to 1994.

In my case,Barclaycard have been told to purchase the debt back from Lowells and right it off ...this by the FOS.

Concerning Barclaycard selling my personal data to a third party i have been offered a settlement sum for their wrong doing and for all the hassle that should never have happened.

So up yours Lowells and i suggest Barclaycard get their house in order and any-one who also is suffering from their underhand tactics to complain to the FOS if you know you are 100% correct.

It seems that DCA`s will just play you on a merry go round so i also suggest that you send the OC and the DCA the correct letters ,templates on here,as soon as you realise you are right and not them.

Always stipulate "you have 10 working days to reply",then if you receive "b---s---" back or no reply go straight for the jugular and get them slapped with the £400 investigation fee aswell.

Considering Lowells bought over 100,000 barclaycard debts,there must be alot of people in the same position i was in so if you are one of those people,stand up and complain to the FOS.

  • Haha 1
Link to post
Share on other sites

Interesting to hear this as the FOS, usually only get involved if there has been a 'financial' loss....I am delighted of course...and Pcah9 very well done for seeing it through.....maybe you could give us an idea of how you laid out the complaint to the FOS, so other caggers can do the same....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Link to post
Share on other sites

Well 42man there would have been a financial loss.....out of my pocket.!!!!!

The law as it stands is very specific,this "so called debt" was just on Barclaycards database ,no other information was held,no history of any payments on the "debt",no history of the ccj or warrant of execution taken out by Barclaycard in 1994,no history of their righting off the "debt" in 1994 by letter to me.

They did however sell my name,address and telephone number associated with this "debt" which is against the law as the "debt" in theory does not exist.

What Barclaycard and Lowells did not reckon on was someone keeping ALL correspondence from 1994 concerning the "debt",and note that from 1994 until december 2007 Barclaycard NEVER once wrote or phoned me concerning the "debt".

The complaint to the FOS was very simple ....Barclaycard by selling my data broke the law,at no time did they ask me if they could sell my personal data and i did not at any time state they could sell my data.

p.s. Thanks for the reputation point,all welcome!!!!

Edited by pcah9
forgot that bit
Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...