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cancel the od.

 

why are you paying them £200?

 

what is your agreement PCM?

 

i'd drop them and use the money elsewhere

 

like the cat or more imp, getting rid of the PDL's

 

£50 max

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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My agreement is £253 on one

and £751 on the other (both barclayloans)

 

it all started back in August when they refused to adjust the 2nd loan so payments would be lower.

 

Both are for roughly the same amount.

 

They said because it was for less than 6 months then I can't be helped

and I would have to wait until I miss a payment before they would help.

Hence the pdl's.

 

I should of told them there and then that I'm not paying that because I can't afford it.

 

£50 max why not indeed. Actually make it £40

 

I have an overdraft with them for £1600.

 

the overdraft interest is around £30 per month.

 

I can't afford to cancel overdraft yet.

 

until I cancel that I can't close account down.

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i don't think your bank are treating you fairly

 

have a read of BCOBS..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The power of BCOB lies in the fact that it creates very general obligations to treat customers fairly -- and also that it gives individual customers the right to sue their banks in the County Court when they have acted unfairly towards you.

BCOB rule 5.1.1

in my case the unfairness is that when i first approached the bank it:

Refused to discuss financial difficulties and to suggest positive solutions although I was told to wait until I missed a payment. Not at all positive.

 

Also when I phoned to make a proposal the bank refusedl to accept reasonable repayment proposals on the evidence of an income expenditure schedule. instead stating that I had to set up .a DMP.

 

All well and good but to date everything has been via phone calls. The only thing I have in writing was to accept that I can pay £20 per month for Dec 2012 & Jan 2013. So I feel that I'm stuck with the first one.

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there lies your issues as such

which is why you have had some many misconceptions.

 

writing time!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes writing time to offer my £40. Everything in writing now.

 

I suppose I could add that I'm feel that the bank had not treated me fairly as per the BCOB by not helping me in the first place and their failure to accept my first verbal proposal. It may scare them to accept to freeze interest as a gesture of goodwill. yes or no?

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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any knowledge of levers you will pull is worth hinting at

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How about this? Any suggestions additions/deletions. It looks blatantly like blackmail but i think tough! They have mistreated me and I have been left in this situation.

 

Dear Barclays

 

Due to unforseen circumstances I am currently in financial difficulties. I will be paying all I can afford which is £40 per month until my situation improves. I will contact you again in 6 months with an update of my situation unless it improves sooner. Please advise me your account details and what reference I should use so I can set up a standing order.

 

I hope you will be able to freeze interest during these difficult times.

I must point out that I am very unhappy the way that Barclays have treated me. I feel that I would not have been in such a critical financial situation had Barclays followed the Conduct of Business Regulations (BCOB). The regulations give legal obligations for Banks to follow which requires such Banks to treat customers fairly and includes Rule 5.1.1 that states banks must not:

Refuse to discuss financial difficulties and to suggest positive solutions

Refuse to accept reasonable repayment proposals on the evidence of an income expenditure schedule

When I first contacted you in the latter part of 2012 to state that I could not afford the contractual payments on a 2 year loan, I requested if I could restructure the loan so it would reduce the payments and the loan would become a 5 year loan. However I was informed that because the loan was less than 6 months in length, nothing could be done. I was further informed that I would have to miss a payment and fall into arrears before some help may be offered. I believe that Barclays have broken the BCOB because of Refuse to discuss financial difficulties and to suggest positive solutions.

I spoke to the collections department on 31st December 2012 to offer a proposal of repayment but was told that it would not be accepted unless I approached a Debt Management Company. I was told that any proposal from myself would be rejected. I believe that Barclays have broken the BCOB because of the Refusal to accept reasonable repayment proposals on the evidence of an income expenditure schedule.

I am still considering weather to take things further.

 

I hope you will accept my proposal of repayment and my request to freeze interest.

I will now only correspond with you in writing either via email/post

I look forward to your response.

 

Yours sincerely

mahharg

Knowledge is Power

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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as post 17

 

 

you must make ref to GOGW

 

both ways

 

and removed your 'hopes ' that they will etc etc

 

use reciprocal GOGW as my letter.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How about this?

 

Dear Barclays

 

Due to unforseen circumstances I am currently in financial difficulties. I will be paying £30 per month as a gesture of goodwill until my situation improves. I will contact you again in 6 months with an update of my situation unless it improves sooner. Please advise me your account details and what reference I should use so I can set up a standing order.

Could you please as a reciprocal goodwill gesture, freeze the interest on my account.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes issued by the relevant bodies and authorities that govern you and the way you conduct yourselves, I shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account, as your actions would do nothing to help me.

 

I must point out that I am very unhappy the way that Barclays have treated me. I feel that I would not have been in such a critical financial situation had Barclays followed the Conduct of Business Regulations (BCOB). The regulations give legal obligations for Banks to follow which requires such Banks to treat customers fairly and includes Rule 5.1.1 that states banks must not:

Refuse to discuss financial difficulties and to suggest positive solutions

Refuse to accept reasonable repayment proposals on the evidence of an income expenditure schedule

When I first contacted you in the latter part of 2012 to state that I could not afford the contractual payments on a 2 year loan, I requested if I could restructure the loan so it would reduce the payments and the loan would become a 5 year loan. However I was informed that because the loan was less than 6 months in length, nothing could be done. I was further informed that I would have to miss a payment and fall into arrears before some help may be offered. I believe that Barclays have broken the BCOB because of Refuse to discuss financial difficulties and to suggest positive solutions.

I spoke to the collections department on 31st December 2012 to offer a proposal of repayment but was told that it would not be accepted unless I approached a Debt Management Company. I was told that any proposal from myself would be rejected. I believe that Barclays have broken the BCOB because of the Refusal to accept reasonable repayment proposals on the evidence of an income expenditure schedule.

 

I am currently seeking further advice regardin my treatment

 

I will now only correspond with you in writing either via email/post

 

I look forward to your response.

 

Yours sincerely

mahharg

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Happy 2013 :welcome::welcome::welcome::welcome:

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi all

 

I am now about to finalize my letter to Barclays but I have been reading other people's situations and to be honest I am a bit worried that the letter is a bit threatening.

 

This is the first letter and think it's good to let them know what I require,

but feel that Barclays may look at this and refuse everything I ask of them because of the threatening nature.

 

Also am I wrong to think that by deliberately withholding money I owe by paying just £1 per month could be unlawful?

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letter to stop cpa to Wonga sorted

Mr xxxxxxxxxxxxxxxx

xxxxxxxxxxxxxxxxxxxxx

xxx xxxxxxxxxxxxxx

xxxxxxxx

xxxxxxx

 

Account number: xxxxxxxx

Sort Code xx-xx-xx

 

Xxxxx xx January 2013

 

 

To: The Manager

Barclays Bank

Xx xxxxxxxxxx

xxxxxxx

xxxx xxxxx

 

Delivered by hand

Dear Sir/Madam

Card Number: xxxx xxxx xxxx xxxx

I am writing to advise that with immediate effect, I withdraw my authority for all future payments to be debited from the above card number by Wonga or Wonga.com.

This is in accordance with my rights under the payment Service Regulations 2009, which state:

“The payer may withdraw its consent to a payment transaction at any time before the point at which the payment order can no longer be revoked under regulation 67.”

 

I understand that should you not action my instruction, “any future payment transaction are not regarded as authorized for the purpose of this part” and I will seek an immediate and full refund.

 

I have a copy of this letter stamped by the branch as proof of submitting. It would be appreciated if you would confirm in writing when this request has been actioned.

 

Yours Faithfully

 

 

Xxxxxxxxxxxx xxxxxxxxxxx

 

` Edited by mahharg

Knowledge is Power

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I went to my local Barclays branch today.

 

The Manageress who I've known for a over 20 years said to me they can't block a CPA in the branch and advised me to phone the debit card department.

 

I got her to sign for my letter (post 47) to Barclays even though she said there is little she could do from the branch.

 

I honestly think she was sincere but sometime worry about how they keep up with the law.

 

I used the phone in branch and pressed option 7.

the gentleman who answered gave me his name and said he was in the "customer payment solutions" department.

 

I informed him that I had wanted my CPA to Wonga blocked and that any transaction would be considered unauthorized.

 

He queried if I had cancelled it with Wonga which I had and I told him that.

I was then asked if I still had an agreement with Wonga,

I informed him that with all due respect it was none of his business.

 

He was saying that he just wanted to clarify and no matter what he had cancelled the CPA.

 

He informed me that a letter will be sent to me today by first class post to confirm.

I was also informed that he can't guarantee that the payment will be stopped should Wonga attempt to take the money

but if they did I should phone the "Customer Payment solutions team" so they can arragne a refund.

 

The rule of thumb on almost all threads are "writing only" but it looks like Barclays have a specialist department via phone to block CPA. If they send letter then there is the proof.

 

I will let you know how I get on - next Wonga payment due on 23rd Jan.

 

I'm still to send letter (post 44) regarding my repayment proposal for my Barclayloan. I am still a bit worried as per reasons in post 45. I'm looking for assurances that it is not to threatening and it won't backfire.

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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either you jump or you dont

 

you are not just offerig £1

you are offering more

 

but they MUST help you

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX. I guessing that what the letter is saying is that if you don't follow the correct procedure then i will make things difficult and simply pay a token £1. If you decide to take court action then it is you that will be frowned upon by the Judge for not following procedure and you know it, so the chances are you wouldn't take it that far.

Knowledge is Power

Go get em!

Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I've received the Wonga email regarding my proposal of a payment plan. The usual please phone us so we can assist. I have a recording facility on my phone so was able to inform the advisor on the phone that I was recording the call for clarification purposes.

 

I was told that I had to call 3 days before my payment is due (due 23rd Jan 2013). I queried why they can't use the form that I had attached to my previous email. I was advised that the Wonga Income/Expenditure form is an automated online form so the decision to accept/ammend/refuse the proposal is basically automatic.

 

Just a few questions if any of you may care to help me with.

 

Would my recorded call be a legally binding agreement?

 

I am wanting their bank details so I can pay via standing order, should I request that on my next phone call to them on 20th Jan 2013 or is there an option on the online Income/Expenditur form?

 

My first email stated that I have withdrawn the CPA and I have stated on the phone that I have withdrawn the CPA. Is this sufficient?

 

Thanks for looking.

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Put it all in writting and send by recorded delivery, it is very unwise to rely on telephone conversations with these companies.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for the advice which I agree to. I am thinking however that it will be in writing because on listening to the recording the advisor states that if I phone up 3 days before then I would be emailed a link to the income expenditure form. Once I submit that then I would be sent a written response to my request. According to Wonga this is the only way they accept proposals. So effectively the phone call is not to agree to anything. It is just to request the literature.

 

Another thing is that I have got a reply with my initial proposal included asking me to phone, so there's proof that they are aware I am "in financial difficulty". I would only accept an agreement itself in writing.

 

If I did decide to write a letter of proposal could I take it by hand to their offices in London?. I am only half hour away.

 

Has anybody else come to an agreement via Wonga's online form or another way?. If so did they write back and did they agree in writing?.

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Yes indeed a very good idea, this companies requirement fot phone contact makes me very suspicious,

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Do you think it should be a complete no no?, because I don't know what I would put in the letter, simply because I've put it all in the initial email. I'm thinking that they will simply reply with " You need to phone us to arrange a payment plan".

 

I did put in my email that I would only communicate in writing but feel it could backfire and ultimately cost me more in the long run if I dig my heels in too much.

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I really would not trust the phone contact, repeat what is in the e-mail, and tell them you only deal with financial matters inwritting for security purposes.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Am I correct to think that they would have the same obligations to deal with me as per FSA guidelines?

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

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Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I suppose that I could still simply resend the email and maybe a third and even fourth time if needed to see if I get anywhere before the 20th Jan. I will see if anybody could confirm what we believe. Thank you.

Knowledge is Power

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Have I been of any help to you? if so please click my scales to the left to enhance my reputation. Thank you. If not PM me.

 

Nationwide - won claim 

Advice & opinions of mahharg are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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