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    • Correcting a prior post. Oliver at least got fed every day didn't he. Tories will see the kids go without food for a week or two wont they.      
    • It was because the last day fell on a weekend so they had until the end of yesterday to reply. No reply and I have Requested Judgement this morning, I have requested full payment by the 3rd November. I think a week to for the to resolve is reasonable. I don't hold much hope of them even responding to that so feel it will need to be taken further.   What is my next step if I don't receive the full refund by 3rd November?
    • I did see that but I haven't seen any announcement.
    • Dodo is just a scapegoat - and well rewarded at that.   So here we are about 8 weeks and approaching 2 months from: (during which failing to even collect 250 spit samples a day  @£500M)   BBC Breakfast - Matt Hancock on coronavirus testing (03Sept20).mp4
    • Good morning,   Thanks for the reply.  This gym involves Legacy Leisure, the gym I use is Rutland Sports Park, though my account is linked to Friesland Sports Centre as that’s where I initially signed up (they have 5 different sites all working as one in this area).  It was a council owned and run gym before they brought in this third party to do it for them (and reduced the quality, but that’s a story for another day).   As suggested I have cancelled the direct debit.  I received another email last night telling me that they would freeze my account for a further 6 months for an ‘admin fee’ of £5 per month.  I will be telling them that’s not good enough.   Apparently I owe them £25 for an admin error on their behalf from about a year or so ago (they mentioned this at the time but said they would look in to it, and never mentioned it again).  I’m happy to pay what I owe outside of this £26 28-days notice fee.   So: what should I do next?   Thanks again,   Sam
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    • 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?
       
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    • 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!
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Barclaycard No CCA


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Hi EL,

 

I see no problem in reclaiming charges as a separate issue.

 

Also, you can and should insist on such charges being repaid to you direct and NOT used to reduce any balance on the a/c.

 

This is your right and if BC won't refund to you direct, you File a claim in court and pursue it until they repay you direct.

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Thanks Slick..going after the charges I think...already sent the prelim letter anyway! Wish I'd done the charges claim for my current account earlier...after totting up charges/ppi/credit card charges it clears a third of my debt. Suddenly things don't seem so disastrous but horrified I have been struggling for so long. No update on the CPR request, just a weird letter referring to token payments?! Given that I have not requested to make token payments on either Bcard it seemed odd and have not paid them a penny since my CCA requests. Didnt say which account it was referring to either? Just said Bcard did not accept payments of less than one percent of the outstanding balance unless approached by a credit counselling service. Threatening phone messages from a woman a Mercers have started again so Im guessing its a tactic to get me to pay...:)

 

 

 

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No response to CPR request and second deadline I set has now passed...

 

Next step the N244 then???

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Yes, that is the next step. Has anyone filed an N244 yet...any experiences desperately sought? Anyone?

 

 

Dont think so yet... I'm waiting for someone to announce on the thread below when theyve attempted it.

 

Why you shouldnt use s78.........

 

I'm only at letter 2 stage at present.

 

PmW

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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  • 2 weeks later...

Ok, been moving so unable to update...received some rubbish responses to CPR, after the deadline I had set, but nevertheless; for the Morgan Stanley Bcard account, I got a standard 'referral to complaints dept' letter and for the other Bcard exactly the same T and Cs and CCA 1978 letter they sent before, from a different name at Legal and Regulatory compliance. Address at top is misspelt and not the address when the card was taken out. More threats from Mercers. Pondering what next while I do some heavy lifting. Hope everyone is well! :)

 

 

 

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Hi El,

 

Hope you soon get all the boxes unpacked and are back to normal soon.

 

Great excitement while you have been moving :) - Barclaycard have come up with a new template letter of gobbledegook - this time banging on about Section 7 and all the usual rubbish saying that they can produce anything they like regardless of whether it has got anything to do with us, and it's our agreement. :rolleyes:

 

It's on militant consumer's thread amongst others. Or on mine, but I had to type it out.

 

Hope you can flop down and enjoy a drink before midnight.

 

DD

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Thanks DD! Still a bit haywire here but slowly getting there; several large Gin and Tonics have been poured and I thought a new era of calm would descend on the eastend...until...

 

Calder Financial, the charming fellows have started a new game of chase :rolleyes:. Just wrote them another letter referring back to Bcard, mentioning CPR, the T and Cs...etc etc etc. Gone all quiet with the MS Bcard and absolutely no word on missing terms/text. Am writing again to Barclaycard themselves to say they have not fulfilled my CPR requests and deciding whether to file an N44 now. I have lost count with how many complaints I must have running with Barclays now.

 

I will reiterate my utter disbelief at why the heavens it is so hard to find my CCA.

 

Thanks for all who have subbed...more news will hopefully be on the way shortly as I get myself organised again. :)

 

 

 

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Hi El,

 

It's always taken me ages to get properly sorted after a move. It's only really over when the very last packing case has gone. :)

 

I got an application form from bcard and there is a stamp saying "agreement sent ...." so as soon as my computer is repaired I'll be asking them to send it. Want to scan here for advice first though, and the computer won't be fixed until after 14th at the earliest. At least I have been able to borrow one which allows me to access email and get on this site. I was having withdrawal symptons after a week. :D

 

I have not heard very much from them since I wrote in January asking them to explain the discrepancies in the huge A3 thing they sent me. A couple of calls from Calders and I sent them back to bcard, but nothing more than that.

 

DD

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  • 1 month later...
You dont have to change your number just tell them you intend to sell the mobile and when they ring again get someone else to answer or change your voice and challenge them!!!!!:smile:

 

It works trust me!!:lol:

 

They always mis-pronounce my name so when they say is that 'Miss Trullupy' or something similar I can honestly say no! And as for calls to my mobile I always ignore calls from 0845 numbers, I think they've got the message because they don't call it any more.

This e-book is what got me started http://www.freedomfiles.org/mary-book.pdf

 

This short film opened my eyes

http://www.flixya.com/video/1164060/Money_As_Debt_-_Forex

 

In truth we can find peace and in unity we can cause change

http://www.tpuc.org/

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  • 5 months later...

Any news??

 

In same situation on my bc account

 

My oh has same czrap as Desperate Daniella

 

Have heard nothing for weeks but this week Moorcroft pre litigation dept sent 2 letters

 

Quaking in my boots!

 

Just wondered if anyne else at this stage - safety in n8umbers and all that!

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Hi DD

 

Looking for your thread where you have the A3 Morgan Stanley cxrap as my OH has the same and really cheating and seeing where you were

 

What do we do now? I am at a standstill with BC x2 and MBNA x2 REally keen to get them sorted

 

Harrassed-09

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I haven't heard anything for either Bcards for a while now. Wescot sent me a couple of letters, and I replied explaining that I hadn't received an explanation for the discrepancies on my cca and that the account should be returned to barclaycard. Nothing since...no response to my cpr requests either, so letting sleeping dogs lie for the moment. Anyone else got any news?

 

 

 

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Hi H09,

 

My thread is Desperate Daniella -v- MSDW/Barclaycard It has been very quiet for months. I've realised I haven't even posted the DCA news because DML just sent the same thing - half-size this time instead of double-size and I have just sent them back asking where the missing bits are.

 

No-one I have heard from has Q4. If you signed up for PPI you get a copy showing 11 questions, but if you didn't opt for this the application shows only 9.

 

The words cut and paste come to mind.

 

DD

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  • 3 weeks later...

Was surprised to see that there are no defaults on my credit file yet, although the red markers are piling up and it looks pretty trashed. Was still able to open a business bank account with Natwest, which was a major surprise, as I am now working again, another relief! Still no news on either account...

 

 

 

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Hi EL,

 

If you still haven't got sight of your credit agreement, see here - http://www.consumeractiongroup.co.uk/forum/barclaycard/231901-tony3x-barclaycard.html

 

:)

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  • 11 months later...

Ok...update to this thread...

 

Barclaycard have now sold the lesser of the two accounts. I have recieved a Notice of Assignment from Arrow Global and some threatening letters from Rossendales to my old address ( I have my mail forwarded).

 

Thinking about writing to them and stating my position on the CCA issue, and to let them know where I am living so I can challenge this head on.

What does anyone think?

 

Obviously I still haven't seen the CCA for this account. No word at all on the Bcard/Morgan Stanley account.

 

Hope everyone is well!

 

 

 

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Hi EL,

 

Long time, no see (or post !) and hope you're well too.

 

Since your last post here, a lot has changed - particularly regarding the cases of Carey v HSBC and Kneale V Barclays.

 

The first basically says the bank doesn't have to produce your credit agreement in response to a CCA request. They should still have to produce the agreement if they wanted to take court action to enforce the a/c in court.

 

The second case effectively put an end to seeking sight of the agreement using CPR31.16.

 

Am I right in thinking they have produced T&C's for this BC a/c.

 

8-)

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