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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Are There Any Social Workers on CAG ?

      By unclebulgaria67 · Posted

      How are you funding the privately run supported living housing in the new city ?  Why are you moving? Have you served in armed forces previously? If you are registered with the existing Council as disabled or have other needs they assist with, then depending on the reasons for needing to move, your current Council may help with costs of moving. But you would have to submit an application to them. So you are best to speak to your current council about the help you are seeking.  It is not about a Council being responsible as I don't think there are specific laws saying a Council has to help with costs of transportation. And in regard to Housing costs in new city, as this is going to be private, I don't think the Council will pay under Housing Benefits. You might have to claim Universal Credit, but UC might not cover the full cost as Housing is limited to Local Housing Allowance. Citizens Advice are generally worth contacting about complex Housing issues.
    • Sach45
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      I was really hoping these were the kind of comments I was going to get as I’ve never felt so low on my life..
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      Are There Any Social Workers on CAG ?

      By honeybee13 · Posted

      Hi. I don't know if we have any social workers here, I'm afraid. I'll flag your thread for site team member @stu007, he may be able to give you a few tips. HB
    • Ex expat3
      Idr/J&P Emirates NBD - credit card in Dubai

      By Ex expat3 · Posted

      But if it’s the bank themselves emailing me to say they are now looking after the debt… so I still ignore?  also I’ve checked my spam and I’ve had an email from the bank to say that J&P are now also acting on their behalf?  How can they pass it on to two agencies? I’ve not seen any threads with this situation before?  they know from my letter I’m not working atm and  have no assets etc
    • dx100uk
      Asda - caught shoplifting

      By dx100uk · Posted

      good advice, but police wont ever get involved after the event. they and their most recent gov't publicity are only interested in people shoplifting for organised gangs, typically associated with drugs funding.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Me v Barclaycard

nancyspain

By nancyspain
in Barclaycard

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slick132

slick132

Posted
Posted

So now it's time for you to ignore them and don't let them fluster you.

 

If someone DOES turn up at your home, follow the advise, politely and firmly. They have no power whatsoever, and they know it. Don't engage in any coversations.

 

:)

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  • 4 weeks later...
nancyspain

nancyspain

Posted
  • Author
Posted

Received a letter yesterday from Barclaycard stating what they had sent me my agreement (only ever rec'd photocopies of t&cs)and that as far as they were concerned a/c was not in dispute. Phone call from withheld no to my mobile from Calder Financial:-?. Who are they and is there anything else I should do?

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slick132

slick132

Posted
Posted

Hi Nancy,

 

Calders are just another DCA who work for BC.

 

I see you sent your CCA request in mid March and got T&C's back in response.

 

Take a look here and see if you fancy making a complaint to the FOS - http://www.consumeractiongroup.co.uk/forum/barclaycard/201069-barclaycard-bradley68.html

 

May be worth the cost of a stamp. :)

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slick132

slick132

Posted
Posted

Hi Nancy,

 

Any complaint should be in writing if you want it taken seriously.

We could do with some help from you

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  • 1 month later...
nancyspain

nancyspain

Posted
  • Author
Posted

Just received a text message on my mobile from RMA whoever they are. They wanted me to ring them back or text back and they would get someone to contact me. Feeling rather brave I decided to text back with this reply.

Bugger off ref ............. is in dispute since April. I won't be paying anything til I see a copy of an agreement. DO NOT contact me again I know my rights thanks to CAG.

Did I do the right thing:confused:

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slick132

slick132

Posted
Posted

Thanks Nancy !! Just had to wipe sprayed tea off my computer screen. :D

 

Yes, that's right thing to do. Perhaps not QUITE what our template letter says but I'm sure they'll understand what you mean. ;)

 

RMA are just another DCA used by BC.

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sunflower99

sunflower99

Posted
Posted

Hi Nancyspain

Have Barclayshark ever passed you onto another of their depts called Calders?,I had mercers hasslong me for a long time and like you they set Scottcall on me for a short while but now got Calders which is still Barcalyshark in diguise and seem to be no different from Mercers! The only thing is in a rather pathetic attempt to intimidate people they call themselves Calders Legal services:rolleyes: Wonder if RMA will be set on me next!:eek:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 1 year later...
slick132

slick132

Posted
Posted

Hi Nancy,

 

Your options are:-

 

1. Simply ignore, but be aware they may return. Check out the Debt Collectors Library and see my Article about how to handle any home visit.

 

2. Call the number but withhold your number before calling. If they have your mobile or home number, they'll hound you with calls.

 

8)

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The Debt Star

The Debt Star

Posted
Posted
Card left in hall today from credit solutions obviously called to house card has mobile number and name of collector, should I ring him or just leave it, is there any chance they would call to house again?

 

Keep a camera to hand and photograph any collectors coming to your house. Take a picture of their car licence plate number as well. Tell them to leave your property. they have no legal right to be there and must leave on request.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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slick132

slick132

Posted
Posted

I would personally regard photography as an optional extra.

 

Many folk would feel awkward or nervous about taking pics of the callers or their cars.

 

The vast majority of doorstep callers leave peacefully when asked and taking pics may cause problems unnecessarily.

 

The aim is to not engage at all with the callers, so they realise they are not going to get any co-operation, and leave.

 

8-)

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  • 4 years later...
slick132

slick132

Posted
Posted
I think this account will be SB in a couple of months what should I do now?

 

Probably best to do nothing for now.

 

Do you know for sure when you last made a pay't to BC for this a/c.

 

:-)

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  • 2 months later...
slick132

slick132

Posted
Posted

Hi Nancy,

 

You need to check for sure when you last made a payment. This is crucial in deciding when the debt is SB'd, or not. Find out and let us know.

 

You should not respond to the letter for now. There is no obligation for you to do so.

 

Definitely do NOT call them.

 

:-)

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slick132

slick132

Posted
Posted

Hi Nancy,

 

If your last payment was Feb 2009, the a/c should be SB'd around May this year. Maybe a month earlier if the last pay't was Jan 2009.

 

" .......... how would I get this info?" Do nothing at all. Let them make whatever moves they wish. The more time that passes, the better.

 

If they decide to take court action, they'll do it unless you acknowledge the debt and offer to make a payment. This, of course, will re-set the SB clock for another 6 years.

 

Sit tight and do nothing. If they contact you, a CCA request may be the way forward.

 

Just let us know what happens.

 

:-)

We could do with some help from you

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  • 4 weeks later...
nancyspain

nancyspain

Posted
  • Author
Posted

2 letters received ( I have 2 cards ) 1 from PRA Group stating from 1st March Cabot has appointed them to manage their on going relationship with me & to contact them about payment. The 2nd from CCS Collect to contact them to pay back in installments to suit my financial circumstances.

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slick132

slick132

Posted
Posted

Hi Nancy,

 

I would continue to ignore for now ..............

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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