Jump to content

  • Tweets

  • Posts

    • Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900. So I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold. They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs. They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request. Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure. Thanks PM
    • The airline's boss Scott Kirby tells the BBC passenger testing is "key to reopening the world economy". View the full article
    • Latest sales and profits figures from America's big tech companies exceed Wall Street expectations. View the full article
  • 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.
       
        • Thanks
      • 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

Barclycard, Barclays joint bank, Barclays mortgage?


Please note that this topic has not had any new posts for the last 3555 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

Hello, I recieved a letter from Calders beginning of January, same as most folk I expect. Then a few days ago my phone started ringing; I've substituted a fake name for myself naturally. I answer the phone and the conversation went like this:-

 

Calders: "John Jenkins?"

Me: "Who?"

Calders: "John?"

Me: "Who's John?"

Calders: "Is that John?"

Me: "Who are you?"

Calders: "John Jenkins?"

Me: "Who's that, I dont know any John Jenkins and who are you?"

Calders: "This is Calders Financial"

Me: "You got the wrong number m8"

 

Man from Calders put the phone down.

 

Calders.jpg

Link to post
Share on other sites
  • Replies 78
  • Created
  • Last Reply

Top Posters In This Topic

Hi Cat.

 

Just the usual stuff from Calders aka Mercers aka Barclaycard.

 

Did you send off, and get a response to, your SAR ?

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites
Hi Cat.

 

Just the usual stuff from Calders aka Mercers aka Barclaycard.

 

Did you send off, and get a response to, your SAR ?

 

:)

 

Hi Slick, I did send off for my SAR and recieved it. A lot of computer printouts:eek:! There are only a handful of charges so I'm in two minds what to do about them yet.

 

Thanks, Cat.

Link to post
Share on other sites

How many charges and how far back do they go.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

Ref my recieved SAR request.

 

slick132, could you or somebody please help me with a suitable letter to send to BC requesting data relating to each penalty charge detailing the date and amount as the only info about charges in my SAR are very minimal in that they dont itemise any dates.

 

Thanks, catuk

Link to post
Share on other sites

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

Hello Mitch, I didn't recieve any CCA with my SAR; the only bit pretaining to be a CCA from BC I had was in the beginning of the whole process and that was the usual T&Cs.

I'm just about to send off a letter regarding the charges, as in the SAR the info provided was minimilistic at best (no specified transactions/dates).

 

The SAR was a lot of computer printouts with a lot of data but more importantly didn't show day to day/month to month transactions as in the statements you get once a month for your BCard.

Link to post
Share on other sites

The credit agreement will not be provided in response to a SAR, which is a demand for data which is held, and not documents.

 

If you press the point, the bank may confirm the data which is on the agreement, but not provide a copy of it.

 

If you want sight of the credit agreement, you must start with the CCA request and move on from there.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

Link to post
Share on other sites

Slick,

Done all that as stated in my thread just looking for a way to force these guys to provide the information we require.

Seen in other threads that involvement from FOS seems to get results may draft up letter stating to BC that getting FOS involved pushes them to provide some sort of response why can't they just provide what is asked for without getting them involved. Simples !!!!

Cheers Mitch.

Link to post
Share on other sites

Hi Mitch,

 

I'll deal with this on your thread to avoid hijacking Cat's thread further.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

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

Hi Cat,

 

Have you had a default notice on this a/c.

 

Any joy yet in getting the a/c data in response to your SAR.

 

Ignore Calders and their Snot-o-Gram. :)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

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

Hi cat,

 

Have you had a full response to your SAR yet.

 

If not, this would be sufficient to consider the a/c to be In Dispute and you could send the latest DCA the "Bemused" letter.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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

 

Thanks !:-)

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

Hi Slick, I had the default notice from Mercers earlier in my thread here;

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/197756-barclycard-barclays-joint-bank-3.html

 

This is what I just had from Debt Managers who are the 4th and latest DCA to hound me. I've already sent Debt Managers ( and the other DCAs) the account in dispute letter.

 

DebtManagersFinalDemand-Copy.jpg

Link to post
Share on other sites
Debt Managers are regulars on the Barclaycard list and as you can see a lot MAY happen. :)

 

DD

 

Hi DD, should I send Debt Managers any other letters or sit tight and see what comes next?

 

Thanks.

Link to post
Share on other sites

Hi CatUK

 

I noticed that you questioned who Calders were earlier, take a look at the tiny print at the bottom of their letter. They are part of Mercers who in turn are part of Barclaycard. They just pass the details across the gangways desk to desk in the thuggery unit based in Liverpool. However whilst all this is going on they may use several others including Power2Contact, Resolvecall, Scotcall, Credit Solutions (another desk in Barclaysharks thuggery unit), Moorcroft and of course you have seen Debt Managers. None of them really like you knowing anything about the Law but all can be seen off with a little perseverance and digging your heels in.

 

However the Default Notice you have received from Mercers will be defective in a number of ways, it won't have the full name and address of the original creditor on it, it probably will not have given you the statutory requiremnt in terms of clear days to remedy the default and of course the figures will be wrong because they will contain unlawful charges and the Law requires those figures to be absolutely correct. Now you have the formal demand from Calders, does this demand the full outstanding balance on the alleged account? If it does then this can be treated as unlawful recission on the back of a defective DN. There is a weight of opinion on this forum that this termination should be accepted in writing. At this point the OC can only ever claim the correct amount of arrears at the time of termination NOT the full outstanding balance. Plus this will also leave them open to a claim for damages for the unlawful recission of the alleged account as per the Koprahor case. There is a very good but complex thread on Invalid Default Notices in the Debt Collection Forum. Its certainly worth a read.

 

regards

oilyrag.:)

Link to post
Share on other sites
Hi CatUK

 

I noticed that you questioned who Calders were earlier, take a look at the tiny print at the bottom of their letter. They are part of Mercers who in turn are part of Barclaycard. They just pass the details across the gangways desk to desk in the thuggery unit based in Liverpool. However whilst all this is going on they may use several others including Power2Contact, Resolvecall, Scotcall, Credit Solutions (another desk in Barclaysharks thuggery unit), Moorcroft and of course you have seen Debt Managers. None of them really like you knowing anything about the Law but all can be seen off with a little perseverance and digging your heels in.

 

However the Default Notice you have received from Mercers will be defective in a number of ways, it won't have the full name and address of the original creditor on it, it probably will not have given you the statutory requiremnt in terms of clear days to remedy the default and of course the figures will be wrong because they will contain unlawful charges and the Law requires those figures to be absolutely correct. Now you have the formal demand from Calders, does this demand the full outstanding balance on the alleged account? If it does then this can be treated as unlawful recission on the back of a defective DN. There is a weight of opinion on this forum that this termination should be accepted in writing. At this point the OC can only ever claim the correct amount of arrears at the time of termination NOT the full outstanding balance. Plus this will also leave them open to a claim for damages for the unlawful recission of the alleged account as per the Koprahor case. There is a very good but complex thread on Invalid Default Notices in the Debt Collection Forum. Its certainly worth a read.

 

regards

oilyrag.:)

 

Hi oilyrag, the figures on the Mercer DN are different to the Calder Financial "Formal Demand for Payment" and the Calder one states:-

 

"As you have not complied with the recent Default Notice, the outstanding balance as shown above is now due in full and we demand that you pay us this ammount immediately. Your balance will continue to acrue interest at the current rate until we recieve this payment. We will no longer send statements to you."

 

I had a letter from Debt Managers today of which I'm not sure how to take it; any thoughts guys/girls?

 

DebtManagersLtdclosedfile-Copy.jpg

Link to post
Share on other sites

Evening, 4 DCAs so far and the last one Debt Managers, have closed their file and returned it to BC. Am I likely to hear from another DCA or BCard now?

 

Thanks.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...