Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
jo90

Barclays - Help or assistance required

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4038 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

Hi, hope someone might be able to advise me.

 

Ive been a Barclays customer since they took over The Woolwich. Recently I was made redundant as have been so many, and as such approached Barclays with the standard letter and budget sheet as advised by the CAB. I recieved a letter today from Barclays stating that due to the outstanding amount I owe and the amount I have offered to pay they are closing my account and assigning it to creditors. Here now is where my problem lies.

 

Though im out of work I am actively seeking employment. I work in the IT industry by trade and of recent I have been approached for potential interviews within the financial sector (though doing their IT work). If I end up pushed to creditors this will leave me with a black mark against my credit history. Potentialy this may well stop me obtaining a job with a financial company as you have to have a credit check with most employers. I contacted Barclays to explain this, going over my outgoings and incomings with them and asking if they would at the very least allow me a few months, interest free, to try and ensure I find a role. Their reply was far from helpful, explaining that at this time they where unable to help.

 

So now im stuck. They are asking that I simply keep below my overdraft threshold, but to do this I would have to find approx £50 a month. Take into account im only recieveing £257 on job seekers, and that I have other outgoings such as food, living expense (the usual stuff, nothing frivaless) i simply cannot find that much.

 

Has anyone else found themselves in this position at all and found a way out, or does anyone have any advice on what i can do next ?

 

I will be writing to them again today directly (no CAB forms) to explain my situation in detail (the fact I was made redundant of no fault of my own, that Barclays have never once had to issue any warning to me in all the years etc I have been with them and so on).

 

Hope someone can give me some advice, what Barclays are planning to do could stop me finding work, of which I really need to get back into.

 

cheers

Share this post


Link to post
Share on other sites

Hi Jo90 and welcome to CAG.

 

I'm sorry to learn of your predicament, which is a real dilemma.

 

I'll have a think about this, but nothing springs to mind immediately that would be of much help.

 

Have you tried going into your own branch to speak to your own manager (if such a thing still exists). A bit of personal contact with someone who has some discression, rather than automatons who have their hands tied.

 

If you could avoid the a/c being closed, even for a short while, this may buy you the time you need to find either the money or the job that will get you out of this mess.


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 !:-)

Share this post


Link to post
Share on other sites

I would go into a branch but i do not actually have a 'home branch' to speak of. There is one in my town, but they are not actually classed as my account manager - daft to put it blunt huh.

 

Finding the money is going to be difficult. Familly are already helping me with some payments, so they cant really do any more. Bit stuck on this one.

Share this post


Link to post
Share on other sites

In your circumstances, at least try calling your local branch and make an appointment to see a manager.

 

Even if this is a long shot, it has to be worth trying.

 

Good luck. :)


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 !:-)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...