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    • Thanks BN   I take it this is a good sign then like you say. I certainly won’t be making any payments to them.
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shinobi101

Threatened with Default Notice by Barclays

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I had a phone call saying loan would go into default soon. Told them to deal in writing only from now on.

 

Does anyone know if Barclays loan default notices are any good?

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Bump. I'll probably find out soon enough, but if barclays know how to write a DN, I'll need to negotitate a bit more.

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If it does turn out to be invalid, don't tell them. Let them terminate the account then all they can ask you for is the arrears, not the capital.

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Fingers crossed :)

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have you asked for a cca yet? if not good idea whilst you are waiting

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Yes. Demanded "contract signed by, and therefore binding both parties"

And "the actual accounting" which would prove whether they actually lent me any real money or not. (Or did they just monetise my signature?)

 

Also, demanded their assurance that the "original instrument of indebtedness will be returned to me in its original form on final settlement"

I don't really know what that means, but wanted to find out, so I demanded it.

 

There is a form letter offering full settlement in immediate exchange for the original instrument of indebtedness in its original form. Apparently banks don't accept this offer.

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Yes. Demanded "contract signed by, and therefore binding both parties"

And "the actual accounting" which would prove whether they actually lent me any real money or not. (Or did they just monetise my signature?)

 

Also, demanded their assurance that the "original instrument of indebtedness will be returned to me in its original form on final settlement"

I don't really know what that means, but wanted to find out, so I demanded it.

 

There is a form letter offering full settlement in immediate exchange for the original instrument of indebtedness in its original form. Apparently banks don't accept this offer.

 

was that a s78 cca request?

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was that a s78 cca request?

 

No, it was a form letter from *EDIT*

 

It does demand the signed document.

Edited by 42man
Removed commercial link

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No, it was a form letter from *EDIT*

 

It does demand the signed document.

 

suggest you send the one on this forum (see templates) if you did not quote s77/79 of the cca as your basis for the request with a one poun p o and send recorded dly

Edited by 42man
removed commercial link

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suggest you send the one on this forum (see templates) if you did not quote s77/79 of the cca as your basis for the request with a one poun p o and send recorded dly

 

Will do. Have raised this as a complaint. But what the hell. I'll send them a standard cca request as well.

 

My copy of the contract looks like the one linked from post number 4 of this thread:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170521-barclays-loan-help.html

 

Prescribed terms on one page, signature on the other. Main difference is I don't have PPI.

 

I'm thinking I can get rid of about 11k

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