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    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Blueskies v Barclays - **WON**


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Hi Blueskies,

Have been following you claim with interest, I too have taken on Barclays and I too have the acknowledgement of service signed by our friend Adrian St John. this was dated 24th January 2007, but i seem to have lost my way now, what happens next? I am quite prepared to go to court, but just concerned I should be doing something else, any advice would be appreciated. Thanks

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  • 2 weeks later...
  • 2 weeks later...

Hi i am new to this whole forum thing but could do with some advice. I have recieved a letter from barclays offering me £850 as a good will gesture. My claim was for £1660.00 + £304.90 interest i am not sure what the best move will be should i accept less than half the total amount or take the matter further.

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Hi, i have rcieved an offer from barclays for less than half of the claim what would you recomend do i accept or go for the whole amount. i am not sure what i need to do if i want to reject the offer and go for the full amount any advice

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Hi Atia,

 

Its really up to you and your current financial situation. The goodwill gesture is a standard move by Barclays. If you chose to reject it just write back saying you still wish the whole amount owing to you (there are letter templates in the bank forum section which will help you do this).

If you take the matter further you want to be looking at taking them to court, i know this seems very worrying but this is the stage i am at.

There are many useful threads on this site Ie: look under the sucess stories for Barclays. Hope this helps.

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Hi, Have you looked at the sucess story threads for Barclays they should put your mind at rest.

Its entirely up to you and your current financial situation as to wether you choose to accept or reject the offer made ( this goodwill gesture is standard from Barclays), I f you choose to reject look in the templates section for letter threatening to take court action. It will take longer to get all your money back but you have to look at your own situation.

 

It may help for you to have a read through all the Barclays threads. This is what i done & it really does help.

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I have just received an allocation questionnaire from Barclays bank (which I need to complete before next week). They too are apparently sending Adrian St.John to represent them. I have downloaded the 'basic court bundle' to read and a bit of info on how to complete the questionnaire. Is there anyone that has actually attended court against Barclays? Been trying to look but no luck.

Any help whatsoever would be greatly appreciated.

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  • 3 weeks later...

hi, have been going through sueing barclays since 23 nov 06and sent allocation questionnaire back on 11/03/07, only found this site after following guides on martin lewis's site. Do i just sit tight now, wait for court date? i dont get much time on computer as work away on building sites(not really the best place for a laptop) and seem to of just been winging it with help from reading this site when can. Any help appreciated, also how do i start my own thread? cheers from a thick builder!

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i am in the process of claiming back £1,195 worth of charges. i recieved my statements yesterday and was amazed at the amount they owe me. i am now going to write to the bank and ask for the charges to be returned to me. do i write to my local branch or head office. can anyone please advise.

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Hi Sally,

 

When i claimed i wrote to Barclays Head Office, Customer Relations in London.E14 5HP.

 

Expect the entire process to take around 6 months from when you request statements to when you get you cash back..

 

 

Hope this helps and good luck. Allie:)

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Hi Bluto, Basically yes, just sit back and wait for the allocation hearing date to come through this should be for your local court.Shouldnt have too much longer to wait. Once you recieve a court date through for allocation hearing its definately worth giving Barclays a call. But dont let on its just a court date for an allocation hearing. Say you just have a hearing date set and you would like to give them this final oppourtunity to settle up before it goes to court..

 

This is what i did and the money was transfered to my account that very afternoon.

 

OH to start your own thread just go to the barclays/ barclay card form page and scroll down for new thread.

 

Hope this helps. And good luck.

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I have just received an allocation questionnaire from Barclays bank (which I need to complete before next week). They too are apparently sending Adrian St.John to represent them. I have downloaded the 'basic court bundle' to read and a bit of info on how to complete the questionnaire. Is there anyone that has actually attended court against Barclays? Been trying to look but no luck.

Any help whatsoever would be greatly appreciated.

Hi Nikki, I too had adrian st john fight for barclays in my case.

 

Youll find that no barclays cases ever get to court as they seem to be settling a week or so before court.When you get your allocation hearing date through its worth giving barclays a ring to see if they want to cough up before court, (dont let on its only an allocation hearing though) As long as the courts and barclays have copies of your spreadsheets i would go ahead and try this. It worked for me and money was transfered the same afternoon. Hope this is of some help to you.

 

Kind regards Allie:)

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thanks very much, just wondering is the allocation hearing not the final step? its been a month now since aq went back, getting a bit restless. also adrian st john i'm up against

Any info appreciated

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Hi Bluto,

 

No allocation hearing is not the final one. Allocation hearing is just to decide on where your case is to be heard be it a small claims court (which if you are claiming £5000.00 or less is the one you want) or a fast track (claims of £5000.00 and above.

But, as i mentioned to you before i managed to settle mine once i recieved the allocation hearing date, BY CALLING bARCLAYS AND KUST TELLING THEM I HAD A HEARING DATE THROUGH. (LET THEM BELIEVE THIS DATE IS FOR THE FINAL HEARING YOU NEVER KNOW YOUR LUCK & IT WORTH A SHOT). I have the number i contacted if this helps.

 

I too had Adrian St John fitting for Barclays against me.

 

Let me know how you get on.

 

Best o luck Allie:)

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Hi Bluto,

 

Yes it wouldnt do any harm in chasing it up.

The telephone number at Barclays you want to ring is: 02071164664 and speak to Laura Wrage. She will probably ask you for your claim number and ask if you know who is dealing with your claim. So you just want to give her your claim number and she will put you in touch with who ever is dealing with your claim.. (I HAD CHARLIE SPARLING & HE WAS OK ACCOUNT WAS REIMBURSEDTHAT AFTERNOON.).

 

Hope every thing goes well for you. Ill have my fingers crossed, let me know how you get on.

 

Regards ALLIE;)

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  • 3 weeks later...

hi allie,

Finally got hearing date through last week, its on 28 june, so i've been trying to contact barclays on the number u gave me but it just goes to answerphone. I want to try settle over the phone like you did, but seem to have hit another brick wall. Any chance of some more advice?

Thanks bluto

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  • 11 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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