Barclaycard - right, wrong or speaking in tongues and trying to confuse?

[MorganaNK]

As far as I am aware no termination notice has been issued... and as to which Friday - they can turn up any Friday their heart desires - we won't be there!

 

Thank you for the advice... shall stick it on the ignore pile x

[the_shadow]

Well its not been sold to RMA, they're just attempting to collect ;-)

 

Send them the bemused letter

 

And thanks to the Manchester test cases ruling t&c does not meet the requirements for a s78 request imo as they well know as Barclays were told this by the judge ;-).

 

S.

[the_shadow]

RMA are actually NCO europe, I've not heard them dealing with Barclays debts before, normally MBNA and AMEX use them a lot.

 

As to the postcard, its different, normally its a MR P GREEN or C BROWN or the such they obviously ran out of colours.

 

It means they'll attempt to PHONE you on that day ;-)

 

S.

[MorganaNK]

Hmmm, that means they'll get the "this number has been changed to" message - and then we will have to start blocking them all over again!

 

Can someone link me to the "bemused" template?

 

Thanks

 

Still needing help finding the "bemused" template... I can't find it... does that make me even more bemused?!?

[the_shadow]

Sorry,

 

Try this one.

 

S.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

[MorganaNK]

Thanks Shadow... slightly less bemused now...

[the_shadow]

ok how about "befuddled"... I love that word ;-)

 

 

The DCA should return it to Barclays or at least put on hold while they "correspond with their client"... if they dont then demand their complaints procedure and suggest you are going to be making a complaint to the OFT for non-investigation of a valid complaint.

 

S.

[MorganaNK]

Befuddled; hmmm, I think you may be onto something!

 

Barclayshark seem to be washing their hands of it. All they keep saying is "we have sent you all we need to, now go away you annoying little bug"... I am looking forward to burying them under the contents of a small rainforest!

 

Thanks again Shadow

[the_shadow]

Befuddled; hmmm, I think you may be onto something!

 

Barclayshark seem to be washing their hands of it. All they keep saying is "we have sent you all we need to, now go away you annoying little bug"... I am looking forward to burying them under the contents of a small rainforest!

 

Thanks again Shadow

 

Nay problem, I'm slightly behind you in that I've not been passed externally so far.

 

I think Barclays will need to update their templates pretty sharpish after the Manchester test rulings on s77/s78 responses

 

S.

[MorganaNK]

That is what actually amazes me... that none of the parties involved have looked at themselves and the paperwork they produce and have then thought "You know what, maybe we need to look at this so that we comply..." I mean, maybe I am living in cloud cuckoo land but...

[the_shadow]

There is only one thing that drives these companies... and thats the bottom line. Anything that impacts this will cause problems.

 

Having masses of debts that are unenforceable is not an option for these businesses as they have securitized the income stream from these debts and invested in further mortgages and loans etc.

 

S.

[moneymummy1]

will be following this with interest, you are several steps infront of me...I look forward to the same old pile of twoddle arriving through my letter box too

[MorganaNK]

We are now being threatened with court action - that's two of them this week!

 

Royds/Wescot I think we will make an offer to; but this one (I shall scan the letter at work tomorrow) I want to verbally kneecap. Guess it'll be the bemused letter - is there one that mentions what they were told in the Manchester test case?

 

Gracias

[MorganaNK]

..

[citizenB]

 

The letter then goes on saying we will receive no more statements, interest will be reduced to 1% per month, and the PPP has been cancelled. They go on about Credit Reference agencies and all the usual jazz, and finish with the old "If you do not make this payment or phone us to reach an agreement within 7 days, a County Court Judgment may be registered against you."

 

 

 

 

but I just want to make sure that I don't make things worse for my 70 year old mum...

 

Hold on a second.. PPP cancelled - 70 year old mum ?? Why was there a payment protection policy on this account ?

 

Did your mum ask for it and surely barclayshark were aware of her age ??

 

You really, really want to see a copy of the original agreement and or some indication of when this PPP was added. a) to see if she ticked any boxes or b) if they just decided to add it somewhere along the line.

 

In fact, this could be a better reason to put this account into dispute.

[MorganaNK]

This account is already in dispute because all they sent her were two photocopies of the T&C.

 

If I remember correctly, mum was working when this card was taken out - she worked up to early 2006 - it might even have been via the Woolwich when it was in existence.

 

I am thinking of doing a subject access request when I get some cash... but I need to fend off Westminster for the time being.

 

This is the second we are taking you to court letter that she has got this week - the other is in the LTSB/Wescot thread... as I said, I think we will have to offer a payment to Royds... but this one?!?

[citizenB]

So it was taken out some while ago ?

 

Irrespective of this, there should have been no PPP attached to any loan/credit past her legal retirement date. Almost certainly an SAR would be worth obtaining.

 

If you could get hold of statements for the last 10 years then it could be worth making a claim for the PPP to be refunded.

[citizenB]

Westminster needs to be told there is a dispute and that it has only just been brought to your attention that there is a more serious complaint which you will be taking up with Barclayshark in the first instance and the Financial Ombudsman if BC fail to respond satisfactorily.

 

Perhaps then a letter to B/shark saying that revisiting some of their letters in order to make a formal complaint to the ombudsman, you notice that they have "cancelled PPP" (you can take the correct wording from their letter and also put the date of it).

 

Having taken advice, you are now wondering why this PPP was actually applied to the account as to your recollection it was never requested. Perhaps if they could clarify this by providing you with a copy of the agreement that includes your request for this product. If they are unable to provide this, then perhaps they can provide some other proof that this product was requested by me.

 

Send a copy of the B/shark letter to Westminster.

 

That should set the cat among the pigeons

[MorganaNK]

Thanks CitizenB, I will do the subject access soon... and I am not entirely sure when the card was taken out... but pretty sure she was in her 60's...

 

Do I send Westminster a "bemused" letter; and is there one that mentions the Manchester test case? I want to send them something to shut them up.

[MorganaNK]

You beat me to it! Thanks

[citizenB]

You beat me to it! Thanks

 

You are very welcome..

 

hmmmm, you say she was 60 when she took the card out.. that PPP should NOT have been sold to her:confused:

 

You really, really need to see paperwork in connection with the selling of that and also the policy document.

[the_shadow]

You are very welcome..

 

hmmmm, you say she was 60 when she took the card out.. that PPP should NOT have been sold to her:confused:

 

You really, really need to see paperwork in connection with the selling of that and also the policy document.

 

Agree with this... you definitely need to see the terms and conditions of the PPI as more often than not they do not cover people of a certain age.

 

S.

[MorganaNK]

The only thing that we can get out of Barclayshark are two photocopies of the T&C... and the letters saying that they have done all that they intend to...

 

Will do as suggested when I get home tonight - all the info is on that PC.

 

Thank you for your help

[MorganaNK]

Well, Barclayshark have moved it on to someone else again (possibly another desk along the corridoor or one of their "legal department" but I don't have the letter to hand)... and it is the usual bovine excrement "You haven't responded to XXX's letters... we will come round and kneecap you or drag you to court... yadda yadda yadda"

 

Shall I ignore or send copies of the other letters to this bunch of halfwitts (despite conclusive proof that the threat monkeys cannot read anything unless it has £ and lots of 0's at the end)???

[MorganaNK]

It's NCO... whose threat monkeys hail from Preston