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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
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    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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isable

Help!!! Please Barclay account fraud transactions

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Last month when I checked my online accounts there were few fraud transactions on 28th Oct(total £290,even my card was with me)I phoned Barclays and told them that I dont recognise those transactions and she cancelled my card and told me they will send me claim form.Next day when I checked my account again another £58 pounds were gone.I contacted barclays and asked them how come that happened even when I had got cancelled my card.they told me this transaction was made on 28th 0ct,has appeared now,I asked her if there was any other fraud transaction which is waiting to appear,she told me there that this was last transaction)They sent me claim form which I filled n sent them back.I got refunded that amount on 11th NOv.I was away for last 2 weeks when I came home last week i found one letter from barclays that there was one transaction of £521 if I dont recognise then sign that form n send them back within 14 days otherwise my account will debited that amount(that time had already passed when i found that letter)but i signed that form n returned to them.

Yesterday they hv taken that amount from my account and I phoned them they told me that transaction was made on 28th oct(same time when other fraud transactions were being made)I asked them why they did not tell me when I was asking them if there was any other transaction,and this transaction why never appeared on my account untill yesterday,This transaction has also not appeared on my monthly statement.

I believe barclay has tried to cheat me by not disclosing that amount in first place,when other transaction have been checked by them and i got refund for those,why they did considered this amount(£521 which i thick they want toput on my account)now they r saying i should investigate myself and this transaction was diffirent from others so thats why it did not appear on my acounts:mad: which is very strange to me.

what options Now I have?

if some one can advise it will be much appreciated.

thanks in advance.

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Well, I think this is a problem with the whole Banking system, not just with Barclays.

 

Transactions using a Debit Card are authorised, then are collected - the amount doesn't have to be debited when the authorisation is given.

 

I think what is happening is that the Merchant Services that is processing these transactions are delaying, for some reason.

 

The good news is you should be covered against any fraudulent account transactions, but you need to manage them reactively by highlighting them to the Bank when you discover them.

 

They should be taking steps to prevent the fraud recurring, though, like altering account details, etc. Not convenient, but you're not alone in having to do this type of thing. I've had my bank account details changed 5 times to prevent fraud - it's just a numbers game.


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Hi Isable and welcome to CAG.

 

Are you saying that Barclays have now taken the £521 from your bank account, like it was a proper transaction made by you.

 

New regulations came into force last month which say the bank must give you back the money you say was taken by fraud while they investigate the matter.


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HI Slick,yes they hv taken £521 from my account which appeared only on 3rd Dec. on my online accounts.Funny thing of this all situation,they returned £296 which I could see in my online accounts and they never let £521 ppear untill 3rd DEC.:mad: and now they say this transaction was made on 28th OCT,this trasaction was diifirent from others(while every other transaction was also diffirent bcz that was made in diffirent locations) and how come that guy whoever investigated this case missed this transaction when he must hv found that was also one them.

thanks for reply Slick.

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Hi Isable,

 

If you haven't already done so, write to the bank and complain that the £521 is another fraudulent transaction and should be reversed to credit the money back to your a/c.

 

Tell the bank you are aware of the new FSA regulations which require the bank to refund your money promptly, regardless of whether their enquiries are complete or not.

 

Do this in writing and not by phone and keep copies of all letters. Ask for full details of this transaction such as:-

 

1. Was this purchase made on-line or at a shop.

 

2. What shop or site was the purchase made from and what was bought.

 

3. Was the purchase made in a shop or on-line.

 

4. Was there an address given for delivery.


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