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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  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • 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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pelvicthrust

BarclayCard charges

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Those scandolous people have been hassling me big-time recently. Not satisfied with charging me £24 /mnth for Late payment but also charging me INTEREST rates on standard balance AND cash balance. Whatever these are about I really dont know. I'd be interested in hearing from anyone with similar issues! Any help would be of use.

Reagrds:(

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you can reclaim all fees/charges and aproportion of interest assigned to those charges too.

what about mis-sold PPI as well?

 

more info needed

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Rightio, thanks for the support. I'll send more info. if thats ok. PPI? not sure what that is... is it the 'card insurance' [problem]?

regards

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yep, they hide it via various names.

but if you didn't ask for it you should be charged it.

 

have a look in the PPI forum at the sticky entitled 'notes for claimants' that should give you tthe basic info to start that one.

 

call for help if you need it.

 

and start a new thread there too!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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They are charging me interest on 1 Cash balance £11.08 2 Standard Balance £37.14 3 Default sum balance ! 00.10pence.

On top of this £12.00 for late payment and £12.00 for over credit limit charge.

I told them yesterday I'd sort a payment out this week( of £382.00). Toay they've rang me 3 times demanding payment! ******s.

I'll check out the other thread , thanks.

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Checked the PPI forum. Their doesnt seem to be any sign that I've been charged for 'insurance'. Since October I've not paid anything, for various reasons 1 Thought I'd set up a d/d 2 I've not checcked my statements.

Soon as i realised it was gtting out of hand (last week) I made an immediate payment of £200. Since then they've not stopped ringing me! funnily (!?) enough before that they NEVER

rang me once.

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Today I have found a default notice from "Mercers" -debt collection agency demanding over £500. THis was sent last week. Since then I've had numerous phone calls from Barclaycard. Not only are they hounding me - they dont know what they're doing!

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ok well keep off the phone.

 

i'd get reclaiming on those charges

there must be heeps of 'em.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Pelvic,

 

Send off a SAR to get full details of all penalty charges made to the a/c, and reclaim them.

 

:)


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Thanks peeps, I'll do that. I have already done that, which they chose to ignore (2 months ago).But this time I'll send it recorded delivery. It's quite horrible, they call at ALL hours. Sunday evening on the one time I did take the call, I found myself confirming my address, phone numbers etc. The following day my internet a/c was blocked and calls from 'Mercers' started.

Thanks again....this is not a nice time...all appreciated.

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See here about the TruCall device - peeps that use it say it works a treat. The Consumer Forums - Telephone Recorders reviews.

 

If you've already sent a SAR but no response, was it a proper Site template letter enclosing the £10 fee.

 

If it was, don't just send another with more money. See items 18, 19 and 20 in the Bank Template Library about SAR non-compliance.

 

General rule is to NOT answer security Q's and hang up.

 

What has your internet a/c got to do with Mercers. :confused:

 

:)


We could do with some help from you

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Thanks again for the advice. I believe B/card blocked my access to my internet a/c so i would b forced to phne them. Yes..I am getting paranoid...

regards

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Hmmm,

 

That's certainly not a trick I've heard of BC using and, even if they wanted to, I don't see how they could affect your computer access to the WorldWideWonderWeb. :confused:

 

:)


We could do with some help from you

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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 !:-)

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no i think he means access to his BC a/c online via the website

 

BC do this as a matter of course.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ahaa !!

 

Doh :rolleyes:

 

What a Noddy - I thought it was strange that BC could affect someone's internet service.


We could do with some help from you

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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 !:-)

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Fed-up,annoyed and a concerned I am but not a Noddy.Not helpful.

Slick, I did say .."access to my internet account". The calls are getting more an more constant. I will bring my account it in order as much as possible before the end of this week, like I told them. The list of statements has arrived! So I'll get about to working out my next p.o.a.

regards and thanks again.

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no i think slick means he was a noddy for not understanding!

 

good luck let us know if you need help with the reclaim

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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..lol...like i sayI am getting paranoid! After this I will never have anything to do with Barclays, ever again. The calls are constant, quite unbelievable.

regards

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Hi Pelvic,

 

As DX says, I was calling ME a Noddy for misunderstanding what you said. :D

 

Re phone calls, the answer is TruCall as per post #11 above.

 

:)


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 !:-)

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