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    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
    • The largest ever amount that went into that account was £500 which was about 7 months before it was blocked.    There was no going forward income as the 1st lockdown came 6 weeks later and I went straight onto universal credit after that and have been on it ever since.    Bottom line, at the time it was the only account I had add and all of my savings of £16500 were in there which I had no access to after it was blocked. Tried to contact the car finance company but no one was available throughout the pandemic likewise many other companies who registered a default
    • so you got the original letter asking for your side of the story and replied by email. post up what you said in your reply by email please and their reply.   you later got a letter stating this will be heard by the simple justice proceedure at xyz court on xyz date but still inviting you comment or plea?   how many time and how many days did you use this for and WHAT EXCATLY (the bit in black) on the letter from the SJP court have you been charged with..??   one specific event on xyz date ,...with other uses being by tickboxes to be taken into consideration and wiped if you agree?   what DATE is the court hearing?
    • A more controversial point is that Johnson has made it illegal to look after your family, requiring you to choose between them.   No one I know doubts or questions that people hosting raves and such like should be prosecuted given the situation, just as those gathering for fox hunts and grouse shoots should be, but effectively making people who are simply trying to safely and sensibly look after their own into criminals while the government pals do whatever they like and are thrown taxpayer money by the BILLION for nothing is obnoxious and abhorrent, especially when you can go to a restaurant or supermarket or transport hub and be in close contact with hundreds of strangers.     Oh look - 6 + 1 in close contact from 14+ households and only one wearing a mask - leading by appallingly bad example.    
    • got to have been due to them being suspect of large unaccounted for sums going in and out, sounds like a fraud investigation to me as thats the only real reason banks totally block everything.   you say this happened in january..why did you not immediately get all your going forward income paid to another account? that doesn't take 10mts.?   you are going  to have a hardtime claiming defaults on your credit file some +3mts later and a repo'd car some month later is their fault.
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Barclaycard CCA Unobtainable


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Dear All

 

Looking for some advice on this:

 

Despite numerous requests and assertions that they had Barclaycard have failed to produce the original credit agreement.

 

This finally came to a head when we advised the latest in a long line of DCAs that the CCA Barclaycard claimed to be correct wasn't and why.

 

They then backed off and took the matter up with Barclaycard directly. I have just received a letter from them stating that they had "been advised that it is no longer available". They go on to say they have closed their file and will not be making any further contact.

 

My question is how do I get this finished properly? Do I contact Barclaycard directly and request that they remove themselves from my credit file or do I contact the credit agencies or both?

 

Delighted with the outcome but want closure.

 

Thanks for reading.

Skeeks

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Is it BC or the DCA who has closed the file and will not contact you again?

 

If it is the DCA have they purchased the alleged debt or where they just acting for BC?

 

From my own experience BC do not usually give in this easily

 

FS

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Hi if you have it in writing from BC then all it means is that BC or their tame DCA'S cannot take you to court they can mark your CRA files with a default and continue to pester you for payment though you can tell them to go forth etc.

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi

 

Thank you for your replies.

 

Just to clarify the alleged debt was sold by BC to another party earlier this year who then began pursuit. It is they who have confirmed what we already knew in writing that the CCA could not be produced.

 

We have throughout this process (two and a half years) been in dispute over this with BC and requested the CCA from each and every one of the DCA's they've dispatched after us.

 

We want to ensure that no default is recorded as this account has been in dispute but we don't know where to go from here and want to get this closed off once and for all.

 

So back to my original question:

 

"how do I get this finished properly? Do I contact Barclaycard directly and request that they remove themselves from my credit file or do I contact the credit agencies or both or none of the above?"

 

Thanks again, be interested to know what you think.

 

S

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Hi if you have had the account and they can prove this from statement history etc, then they can trash your credit files. If you have not had an account then you can have them for compensation at this time £1000 a time.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi Skeeks,

 

The only way you'll get closure is if BC or a DCA take court action which you defend successfully.

 

You will not win if you try taking BC to court, after the case of Carey v HSBC.

 

If there is not credit agreement available, you may be able to argue against a Default that has been registered but this can be a long and painful process.

 

Have you reclaimed all default charges and/or PPI on this a/c to reduce the balance owing.

 

:-)

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