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    • as long as the letter is not entitled letter of/before claim' you are safe to ignore it...   however, have you moved since taking this card out and have not/did not since inform in writing to either MBNA or a DCA that you moved...thus they have from YOU notification of your correct address?   dx  
    • Mine does have a date on top right - 18th March. 
    • Hi there ,   Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection. The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.   I paid a few token payments for a while to various DCAs but then stopped 2012/13 trying to track for sure with bank .   They sent a second letter 22may with 7 day countdown saying they're going legal if arrangement not made.   If checked my credit file and there is no defaults present or dates so its dropped off but i don t know when.   My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.   Any advice as i am unsure how to approach this .   Thanks 
    • The company is gone,so like a deceased person who has capacity for OOT?
    • Could an out of time statement create a liability?   Surely at the moment they are pursuing the OP as director of the now dissolved company and they can only go after company assets. if the company is gone, the OP isn’t a director: so in what capacity do they plan to make an OOT statement? They aren’t a director anymore.   Would it be better to not make the OOT, and say “the company has gone, there are no assets remaining to enforce against, and any personal assets I have aren’t subject to any warrant of control you may have for company assets”
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Deb T

Overdraft Debt - Going nowhere - Bank don't/wont listen

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I haven't looked at my credit for years, last time I did and within a few weeks the likes of Lowell and Robinson Way then started up again

sending me letters for other now no longer relevant accounts.

 

I'm able to get online to the personal account, it's live, all statements from the past 10 years are there ( I have the ones previous to that)

 

I dont see any default , would I see it?

 

I'm not sure if the above is what you mean default?

 

(thanks for the SAR's list, now printed out) I'll locate the data controller within barclays on the morrow and send the sars recorded.


I reside in Dawlish Warren but am not a rabbit.

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no you wouldn't see it but the sar will reveal it.

 

if its not on your credit file now

 

88% its already had one and ben removed so cant comeback

 

nearly all credit files are free now

noddle

Experian

etc etc


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Ok, well whatever comes back I'll be sure to update this thread.

 

I'm not doing my credit file.....never ever ever ever ever again....

 

noddle you say? ha! j/k nah, I'll wait for the sar.


I reside in Dawlish Warren but am not a rabbit.

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why ever do you not want to do your credit file?


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" andyorch, If I thought I had a chance I'd give it a go, but I'm guessing as it's fees not charges it doesn't apply. "

 

Really ..whats the difference between a fee and a charge ?

 

Well the following cant be correct ....

 

JAN 2009 Statement 'End Balance £6489.14

JAN 2018 Statement 'End Balance £6401.03

 

Payments made 96 months at no less than £100 pcm

or £9600

 

Balance reduced in the last 8 years £88.11p

 

In short approx £20,000 has been paid on this overdraft

 

 

On the Barclays Website it states for personal Overdraft borrowing the max charge is £32 per month (EG If you use an overdraft of £1,200 you'll be charged £1.50 per day when you use it.)

 

Payments made 96 months at no less than £100 pcm

or £9600 over the period

 

"It is classed as an 'Executive O/D Flex (that named account no longer exists)

It's classed as my personal account (which is only use for paying/servicing this overdraft "

https://www.barclays.co.uk/current-accounts/bank-account/overdrafts/

 

I suspect its still being treated as a 'Executive O/D Flex Current account

 

 

Andy


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It's mindset,

I went for years with it,

saw the various issues on it,

fought with a couple of bottom feeding DCA' re their updates/entries and when they wouldnt budge

 

I went to the cra (experian at the time) supplied them with the relevant info to have the file adjusted and they stonwalled me for ages

 

then came back with

'you'll have to speak to the dca as it's not our issue'

in the meantime my rating was mashed

 

My ability to raise capital or even own a CC was diminished...

.none of which was actually my fault,

as one shining example arc added

 

two years onto a default..

.it was never removed.

i stopped looking at it...for a fair few years

 

tupidly went and logged back an account with experian ..

.in the years away from not having one I had zero communication with alleged creditors,

 

within a few short weeks of reapplying for my file

I had two come out of the woodwork...coincidence possibly, but I doubt it.

I don't want to see my credit file again ever

 

I'll live with the consequences of that should something come and bite me in the ass.

 

" andyorch, If I thought I had a chance I'd give it a go, but I'm guessing as it's fees not charges it doesn't apply. "

 

Really ..whats the difference between a fee and a charge ?

 

Well the following cant be correct ....

 

JAN 2009 Statement 'End Balance £6489.14

JAN 2018 Statement 'End Balance £6401.03

 

Payments made 96 months at no less than £100 pcm

or £9600

 

Balance reduced in the last 8 years £88.11p

 

In short approx £20,000 has been paid on this overdraft

 

On the Barclays Website it states for personal Overdraft borrowing the max charge is £32 per month (EG If you use an overdraft of £1,200 you'll be charged £1.50 per day when you use it.)

 

Payments made 96 months at no less than £100 pcm

or £9600 over the period

 

"It is classed as an 'Executive O/D Flex (that named account no longer exists)

It's classed as my personal account (which is only use for paying/servicing this overdraft "

https://www.barclays.co.uk/current-accounts/bank-account/overdrafts/

 

I suspect its still being treated as a 'Executive O/D Flex Current account

 

Andy

 

Just to clarify,

the above figures (balance) as stated in my posts further up are approx,

 

I've not given the actual o/d amount as I don't want barclays as yet being able to recongise me,

the amounts paid back are correct as in minimum £100, sometimes more.

 

Over the years the overdraft fees have changed as and when Barclays change their structuring on the account.

The very first interest debit 18 years ago was for £88,

it remained like that for a few years,

 

it then changed as they switched it about to almost £130 pcm and over the years it's fluctuated between the £3per day it is at the moment to around £112 fixed amount about 5 years ago.

..I've always met the amount of interest they've charged,

sometimes to the penny,

sometimes by a few £s more.

 

Essentially though,

the first statement 18years ago,

to the latest statement of Jan 18

the difference between the balances being approx £150 ,

 

last statement charged me £93 interest,

payment made in £100,

 

this months will be less as it's Feb and currently barclays charge to my account is £3 per day

 

I should also add that one payment was missed in 2014 due to my being hospitalised,

however, the account was enough in credit not to go overdrawn (just)

 

by overdrawn I mean not over the overdraft limit.

I'd be happy to post statements up but it would be difficult to redact without it looking almost blank....

 

I thought charges were for going over the limit/ making cheques that can't be cashed etc...there is none of that, it's fees charged as interest only that has ever been added. Isn't that the difference when it comes to making a claim against them

 

Part what brought me to try and do something is that from this month I can no longer go into the branch and pay money across the counter/via a machine unless I have my bank card (some new barclays regulation) and I haven't had one of those ( termed a 'connect' card) for a decade ..

 

.I've just used my sort code /account number but now I will have to use a card but didn't / dont want to apply for a new one as I wasnt wanting to alert them to my account in any way ...and they haven't sent me one for a decade either.


I reside in Dawlish Warren but am not a rabbit.

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I have the sars printed out, got the postal order and am ok to send it (was going to send Friday but I hung back pending reading up on this particular part of the forum)

 

In any case, I have since found a link on line on Barclays where I can apply for the sar online via their website, once requested they then send me notification

and a payment request for the sar (be that by cheque/postal order)

 

On the online form it asks for a variety of details, such as info held by Barclays/Barclaycard etc etc..

. I have Barclaycards, both of which have zero balance on them (and a available credit limit collectively of 25k)

I don't want the info on them,

so should I adjust the sar to simply state 'Barclays Current Account' or leave it and see what comes back.

 

I'm thinking that once I do go at them that they'll simply limit the cards and call them in.

...not that it bothers me as I don't use them.

 

Whether I want home delivery or delivered to a branch (the latter is my preference)...

 

Daytime/Evening phone numbers, last know addresses for last 3 years and so on.

 

---

 

Wheras the Sar from here simply gives the account number, my name/address and signature...

 

I'm loathe to go the online route due to the extra questions,

I'm stll sort of at the same address (have access to it/visit it/ am billed for varying items and I can be contacted there..

.however my telephone number has changed,

I don't want to give Barclays my updated one,

more so that I don't actually give it out anywhere these days (data harvesting etc)

 

I will include a covering letter requesting that for security I would prefer the info requested be sent to the branch and for them to email me when that has been done. I have an email on file with them which is current etc.

 

So, unless there is any extra benefit to the online sar request I'm guessing the sar template here is suffice (correctly filled in of course)

 

Also, since lookin at my paperwork, I have found a letter from the bank authorsing the overdraft (early 2000) and where amongst other things it states

 

You can overdraw up to your limit whevr you want but you should not be permanently overdrawn by the whole amount' which is pretty much how it's been 'permanently overdrawn' and by pretty much the full amount since that letter...18years ago.

 

Also, reading back from some letters I've found out in 01/02 (approx 10 of) their are charges on the account for the overdraft exceeding the limit and for a few cheques that bounced.

They also mention the overdraft is subject to an annual service charge of £50 (that was then) but I can't see

that charge on any statement out of the 170+ that I have.


I reside in Dawlish Warren but am not a rabbit.

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deb t

just send OUR SAR

 

you don't really need to put any numbers

 

poss simply add a line you are happy to collect from XXX branch


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Ok, will do, good enough for me.

 

Thankyou!


I reside in Dawlish Warren but am not a rabbit.

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SAR has arrived took them a while, I first went for their online application for it, didn't arrive, then went for a manual one, but never heard anything, in the end I called in at a branch

and waited (almost an hour) for them to come back and give me the correct address to send it to.

 

 

It was sent, I got an update to say it was ready at the branch, called in at the branch and they couldn't find it, went back a week later, still unable to find it, so went in and played

my face 'not leaving until you give it to me' 2hours later they brought it out to me, all neatly packaged in 2 sealed bags, each about the thickness of a ream of printer paper, most

of it is statements from quite a way back (barclaycards also)

 

 

What am I specifically to look for?


I reside in Dawlish Warren but am not a rabbit.

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Post 21 22?


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I'll work thorugh it, there are over 1500 pages


I reside in Dawlish Warren but am not a rabbit.

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Well, having trawled through it..

.I can see nothing of any relevance,

 

there are some letters I have (not contained in the sar) which show one side of an agreement on overdrafts,

 

there are also charges from going over the agree overdraft (small limit) called 'over buffer referral or something, about ten of them from the late 90's and early 00's...

 

.the exec o/d was at the top amount by 2003,

there were letters in 2002 (again not in the sar, but what I have) stating they were concerned that I'd gone over the overdraft limit, that I hadn't been in credit since 1998 (it's not been in credit since 1998 up to todays date, 20 years of overdrawn, in that letter they stated they review the account annually, clearly they haven't been.

 

Studying the statements in the sar I can see the last time the account was used by me for a £15 purchased,

 

since then up to todays date other than £5 charged by Barclays (for statements I'd requested) there has been no activity for 9 years other than them adding interest and my paying in to keep the o/d within it's limit and pay the interest......

(rough figures contained in one of my posts above)

 

 

Thats pretty much it....


I reside in Dawlish Warren but am not a rabbit.

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Should have stopped paying 9yrs ago


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Aint that the trooof


I reside in Dawlish Warren but am not a rabbit.

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you have the proof now..

 

pers i'd be complaining...re:

 

I suspect its still being treated as a 'Executive O/D Flex Current account


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It is still being treated as an Executive O/D Flex Account. The account no longer exists in it's current format.

 

What am I looking to stick at them?

What points? (sorry if that sounds a dumb question) and where should I be aiming it at?

 

Branch level are hopeless,

so is the Area branch,

CS will just put it in a queue,

 

I'd like to get it seen by someone that can make a decision or at least make something happen to help address it...


I reside in Dawlish Warren but am not a rabbit.

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Post 12? 20/21?


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