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power2contact letter re barclays bank accout littered with charges


mandyjay
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Hello

 

I have today recieved a letter from Power2contact about a debt with Barclays Bank ,

 

I have written to my bank twice saying I didn't agree with the charges they had put on my account

 

they wrote back after the second letter just saying they will take no more contact from me straight to Barclays bank,

 

then I got this letter saying if I don't contact power2contact about the £874.79 within 72 hours

they will call at my house to collect payment or goods to the value of...

 

I am a disabled lady, a single mum and Im terrified what there going to do..

 

my next step ...

 

I was going to write to the financel Ombasman about barclays bank charges

but now I have this letter from Power2contact Im panicing what to do ..

 

. Im in a right mess..

 

Please help !!!

 

:( mandy

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Are you able to scan that letter in for us to see, please. Follow the instructions below..

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

Power2contact CANNOT call at your house and take goods. Legally, they cannot even come to your home without an appointment. Their letter is designed to get the kind of reaction you have displayed.. fear, panic..

Please DO NOT telephone them, that is what they want you to do.

 

Please tell us a little more about the debt they are pursuing. Is it a current account/overdraft/charges or a credit account or loan.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As power2contact are NOT bailiffs , I am moving you to the Debt collection forums.

 

If you can scan that letter in and if they are claiming to be bailiffs then they could be in serious trouble.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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within 72 hours they will call at my house

 

If anyone does turn up, it has been known from time to time, as posted above, they are not bailiffs and have no powers.

 

TELL them to leave your property, if they refuse, then call the Police who will quite happily remove them on your behalf.

 

Just remember, YOU are in complete control, not power2contact or any other DCA.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Im sorry but I cannot scan the letter but I will try and explain a little better,

 

I had a Barclays bank account for over 10 yrs with Barclays and I started with an overdraft of around £100

but then I became ill and slowely started using my overdraft

 

i had a meeting with an adviser explaining I wasn't working so they said I should increase my overdraft to help ,

 

to be honest I wish I hadn't bothered but at the time it was the only way I could see of coping with things so I said yes,

the bank knew I was on benefits and couldn't work due to ill health and they said it was ok for me to increase my overdraft to £400 .

 

I wasn't using all of my overdraft until the CSA stopped payments without telling me so I went over the £400 over draft limit

my bank sent me a letter telling me I was to be charged so I put enough money into my acc to cover the extra money leaving it

but the bank took another charge out then charged me again for using the over draft limit...

 

If the bank hadn't taken the second amount I wouldn't of been charged and since then they just kept putting charges on

even though I told them I was now disabled claiming ESA and I asked them to freeze my acc to stop the charges

but they ignored my letter and just kept charging me

 

I got info off this forum and sent it to Barclays saying I didn't agree with the charges ,

they replied stating the charges were put on my acc for being over the overdraft limit..

 

I wrote again they replied stating they couldn't take anymore letters from me and now I have had this letter from Power2contact..

 

This is what the letter says...

My address and account details..

 

 

We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT.

 

You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account.

Our visits take place within the following hours..

Monday - Friday = 9am-8pm

Saturday = 9am - 12 noon

 

should you wish to avoid this course of action, you must contact our instruction agent WITHIN 72 HOURS of receipt of this notice.

 

Credit Solutions Ltd

Capella Court

Brighton Road

Purley

Surrey

Cr8 2PG

Failure to comply to this request may lead to the above action without further warning or notice..

 

This is all the letter says I hope you can help me...

 

Thankyou

Mandy

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ithink you either need to investigate BCOBS

or

try the hardship route and reclaim the charges

 

as for P2C

 

ignore them.

 

they can do nowt to you

they are a DCA

they have NO LEGAL POWERS

 

do not converse on the phone either.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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can Power2contact put extra charges on top of the bank charges... I will make an appointment on monday with the CAB and ask them to help me with a hardship claim..

 

thanku for your help feel like I can now sleep abit better x

Mandy

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no

no dca has any LEGAL remit to add ANYTHING to a debt

unless they OWN IT

 

and those charges are INLINE with with the ORIGINAL T+C from the time of debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Mandyjay.

 

Please read here about how to deal with a visit from Power2Contact or any other visiting agent - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

Do you have another account into which you can have your benefits money paid. If not, you should make this a priority or Barclays will be taking charges from you from here to eternity. Apply elsewhere, even if it's for a basic a/c. Then you can keep all the benefits money you're entitled to.

 

:-)

We could do with some help from you

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The Lending Code Offers you protection from further charges and interest - http://www.bba.org.uk/download/6673

 

See sections 224 - 227 which refer to customers in Financial Difficulty

 

Instead of offering you a higher overdraft, they should have offered to stop adding any further charges and interest.

 

You should also read this - http://www.consumeractiongroup.co.uk/forum/announcement.php?f=7&a=228

 

If we think your case is suited, we may be able to help you take the bank to court to get back the charges and interest they have taken from you. They have a duty, under BCOBs to treat you fairly.

 

:-)

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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I stopped everything going into and out of my acc in April last yr and this is when I wrote to the bank to ask them to freeze my acc so I wouldn't get anymore charges but the bank ignored my letter and the bank kept on charging me :(

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I stopped everything going into and out of my acc in April last yr and this is when I wrote to the bank to ask them to freeze my acc so I wouldn't get anymore charges but the bank ignored my letter and the bank kept on charging me :(

............ in which case, I hope we can help you.

 

Read the links I posted above so you understand what we are talking about.

 

:-)

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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  • 8 months later...

 

This is what the letter says...

My address and account details..

 

 

We have been instructed by our client to VISIT YOUR ADDRESS TO COLLECT THE ABOVE DEBT.

 

You have made this action necessary as you have ignored all their requests to contact them and you have failed to pay your account.

Our visits take place within the following hours..

Monday - Friday = 9am-8pm

Saturday = 9am - 12 noon

 

should you wish to avoid this course of action, you must contact our instruction agent WITHIN 72 HOURS of receipt of this notice.

 

Credit Solutions Ltd

Capella Court

Brighton Road

Purley

Surrey

Cr8 2PG

Failure to comply to this request may lead to the above action without further warning or notice..

 

/QUOTE]

 

I just had this same letter, same address but listed as Cougar Financial Services. How can they be allowed to operate under different names? And how can they threaten to come to my home and 'collect the above debt'

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its just a threat-o-gram

 

pers i'd ignore them

 

they'll go nowhere near a court for fear of a counterclaim.

 

have you moved the BCOBS complaint/reclaim fwd yet?

 

it might well be an idea to get your CRA file too.

 

and see whats going on there.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have been dealing with all my creditors through Kensington FM stupid I know,

as it would appear that they have not been doing what they are being paid £40 a month to do,

a lot of my creditors are still contacting me asking for information,

saying they have not heard from KFM and I started this all back in April!!

 

I have now had numerous letters all saying they have been trying to contact me,

which they haven't and to call them, which I haven't.

 

Anytime someone DOES call me I answer and they want to know my account details,

which I refuse to give out over the phone to someone who cannot verify who THEY are,

so why should I give them all my personal info, DOB, address, acct info etc when they won't give me any info. It all seems a bit one sided to me!

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aw god not kensington

 

dump them NOW.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx, figured that one out when I read some other forums :( they are dumped, just have to wrest all my creditors back to contacting me and forgetting about Kensington, have ordered a CRA file from one company, just have to go through the proceedure with the other 2 now to get a full and in depth idea of who has what info and whether it is correct or not!

 

Wish I had never gone to kensington in the first place, but a family member used them and all was good for them.

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