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    • Can I see the loan docs? It should have a company number and everything. Remove personal info.
    • Vollah - Fill me in and send SAE & Email the below;       Jes is big boss. Matt is head of UK Retail Banking. Michael is head of Compliance and will have a vested interest to resolve this for you as Barclays havent been compliant.    Caroline is head of the FOS - She should also be notified so it gets filtered down to her lower teams.    You are done messing around at this point. However do NOT send this unless you are prepared to go Legal on it. Barclays LOC.docx
    • she  has just shown me the loan agreement  and the company is regulated, all laid out      decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking:   I told her to sort it out herself as got enough to do myself, sorry
    • I'm a little confused. You have told us that you served an SAR on 9 January and you have heard nothing other than acknowledgement until yesterday when they told you that there was going to be a delay. However, elsewhere you have told us that they contacted you and demanded a £10 fee. Please could you clarify this.   I see that you have made a complaint to the ICO.  The only problem is that since GDPR, the timescales for the ICO dealing with consumer complaints has increased catastrophically.   If you make a complaint to the ICO, you will have to break their arms in order to get a reference number and then eventually when you do, they will then inform you that after the issue of the reference number it will take anything from six weeks to 3 months before the complaint is even allocated to an investigator.   Before GDPR there was a much smaller level of complaint, you would normally get an email within six weeks expressing an opinion that such and such company were unlikely to have complied with their data protection obligations.   Personally I think the GDPR has backfired. I don't think it has changed anything other than opened a deluge of complaints to the ICO which because the ICO is under-resourced, has played into the hands of the companies because they are even less worried than before about complaints being made about them because by the time the complaint is looked at, the complainant is fed up or has forgotten about it and anyway, or the matter they are dealing with such as a complaint against a bank or against a utility company has moved on.      
    • The immigration clampdown has started. Reading this, I can't help thinking that employers needing waiting staff, carers and agricultural jobs are going to struggle.   The government don't seem to be listening.   https://www.theguardian.com/uk-news/2020/feb/18/uk-to-close-door-to-non-english-speakers-and-unskilled-workers?utm_term=RWRpdG9yaWFsX0d1YXJkaWFuVG9kYXlVS19XZWVrZGF5cy0yMDAyMTk%3D&utm_source=esp&utm_medium=Email&CMP=GTUK_email&utm_campaign=GuardianTodayUK
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Can't Afford DRO

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Hi All


I have business debts from late 2008 when I closed my business. There have been some ongoing legal issues with my landlord who was responsible for it's closure but these have come to nothing as we can't find him! This is why I am only now dealing with these debts.


I was advised by the National Debtline to write to my creditors letting them know I was pursuing a DRO. However, my income is so low that I just can't save up the money to enter into a DRO.


I am now so ill with all of this that I am considering writing to my creditors to ask them to write off my debt. How would I go about this when I have already told them I am entering into a DRO?


Most of my debt has been given over to credit agencies, however I owe a large amount of VAT and I'm worried HMRC won't accept a write off of the debt.


My debts are to


Water (UU)(was with Moorcroft but they gave it back when I mentioned a DRO!)

Business loan (from a small firms 'helper')(have CCJ with this but have never paid it by agreement)

Small overdraft with Barclays (now with Lowells)

Utilities (UW)(has been with two DCAs but haven't heard from anyone for a while)


Any advice would be much appreciated.

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It is my understanding that there are some charities that will help with deposits for BR and DRO. It might be worth looking into that.

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Hello there, sorry to learn that you are struggling to find the money for a Debt Relief Order.


As Citizen B mentions there potentially could be charities and trust funds that *may* be able to assist you finding the £90 fee. Do consider taking a look at http://www.turn2us.org.uk - it's a great resource and may identify an organisation that could potentially help you.


Best wishes,


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