Jump to content


  • Tweets

  • Posts

    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Various DCA's & VERY old Barclaycard Debt Help Required


starblackie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3229 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just take some id and proof of address and tell them your having trouble updating your details with Barclaycard.

 

I know my problem was that because the account had been sent to their collections dept and customer services was a different dept, for some reason they had trouble updating my details across the system so i kept getting my requests sent back.

Link to post
Share on other sites

  • Replies 138
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Try doing it in-branch with your photo ID and current utility bills

 

If they say, "You are no longer on the system.", then I think that may help in you getting them off your back for good.

 

If they can't find you on the system, how on earth can they say confidently what you owe from way back.

 

:wink:

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 !:-)

Link to post
Share on other sites

Many thanks for your answer Slick.

 

Although it is Lewis/CL that I owe and having been paying for years.

 

Also how do i ever track down the truth about how much my debt really is,

going on my very limited paperwork I have paid Lewis to date over £3000 and they still say i owe £4000+.

 

I may have been ill at the time but i can be very sure i never racked up that amount,

so charges and interest have increased my debt, how do I get that back.

 

Although that is not as important as getting rid of this debt thats been hanging over my head.

 

I will do as suggested on Monday at the local branch and go from there.

 

Thank you

Carole

Link to post
Share on other sites

exactly.

 

action post 45 and lets hope we can get the statements.

 

something smells here

 

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... 

Link to post
Share on other sites

Hi SB,

 

This is what was being said on page 1 of your thread. You've carried on paying for so long but, once you start to challenge Lewis/CL about their right to collect, they'll probably scuttle off.

 

See how you get on in the branch on Monday.

 

:wink:

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 !:-)

Link to post
Share on other sites

Went into local branch of braclays this morning.

 

I was found at my previous address.

 

Told account has been closed for years.

 

Will now submit SAR for the 3rd time also have ref numbers for the 2 cards.

 

As I moved over 7 years ago, is this likely to mean that my data has been achived rather than destroyed

and I am likely to get data going back 12 years,

even if it means taking them to court for it.

Link to post
Share on other sites

let see good news though

 

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... 

Link to post
Share on other sites

Did they do anything to update you on their system.

 

If not, I wonder if they'll return the SAR AGAIN !!

 

We'll see ...............:-)

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 !:-)

Link to post
Share on other sites

Hi Slick

I went armed with loads of ID stuff,

birth/marriage/divorce/bills/driving licence/passport

only used passport and found me at my previous address.

 

I only updated Lewis when I moved maybe that was why,

although did put past address on the very first request.

 

SAR gone of again today together with copies of some of above and ref numbers got today. See what happens next.

 

No sign of answer to my CCA from Lewis/CL showing on Royal mail deleived 14/9 so if I am right "account in dispute" letter to go Wednesday.

Link to post
Share on other sites

12 days from receipt of your request, by all means give them until Weds, but your well within your rights to send it now?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

No news from Lewis/Cl

 

so "In dispute letter" gone today.

 

Am I right next step complaint to Trading standards after 30 days from today?.

 

Would that be local trading standards?

 

How long before i can expect some letters for not paying and although debt unenforceable are they likely to take me to court,

 

I have read thread on Howard Cohen and he seems to take people to court regardless.

 

Sorry to keep asking questions. J

 

ust dont want to do anything wrong,

 

all advice gratfully recieved.

Thank you

Link to post
Share on other sites

the 30 day no longer exist

 

failure to comply to a legal request for a copy

of the agreement thus means you can stop payments.

 

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... 

Link to post
Share on other sites

I have another question sorry but would appreicate advice.

 

Yesterday I signed up to Noodle have yet to recieve pin number to check credit record.

 

However today I logged in to my amazon account.

 

I use this account only to buy on amazon and pay in full.

 

Yesterday i paid the balance in full for last month.

Today there is an entry for pending transactions for £1.00

 

I rang to query and was told it was call validate.

 

Is this something to do with Noddle or to do with Lewis/Cl

 

Sorry to have to ask i am such a worrier.

Thank you

Link to post
Share on other sites

I have another question sorry but would appreicate advice. Yesterday I signed up to Noodle have yet to recieve pin number to check credit record. However today I logged in to my amazon account. I use this account only to buy on amazon and pay in full. Yesterday i paid the balance in full for last month. Today there is an entry for pending transactions for £1.00

I rang to query and was told it was callvalidate. Is this something to do with Noddle or to do with Lewis/Cl

Sorry to have to ask i am such a worrier.

Thank you

 

Read your data from them i.e. £1.00 deducted to account please check your Bank statement for transaction then sign back in and quote the reference number given,your account will be credited the £1,00 back, it is a check to make sure the correct account is being recorded, worked o.k. for, me.

:mad2::-x:jaw::sad:
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...