Various DCA's & VERY old Barclaycard Debt Help Required

[starblackie]

Update really and advice if possible.

I have not heard anything at all from Lewis/CL is this usual? No threats no CCA,nothing.

 

I have not had any data from Barclays, they have not cashed cheque. They have 5 more days

 

I have had my cheque returned from Santander again for SAR,this is current acount from1996 and still active. What is my next move, is it letter before action?

 

I am also helping a friend who is paying DCA for years. In response to CCA request a copy of application form was returned.The writing so small and from what I can tell from my research on here does not comply. I will try and scan up but it is very small. What would be the next step. Friend has no access to computor so doing it for her.

 

Many thanks for any advice and direction

[Bazooka Boo]

What was the reason satansbank returned your cheque?

 

As for your friend, check credit files see what, if anything is on there.

 

When you say she has been paying for years, how many, and have they been sending a statement of account every year?

How old is this?

[starblackie]

Thanks BB

Santander state

"You have asked for your bank statments,which we assume is to enable you to reconcile your bank charges. The transactional information you require is available on our systems and will be forwarded to you free of charge. We are returning your £10 fee."

I have 2 accounts 1 I have used since 1996 and do all money in/out.The other is account opened 3 years ago to use if i buy anything online and i transfer money to cover just that. On this account they have sent the 3 years of bank statments and have ignored my main current account opened in 1996. I have no bank charges as i have not been overdrawn since 2002/3

I wanted the data to see what i had paid during the years 2000-2002 in relation to my debt with Lewis/CL

 

I will be seeing my friend next week and get more details on her debts. I adviced her to do a CCA request and copy of application form came back from LINK.

 

Many thanks for advice

[Bazooka Boo]

Did you request the info for both accounts?

 

If not you might have to remind them that you want the info for the other account.

[starblackie]

Yes BB I did. I sent template from here and after first cheque returned, sent another request and made it very clear that i wanted all data on all accounts.

[Bazooka Boo]

OK, when they fail to send the info, send them a LBA giving them a further 7 days in which to comply before you make a formal complaint to the ICO.

[starblackie]

Will do BB many thanks for your time and advice. Will update as and when

[starblackie]

I recieved today data from Barclays in response from my SAR. I have pages of print out witch make little sense. Date starts 1983. Also have copy statments from just one of the credit cards that starts 2004.

 

I need to have a good look but on first going through there is nowhere it states PPI on these credit cards. My guess is that PPi was applied to 2 loans paid up fully, only there is no data about these loans at all.

Any ideas on what i do next.

Thanks

[slick132]

Hi SB,

 

Try to make sense of what you've been sent. If some of it needs clarifying because of codes being used that you don't understand, you can ask for clarification.

 

Also, work out what further data you require and tell the bank they've failed to respond adequately re a/c number xxxx or loan a/c number xxxx, etc.

 

Go through it all carefully first though, to see what you can glean from the data sent so far.

 

[starblackie]

Thanks Slick very useful. I have spent ages going through masses of print outs. Very little makes sense or helps. There is reference made to accounts going back to the 80s but no information that I can use. The statements only go back to 2004. Where the balance is 0.00 for every month until now. Looks like debt was sold 2006 for 10% of total. Have made a list and will write again to barclays but dont hold any hope of getting all the statments. I will take to court and see how far I get.

 

Heard from Lewis re my arrears. One thing that came from data is that there is a credit agreement a copy. Will scan it up please could i have any advice.

 

Have also send request again to Santander and looks like i may have to take them to court for disclosure as well.

 

Any advice will be very much appreciated

[slick132]

Hi SB,

 

Another possibility if you want the data explained is to visit your local branch and ask them what the data means.

 

[starblackie]

agreement received with SAR

[slick132]

HI SB,

 

See this post for how to scan and post up a doc't for us to see - http://www.consumeractiongroup.co.uk/forum/showthread.php?372608-Sigma-SPV1-Ltd-court-claim-form-for-M-amp-S-store-credit-card&p=4059437&viewfull=1#post4059437

 

The image above is too small to read usefully.

 

[starblackie]

Have tried to make it bigger and the link goes through how to scan and upload.

 

It is one page and a copy. It has my sig and name/address the date its signed makes me beleive it was either a replacement card as its signed 199* cards were taken out before that date.

It states its a credit agreement regulated by the consumer credit Act 1974. It has a box "Your right to cancel" but to small to read. Most to small to read.

Any views if this enforceable agreement. Any ideas why Lewis/CL have not send anything at all. Until The other day when i got arrears letters. What do i do now start to token £1 month until and if i get further joy from SAR.

 

I have also written tonight to the ICO and FOS with the whole story.

Appriecate any help and advice, feel i have opened a can of worms and getting confused.

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

.

dx

[starblackie]

Thanks DX but how do i get the text bigger any ideas? I will follow your guidelines and see what comes out

[dx100uk]

you always need to attach PDF's

 

dx

[starblackie]

i converted the scanned file to pdf. How do I attach pdf.? Well keep fiddling around and see if i can do it.

Thanks as always for your time and advice dx.

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

.

dx

[starblackie]

will try again after a nights sleep, thanks dx and good night to you as well, keep same hours we seem

[starblackie]

Info on friends debt. It is with Link she has been paying them monthly for past 8 years. Was a "goldfish" credit card. She would be grateful for advice on what she has received in response to CCA. Does say application form and not sure anyone will be able to read as print is as small as mine. Still trying to do something with that.

Thanks in advance for any views on friends behalf

[dx100uk]

ATTACH THE PDF's NOT THE JPG'S

 

its THAT simple

 

dx

[starblackie]

Apologies for long overdue update. Bereavement and dip in health made pursuing things difficult.

 

I wrote the whole story to the FOS & ICO. And researching as and when on here. So far:

 

SAR to Barclays & Santander

 

Santander would not give any data further back 6 years.

 

Few letters later and letter from ICO today state that Santander "overlooked" archived data going back to 2001 and I should receive this within the next 28 days.

 

Barclays data received back to 2004 and letter not clear if I shall receive any more.

 

B/C rejected any PPI claim,

then after FOS involvement I am waiting for an offer.

 

Interestingly when I phoned Barclays the other day to see when this offer will materialise

the guy stated that its with the calculations team and when I mentioned the missing data he said Oh they have it! (PPI date 1995)

 

Lewis Group

- After looking around the site I was concerned and confused around the cca (which I have never received)

and the fact that card was taken out early 1980s which appeared to have different rules,

 

I have paid £1 token payment monthly as I was unable to deal with any hassle from them.

 

After letters putting account in dispute, asking for their complaints procedure and not getting a single reply to any letter or request,

I have spoken to FOS and putting everything in writing with all copies of letters to Lewis and they are assisting me.

Have case number and awaiting further info from them.

 

I wanted to let you all know as I would never have got this far without all the wonderful and informative advice from this site.

I feel able to tackle any hassle now.

 

So will be pursuing Barclays/Santander/lewis further to finally rid myself of this debt and hopefully reclaim any charges I can.

Thank you so much

[slick132]

Hi SB and thanks for the update.

 

Let us know how the BC case develops when you have more BC news to report.

 

[starblackie]

Will do Slick123. Will be going through all the stuff they have sent so far and on reading the letter again it does state that Barclays have located date further back than they have already send.

 

hope all is well with you