Jump to content


  • Tweets

  • Posts

    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
  • 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
      • 160 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

Link financial assigned barclaycard debt


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

Thread Locked

because no one has posted on it for the last 4116 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

Can someone give me some direction on Barclaycard debt, cant keep up with minimum payments. How is this going to pan out. How shall approach this, shall i negotiate with them and offer to pay by instalments. Thanking you in advance.

Link to post
Share on other sites

Hi welcome to CAG,

 

I suggest that you first claculate ALL you expenditure and income,

the priority debt, rent/mortgage, council tax, food clothing, travel

to wotk, utility bills etc., the all the other non priority debt, including

BC to see how much you can reasonably pay Barclaycard.

 

Then write to them and TELL THEM how much youi can afford to pay.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi solid

 

Welcome to CAG

 

Don't speak to them over the phone. Write to them explaining that you can pay £x each month, explain that your suffering 'Hardship'. They should except the lower payments. You should also claim back any penalty charges with interest over the last 6 years plus. Also, have you been Mis-sold PPI on the account?, if so claim it back with interest. Have a read of 1,2,3 and 7 in my signature. Remember if it went to court, the court would only ask you to pay what you could afford to pay after taking into consideration the essential bills.

 

Thread has been moved to the correct forum.

Link to post
Share on other sites

This is all really useful advice. I think probably the best approach from the sounds of it is to make a monthly offer of payment based on my income and outgoings.My only concern is however do they have to freeze all interest and charges as part of the arrangement. How does this issue usually play out, can they be resistant and play it hard. Also if they secure an arrangement with me do they usually persue CCJ -how would the courts view this-i am acknowledging the debt and making small payments however small.-would they want it legally formalised or keep it informal.

Much appreciated guys.

Link to post
Share on other sites

You request that interest and charges when sending

your payment offer.

 

If this was escalated to court action your payments

and willingness to pay would be very much in your

favour and they know this so would be unlikely to go

down that route.

 

Remember YOU are in charge of your finanaces not them

you tell them what you caqn pay and when you can pay it.

 

I suggest you make paynent by standing order.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

You would also do well to reclaim all of the charges for being late with payment or going over your limit

 

Have a read of No.s 3 and 4 in my signature

 

ims

 

Link to post
Share on other sites

Thanks for this guys,all very useful.Just as a side point,the account is an old one-so credit card agreement circa 1993-is it likely to be enforceable-aware of reconstitued agreements.Before taking the plunge with offer letter and acknowledging the debt in writing,thought i would pass this by you.

Also, one of reasons got into debt on account in first place, is suffered at the hands of 0% Balance transfers and transfer with least interest always paid of first-i think the law changed on legality of this recently ,as they have changed policy on this.Can i dispute this on the account and claim interest on this retrospectively, if things get messy.

Much appreciated guys.

Link to post
Share on other sites

Hi Solidarity,

 

Unenforceability is not the way to approach this and will likely get you nowhere.

 

The Hardship article and letter is here - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

Reclaim all default charges plus compound interest at 24.9%. This will maximise the amount by which you can reduce the a/c debt.

 

Was there any PPI on the a/c.

 

:-)

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

This is all really useful advice. I think probably the best approach from the sounds of it is to make a monthly offer of payment based on my income and outgoings.My only concern is however do they have to freeze all interest and charges as part of the arrangement. How does this issue usually play out, can they be resistant and play it hard. Also if they secure an arrangement with me do they usually persue CCJ -how would the courts view this-i am acknowledging the debt and making small payments however small.-would they want it legally formalised or keep it informal.

Much appreciated guys.

 

Hi

 

Along with what others have put

 

Might be some useful info in the links below to help you put something together so to speak

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

https://www.mymoneysteps.org/

 

Best wishes

Link to post
Share on other sites

Thanks for this guys really useful.Also as a connected issue what do you make of contractual interest.Are creditors getting away with charging it .Interesting to have some feedback.

Much appreciated guys

Link to post
Share on other sites

Thanks for this guys really useful.Also as a connected issue what do you make of contractual interest.Are creditors getting away with charging it .Interesting to have some feedback.

Much appreciated guys

 

What do you mean are the creditors getting away with charging it?

 

Link to post
Share on other sites

ims, in the sense if you arrange/negotiate to pay by small token instalments, can they still continue to charge interest,especially if they have secured judgement-i think it is known as contractual interest after judgement

Link to post
Share on other sites

  • 6 months later...

tell us the fulll story

 

if its only been transfered not SOLD

 

you can ignore them

 

and continue to deal with the OC

 

DCA's have NO LEGAL POWERS unless they OWN adebt

 

they are NOT bailiffs

 

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

In letter Barclaycard sent me -

 

'This letter is notice of agreed assignment of the debt.

This means we will close your account with Barclaycard and you will receive contact from Link finanacial Outsourcing Limited.'

 

Originally paying £5 a month .

 

i have been making payment now for 6 months.

 

They say Link will honour repayment arrangement

Link to post
Share on other sites

ok then its theirs. link

 

they can be a pain.

 

what was the bal

 

have you ever CCA'd BC?

 

tell us the account history please...

 

ever looked At PENALTY charges & PPI reclaiming

 

they've sold it for a reason.

 

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

In letter Barclaycard sent me -

 

'This letter is notice of agreed assignment of the debt.

This means we will close your account with Barclaycard and you will receive contact from Link finanacial Outsourcing Limited.'

 

Originally paying £5 a month .

 

i have been making payment now for 6 months.

 

They say Link will honour repayment arrangement

 

Keep that letter safe (where B/Shark confirm the payment arrangement will be honoured).

 

Do not under any circumstances contact Link by telephone and if they start their usual campaign of harrassment by telephone - you must refuse to go through their security questions. At which time they should cease the call.

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

Link to post
Share on other sites

Thanks for the guidance guys,

The debt £10.5 k, not cca'd bc . i have always managed to get penalty charges waived . had a few late payments.Didnt take out ppi. Dx what do you think reason barclaycard sold it on.Definately keeping letter safe citizen b,if they call ,how do i establish written communication with them only, thereby avoiding constant calls.

much appreciated .

Link to post
Share on other sites

Hi Solidarity,

 

When (if) Link call you, tell them to put anything they have to say in writing as that's the only way you'll communicate with them. Then simply hang up.

 

If there are no penalty charges or PPI to reclaim, there's nothing you can really do to reduce the amount owed. Are you certain no penalty charges were added to the a/c before it was sold to Link.

 

When did BC stop adding interest, if that happened..

 

When was the a/c opened and by what process.

 

: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

Hi all,

Slick 132 that sounds like sound advice. However if i hang up will that not antagonise them?

As soon as i started getting into difficulties contacted them to freeze all interest/charges and accept nominal repayment-they accepted. Slick why do you think Barclaycard keen to sell it on,or are Link just an in house entity?

 

Much appreciated

Link to post
Share on other sites

Book debt is no longer an asset - so they sell on - this allows them to write it off their books - claim the tax allowance for the loss and also get a bit of dosh from the Debt purchaser !

 

Debt purchase is big business at the moment

 

Link is one of the larger and nastier companies.

 

They know the rules - if it is your wish to communicate only in writing - they have to abide by that wish.

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

Link to post
Share on other sites

this might give you an insight as to what happens to your money....

 

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

 

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 all,

Dx that was a useful artical,quite grotesque in fact-taking advantage and exploiting peoples misfortune.

So how do u think they will play it, will they let me pay my nominal repayment of £5 a month for a short period and then apply for a ccj and try to enforce the judgement aggressively./Or will they persue ccj immediately.

If they manage to get a judgement ,can they collect contractual interest after the judgement even though i have all interest and charges frozen.Apparently creditors cannot get contractual interest on consumer credit agreements ,is this true?

Feedback is appreciated.

Thanks.

Link to post
Share on other sites

correct

 

however you are REALLY really jumping the gun here and assuming all sorts!!

 

i'd forget about this till after xmas

 

BC have sold it for a reason

 

thats a big debt to sell on

 

there must be a really dodgy about it.

 

SAR to bc ASAP to get that info might be useful.

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...