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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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Hacked_Off

Old Barclays default still showing as owed even though I paid it?

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Just ha a look at my credit file. I had an old overdraft with Barclays and owed 227. It was paid back in full when I reclaimed all the charges and then the account was closed. However it's still showing on my credit file as owed?

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Write to Barclays Bank with a complaint letter explaining the problem and tell them that your credit file has not been updated. They normally pass the letter to the correct department and they will investigate it and write to you. Ask them to update your credit file as disputed until they complete their investigation.

 

Hope this helps!

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Yeah thanks for that!!

 

Thing is though this has been sitting on my record for years when it was paid in full in 2008!!

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then it will show..

 

6yrs from last transaction or 6yrs from default date

 

though the balance is wrong you say?

 

 

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Include the details of the debt from your credit file or print a copy. They will investigate it and write to you.

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It says I owe 225, unless I'm reading it wrong? Can i pm you the details?

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Hi HO,

 

If the amount is still being showed as owing, then complain to them to have the CRA entry updated correctly asap.

 

I'd write to Barclays HQ giving just 14 days to sort the matter, failing which you will take action against them for the damage this is causing to your reputation.

 

:-)


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It was closed in 2008. I've got the letters were they say the charges claim was upheld and would be offset. Then another letter saying they are closing my account again in 2008. Pfffft. I really really really despise Barclays.

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Was the agreed refund amount sufficient to cover the a/c balance .

 

Did BC mention specific amounts for the a/c balance and the refund amount when the Set Off was made.

 

:-)


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The total refund was 753 the overdraft amount was 227 so it more than covered it!!

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Did BC agree the refund figure at £753 and did you receive the balance of £526.

 

Did the amount of £753 include interest in restitution which perhaps BC did not agree to at the time.

 

:-)


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Yes to the first and I'm not certain on the second I should look into that

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Just going through all my old paper work with Barclays. I have everything:

 

Sar contents

Fos complaints letters

Charges spreadsheet

Even my old cheque book

 

In going to pay them a visit tomorrow. Oh how I love giving Barclays a dose if their own medicine.

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Thank you for your email and I apologise for the delay in replying.

 

I note that the record you have attached relates to a Barclays, rather than a Barclaycard account.

 

As such, I am not able to answer your query and would ask you to contact your bank in respect of this entry on your credit reference file.

 

Kind regards

 

Peter Ross | Customer Relations Manager

Barclaycard

 

Not impressed

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They are part of the same banking group so I see no reason why the query or complaint can't be handled by any part of the group.

 

If BC have a refund or credit available, then they should be able to see that it is set off against a Barclays Bank debt.

 

Turn it around - if you were late paying your BC a/c and it was in arrears, BC would use the right of Set Off to raid your Barclays Bank a/c very quickly.

 

And remember the trading title of BC is Barclayts Bank Plc t/a Barclaycard !!

 

Herumphh !! :mad2:

 

:-)


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That's exactly what I have just said to him. I have found a different email address for a different CEO and pointed out this ones incompetence and forwarded the email. Complaint with the ico lodged. I shall be goinginto a branch today to

Demand to see a managet

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Thank you for your email; I am sorry we have given you cause to write and complain.

 

In order to arrange a thorough investigation of the points raised, may I trouble you for some further information that will allow us to locate your records, such as your post code or the historic account details. Additionally, if I could also have a contact telephone number, that would be most helpful.

 

As soon as I have this, I will arrange a review of your concerns as a priority, and in the interim I remain available on the below.

 

Yours sincerely,

 

Piers

 

 

Piers Norman | Executive Support | Barclays Specialist Complaints - Head Office

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Hi HO,

 

I would not give them a phone number - simply ask that all comm's be in writing only.

 

:-)


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Yeah I have done given that they were kind enough ton pass on my email to Lowell last week.

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Thank you for your email, addressed to our Chief Executive, Antony Jenkins. Mr Jenkins has passed a copy of your email to me with a request that I undertake an investigation and respond on his behalf.

 

I am currently looking at your account history to formulate a response to you, which I hope to be able to issue today.

 

In the meantime, if you would like to speak to me, my direct line is 01322 426 997.

 

Yours sincerely

 

 

No response surprise surprise.

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Thank you for your email, addressed to our Chief Executive, Antony Jenkins. Mr Jenkins has passed a copy of your email to me with a request that I undertake an investigation and respond on his behalf.

 

I have examined your account history and am now in a position to address the complaint points you have raised. For the sake of clarity, I will address each point in the order you have raised them.

 

With regard to your credit file, I understand that your account number x was closed in February 2007 after it had been defaulted with an outstanding debt of £222.76. Your account had been passed to our debt recovery agents shortly afterwards.

 

Unfortunately, whilst the debt of £222.76 was eventually cleared in August 2007, the default placed on your credit file was valid and remains so. To explain further, if a “marker” is placed on somebody’s credit file, it generally stays there for six years. This is non-negotiable unless the “marker” has been placed on the credit file in error. In your case, the default was not placed on your account in error.

 

The default was placed on your credit file on or around 16 February 2007. Therefore six years from that date will be 16 February 2013, which is only a few weeks away. The default information should be automatically deleted from your credit file after this point.

 

I can only suggest that you monitor your credit file over the coming weeks via the widely available online credit report tools, such as Equifax or Experian. You generally have to pay a monthly subscription for after an initial free period of 30 days unless you cancel the subscription within 30 days.

 

With regard to your complaint about your credit file, I see no evidence of Bank error. I therefore do not uphold your complaint nor am I able to offer you any compensation.

 

Turning now to the other points raised in your email to Piers Norman, I note you claim that your account was closed as a punishment for claiming a refund bank charges. I would like to explain that you are incorrect and I will set out my reasons below to help clarify matters.

 

I note you originally enquired about a refund of bank charges in January 2007 under our reference number x, and we sent you copy statements to assist you. We did not hear back from you and the matter was closed.

 

We first received a request from the Financial Ombudsman Service in June 2007 regarding your claim for a refund of charges. In August 2007, we agreed to refund £725 in charges as a gesture of goodwill without challenge or investigation.

 

Before we sent the redress cheque to you, we deducted the outstanding debt of £222.76 and cleared your outstanding debt balance to £0.00. We then forwarded the remaining £502.44 to you in August 2007.

 

Your account number x was closed February 2007. Your debit card was captured by an ATM shortly after as your banking facilities had been withdrawn. However, your further claim for a refund of bank charges was not received via the Financial Ombudsman Service until June 2007. I am therefore satisfied the two issues are not linked in any way

 

For your information, we also refunded bank charges to a large number of other customers but we did not close their accounts or “punish” them in some way. I must therefore refute your suggestions in this respect.

 

Please accept this as my final findings based on all the information I have relating to your complaint. However, should you have any additional information that has not been considered which you believe brings a different light on any aspect of your complaint then please do not hesitate to contact me 01322 426 997. I have enclosed our ‘Don’t hold back your feedback’ leaflet which explains our complaint handling process.

 

If you remain dissatisfied, you may refer this matter to the Financial Ombudsman Service to review your complaint. For more information please read the enclosed guide ‘Your Complaint and the Ombudsman’. If you feel this is the next step for you, please remember you should contact them within six months of the date of this letter.

 

Once again, we are sorry for the problems you have experienced, thank you for letting us know. We take all complaints seriously and value your feedback to help us identify where we can improve in the future.

 

Yours sincerely

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You are incorrect. I do not debate the fact that the account defaulted. I debate the fact that this account is still showing as ACTIVE and OPEN and still 222.76 OUTSTANDING. It should state DEFAULT SATISFIED

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Thank you that new information, I will contact our debt recovery team to find out more. I will get back to you as soon as possible.

 

Yours sincerely

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That wad not new information. Why the debt collectors? It was you who placed the default therefore it is for you amend the marker and make financial redress given this has affected my rating for nearly 6 years....

 

Unbelievable

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Noted and look fwd to further developments.

 

:-)


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