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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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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?

 

 

dx


..

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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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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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