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barclays and continuous payment authority issue


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Hi

 

I tried multiple times to get payday loan CPA's cancelled after they first got £25 pm from my Barclays Account 2 months in a row on day of salary,

and then getting £970

 

after I had spoken to Barclays and best they could do was change my debit card,

 

I didn't have an over draft facility on my current account yet the minus - £970 had shown online day before salary was paid in,

being half my cash and really now in stress

 

I was then told all I could do was raise a dispute but if I had signed any agreement with the lender I was liable,

 

the dispute form they sent me meant either I would have to lie and say I had no dealings to get cash or as I chose to do was not return it.

 

Following a watch dog programme in Dec regarding this issue I called again and this time I was told cpa can be cancelled

and if the staff didn't help I could still get my cash back,

but they sent me exactly same dispute form which leads you into answering they way they want,

 

soon as I say I do know who the lender is i will lose.

 

Now having done few months of research I really wish I had recorded the calls as I believe I most definitely would have a case to fight,

 

so the best evidence I could provide are dates and times on the numerous times I tried to discuss this issue.

 

I should add that I had set up a DMP with debt line at the time who out of 5 creditors they had sent letters

I could have downloaded myself, only 2 had agreed installment repayment plans,

 

this creditor Mini credit aka Micro credit aka Speed credit has refused any arrangements with a 3rd party,

 

original loan was £125, in total they got £1250 in space of a few months.

 

I went through long term sick period due to stress and depression something I felt would never affect me,

and due to all this financial burdens got the better of me,

 

now i have regained a little confidence I feel ready to first take on Barclays

and then Debt line

 

as I believe they failed to act in my best interests over the course of 1 year,

 

with my account going through several a/c managers hands and really doing nothing in getting interest and charges to stop,

calls, letters and emails including to work after I had asked for help in getting those stopped,

 

and then after a 6 month break whilst off work and in hospital etc said I would have to restart my plan

because the old one with 6 continuous monthly payments had been terminated,

 

they seem to have kept over 50% in management fees when agreement states 15%

 

Anyway think that's enough for now, if anyone can help and advise before I start some action would sincerely appreciate.

 

Regards

Imran

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well get an sar off the debt line

 

ruddy fleecers

 

as for the Barclays issue

 

you need to be compensated for THEIR mistakes too.

 

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... 

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Hi DX

 

Thx for taking the time to respond, could you explain how obtaining data held via SAR would help please?

 

Any other suggestions on how to approach seeking compensation be appreciated too, I hope to make a few recordings over next few calls to both bank and collection agencies so any tips from anyone would be great

 

Regards

I'

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Hi

 

I'm in similar position and posted a thread earlier regarding best course of action, you think it's ok I go through Paul Maddox too as I got no where with local branch and i didn't get a receipt so only got lengthy phone records with India call centre so fear my case maybe weaker?

 

Don't want let them get away with it as the original debt if £150 ended up costing me £1250 compliments of mini credit who drove me mental last April.

 

Any thoughts?

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Hi Denmark,

 

An SAR to Debtline should disclose everything they hold on record about you including amounts received and paid, letters to creditors, etc.

 

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If anyone has any problems with Barclays allowing payments after CPA has been cancelled email - paul.maddox@barclays.com.

 

I emailed him and all money was refunded, they even gave me a good will gesture payment.

 

Has anyone got another email contact for Barclays, it seems Paul Maddox is no longer there getting an 'invalid' response today.

Its only been a couple of weeks since getting posted - Any help would be appreciated as my branch manager has always got excuses

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Put in a complaint, following their complaints procedure either by email or recorded delivery. I have always found complaint route's the best way to progress.

 

Also, am I right in thinking if you cancel your card or reporting your card as lost/stolen provides 2 different outcomes? The reason being is when I wanted to stop my CPA with payday loans (i think 11 in total), I always reported my card as "lost" and have never had any money taken out from them despite being on repayment plans with all of them.

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Reporting a card stolen when it isn't apart from being wrong, wont work as any new card will still be linked to the same account and the CPA wont be cancelled.

Report card a compromised by xxxxxx and require the bank in writing not to allow any further debits from the particular creditor.

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

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Reporting a card stolen when it isn't apart from being wrong, wont work as any new card will still be linked to the same account and the CPA wont be cancelled.

Report card a compromised by xxxxxx and require the bank in writing not to allow any further debits from the particular creditor.

 

Will draft letter tonight and see how it goes, thanks for the input guys

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The above posts have been merged into Denmark's existing thread to avoid hijack of Brendenconnolly's thread where the email contact was suggested - http://www.consumeractiongroup.co.uk/forum/showthread.php?376612-CFO-Drained-my-account-**WON**-Barclays-refund-and-pay-**compensation**&p=4084393&viewfull=1#post4084393

 

:-)

We could do with some help from you

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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 !:-)

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