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    • are all of these debt owners or were the original creditors aware of your current correct address??   bottom line ..have you moved since taking them out??  
    • AFIAK....there is no such thing as the 6+3yrs rule...………..   the 3yrs only runs from when you reasonably became aware...   now if the creditor wrote to you at the correct address..then so be it... if they didn't then the 3yrs has never started..?????    
    • Hello No need to apolgise, thanks for taking the time to help. So from the above do you think I should go back to them now with that information or just go direct to the FOS?
    • Hi Egawe and welcome to CAG   Firstly, can you please confirm the amount of the suggested admin fee as £12 is lower than previously and normally charged by Harlands/CRS.   Send the letter to Harlands offering to pay the missed fee but no more. As DX says, post the letter.   If they fail to accept the offer, cancel the DD mandate via your bank. And if they use the DD mandate to take any amount in excess of the monthly fees, you can reclaim this using the DD Guarantee Scheme.      
    • Hi All,   I hope I'm posting in the right place.     I have about £40k in unpaid debts (cards, loans etc).   They are pretty much all over £5k and nearing the 6 year since default time frame...   The first is into the final 12 months now... Capquest... £11k, they own the debt.   Ive been expecting collection efforts to step up as the SB line approaches with them all.     The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.   If any of the so called creditors look into me they'll see that I'm worth chasing.     Having nearly got to the 6 year since default period I won't allow a judgement to show for another 6 years.   How likely are they to try and get one?     With debts over £5k is small claims not an option for them and will it cost them more to take this to court?     My question is this....... They are offering obviously settlements for less.   Capquest 40% of £11K... Id hate to ignore all this and end up having to pay the full amount as they take it to court.... How likely are they to do this?     If they do will they still take a settlement when proceedings have commenced? (Hence nothing to lose by waiting).   Companies in question are: Intrum Uk Ltd Cabot Credit Management Group Ltd Aarrow Global Ltd    I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global.... They have also made subtle threat on their latest letter with the wording "Our additional enquiries have indicated that you are a homeowner at the above address."   Most of the defaults were around 2014 for agreements taken out 2008 -20012.   Original creditors... Halifax, Tesco, Virgin Money.     In Northern Ireland so PAP doesn't apply I think.   Any advice appreciated. Regards Diedebtsdie              
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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tnook

Very Old Barclaycard Charges

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as they did with the old SAR system too..


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Will persevere. A bunch for charges from 1998, when I was single and carefree should add up to a nice claim :)

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Does anyone know where the credit card interest calculator spreadsheets are? The links in the library are broken.

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no such thing

 

do you mean the sheets to calculate the interest charged on penalty charges?

 

cisheet

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes that the one. Thanks!!

 

Do you think I should try claim contractual interest? Have there been any successes?

 

I just used the spreadsheet and compared the Statutory 8% vs Contractual 19.9% on a single £25 charge from July 1998. The difference is staggering.

 

For 8% = £91.87

 

For 19.9% = £924.18

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there have been successes yes

see the shelley threads and martin2006 threads


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Will have a look thanks. I think I have about 30-40 charges from back then. Late payment and over limit on two cards. Could get interesting.

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Been reading the Shelley threads. Wow, mind blown. You guys are a great help.

 

Was interested in the amount of interest to apply for restitution. Slick you mention 29.9% as good number. Crumbs if I apply that then a single £25 charge from 1998 will attract compound interest of £ 4,678.68. I expect I have about 30 to 40 of these charges, so the total claim could be over £150,000. This will no doubt attract a lot of resistance from BC. Plus won’t it put me out side the small claims track?

 

I’m willing to give it a go if you can guide me.

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Hi Tnook,

 

Get the necessary data first, then enter it on the Spreadsheet and let us know what the figures look like.

 

I've always preferred the rate of 24.9% despite what has been claimed in the past. Also, we must bear in mind that the likes of yourself, Shelley, Kate999, etc won their claims years ago and cases since then have been defended.

 

I've just seen you went through the reclaim process and won some 8 years back - it may be different now and I'll look for more recent cases as examples. Old thread is here - https://www.consumeractiongroup.co.uk/forum/showthread.php?257056-Claiming-BC-charges-over-6-years-**CHARGES-REPAID-with-CONTRACTUAL-INT-T**

 

Also, anything reclaimed over £10K carries greater risks :-

 

1. The case may be more vigorously defended by a bank who cares nothing about the legal costs they incur.

 

2. The risk of costs going against you are greater with cases NOT heard on the Small Claims track of the County Court system.

 

3. The costs involved increase significantly on Fast and Multi Track claims.

 

I'll come back with links to more recent cases later .............

 

:-)


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Thanks Slick, appreciate the help. First battle is getting the old statements.

 

I know how precious they are about their microfiche system. :lol:

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If they refuse to release data because it's on Microfiche, you can complain to the ICO or you could take direct court action seeking nominal damages for failure to comply with the SAR. I assume you will now complain at their failure to disclose the data re charges on your B a/c.

 

This was a case from earlier this year - https://www.consumeractiongroup.co.uk/forum/showthread.php?460786-Barclaycard-Charges-Reclaim-and-now-Default-Removal&p=5097754&viewfull=1#post5097754

 

It starts part-way through the claim but you should take time to read it right through.

 

On reflection, Johnhn should perhaps have accepted the offer and not continued the claim JUST to have the default removed. The change of judges may also have played a part in the case being lost but that's always a risk.

 

Get the data and read through the whole of Johnhn's thread.

 

:-)


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Just read Johnhn's tread. Feel really bad for him and annoyed that a judge who is ignorant of the regulations and law can just do that.

 

The lessons I am taking from this are firstly I'll be sensible about settling if it's the right thing to do. Secondly learn everything about how credit card charges are not covered by the OFT vs Nationwide case, so that I can argue it strongly in court if needed.

 

Are there anymore recent examples of BC successfully defending claims?

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Hi TN,

 

I can't recall any other recent threads (in the last 5 years) where BC successfully defended.

 

I've just moved a couple more threads into the Barclays Successes forum - cases (probably) won by HPMum and Martin2006 but can't say for sure due to confidentiality clauses.

 

:-)


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Time limitations.

 

I know we tend to rely on Kleinworth to overcome the 6 years limitation, but I was reading there is a 3, 6 and 15 year limitation which the banks will use to get cases dismissed. See links below from the MSE forum and practical law site.

 

Is this a problem for older claims?

 

https://forums.moneysavingexpert.com/showthread.php?t=571302&page=156#topofpage

 

https://uk.practicallaw.thomsonreuters.com/1-518-8770?transitionType=Default&contextData=(sc.Defaul++t)&firstPage=true&bhcp=1&comp=pluk

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we've never seen Barclays try that they know diff

as for MSE

I wouldnt believe anything that's written there...

 

practical law...well but the fact is here its WHEN YOU REALISED not any other time.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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It's been 3-4 weeks now and no reply from BC. I asked for the statements for the accounts but nothing, not even an acknowledgement. I guess this is standard. What's the next step go to the Information Commissioner or just straight to court?

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give em a ring


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Spoke to a lady who was nice but had no idea what was going on. She checked the records and said they send a letter early July. This was the original incomplete set of data. No mention of my letter from mid July requesting they complete the request with the specific Visa and MasterCard information. The lady said shel'll give me a call sometime next week if she hears back from the relevant department.

 

I don't feel super confident they will comply.

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Ok called again, they haven't a clue. So I have now sent them my LBA giving them a week to get the statements to me. In the meantime I have reported the breach to the information commissioner but I won't hold my breath on them doing anything useful.

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What address have you used to write to Barclays again.

 

Did you use a letter from our Library - https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?404-Data-Protection

 

:-)


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Ok have reached the end of the road with asking Barclays nicely for the statements/data.

 

Call centre is adamant they only have 6 years of data. Letter back from Barclays saying they have already complied with the GDPR request and won’t process it again. However Iif I want to supply additional information they may look again. All the information was in my previous letters.o

 

Time to escalate it in the courts. I’ll start drafting my claim form tonight, can someone check it before I submit it?

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Can you answer the 2 Q's in my post above.

 

Have you followed Pre Action Protocol ? You'd be unwise to fire off a claim without going through the right pre-court action warnings.

 

:-)


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I've been sending the letters to:

 

Barclaycard

Customer Relations Dept.

1234 Pavillion Drive

Northampton

 

They're written back, so the address seems to work. Used the GDPR template from the library to kick off the process then wrote 2 more letters chasing them.

NN4 7SG

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First letter chasing them after BC send an incomplete set of data:

 

 

Barclaycard

Customer Relations Dept.

1234 Pavillion Drive

Northampton

NN4 7SG

 

 

Dear Sir/Madam

 

URGENT: INCOMPLETE GENERAL DATA PROTECTION REGULATIONS - SUBJECT ACCESS REQUEST

 

ACCOUNT /REF NUMBERS

 

Barclaycard Mastercard XXXXXXXXXXX

Barclaycard Visa XXXXXXXXXXX

 

Thank-you for the partial completion of my GDPR request. I had specifically asked for all transactions and charges relating to my banking history with your organisation for the accounts listed above. From their opening in 1998 thru to their closure in 2003. Alternatively, a complete set of statements for that period will be acceptable.

 

You have previously confirmed in writing that you have the relevant data and can access it, but needed the account numbers which you claimed you didn’t have.

The data bundle you sent back to me yesterday clearly shows the account and card numbers. I can’t understand why you didn’t complete a previous SAR when you clearly had the account numbers.

 

Please now complete the data access request for the above accounts within the 7 days remaining of the original request.

 

If you fail to comply with all of your obligations, I will make an immediate complaint to the Information Commissioner about your statutory breach – and without any further notice to you.

 

This may also lead to legal action in the county court and a judgement will then be forwarded to the FCA.

 

Yours faithfully,

 

tnook

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