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BC sending out generic letters about BC a/c's

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I had the same letter + formal demand for payment after not hearing anything since 2009.

Their CCA consisted of a badly photocopied Terms and Conditions Leaflet from around the time the Credit Card was taken out (1999), this, they insist fulfils their obligations under s78 1974.

Their Default notice, however does not! Dated 7th, payment by 21st, recieved on 9th.

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Thanks for that info Griffin and feel free to start your own thread to discuss your case if you want.

 

CAGger WorriedSick has also had the same letter so it looks like BC are doing some sorting out - http://www.consumeractiongroup.co.uk/forum/showthread.php?416624-Strange-Letter-From-Barclaycard&p=4460047&viewfull=1#post4460047

 

So here in Cloggy's case, it is about the outstanding debt, more than it's about the PPI refund.

 

:-)


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Now I too can join the list of folk who have had the pleasure of this somewhat strange letter.

Mine turned up on Saturday, same as described by others.

 

I've been paying £1 per month and have a written agreement from Barclays that this is fine and will run on up to September 2014, it seems to me as if they are trying somthing on here, I'd love to know what this 'error' is that they are so keen to correct.

 

I'm an ex-Egg card holder and was in difficulty due to unemployment BEFORE Barclays took Egg over. I've never had either a Barclaycard or signed any CCA with Barclays, I'm just wondering if this makes a difference, a little while ago a friend of mine suggested that the debt was unenforcable, I'm not too sure if this is correct. my motto is let sleeping dogs lie. I hoped that a swift return to employment could enable me to pay back my dues but that hasn't happened, up to now evryone seems happy to take a token £1 per month, and to be honest I've been happy not to take any action that might 'rock the boat'.

 

However it seems that Barclays are up to something. Do the experts on this forum think I should make a CCA request?

 

I look forward to hearing your views.

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I'd be interested to hear what FOS have to say. Having re-read this letter it seems a bit of a pointless waste of time and effort to me. Unlike most of my fellow posters on this topic my problems arose in 2011 and I have been paying a token fee every month since. I still have this monthy agreement with them in place up to September 2014.

 

The thing that vexes me with this company is they keep on referring to their 'terms and agreement' by this I assume they mean their CCA. The point is I've never signed any such document with Barclaycard, nor have I ever had a Barclaycard or any accounts whatsoever with this company. I'm an Egg credit card holder. I did mention this ages ago to Barclays but it seems to have been ignored. I often wonder if I have any obligation whatsoever to this company, perhaps they are just trying it on. Or perhaps not. What do you Ladies and Gents think?

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Posts moved a separate thread to avoid hijack of Cloggy's thread.

 

General discussion can take place here.

 

But ask Q's about your specific cases on your own threads please.

 

Thanks :-)


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Its very strange that Barclaycard seem to claim they have made this very same error to so many people' As said very weird and does make me wonder what Barclaycard up too!

 

I am so glad I sought advice about this on this forum and know now that I am not alone and to get the heads up that something very strange going on!

 

So we can all consult each other and know we all can be forwarned what they going to get up to as regards this new ruse!and see what devious things they getting up too

Also great we can work together to help and advise each other and share our experiences.

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Hi I just need some advice on my Barclay card after having nearly five years of no contact with themBack in 2009 ... when I received out of the blue a letter from Barclay card apologizing to me! Saying that incorrect information was on my credit ref files and they were going to correct it.They went on to say that they had forgotten to enter my default onto my credit file and were going to rectify it by entering a default dated from 2009 on to it and told me they were under an obligation to correct it.How kind of them! Very strange!

 

They also enclosed a demand for the full sum of money they claimed and if I failed to correct it within a month they would default me and then would have rights to enforce legal action etc ...

I've had the same letters, both dated 31/01 - although my alleged date of default was in April 2011.

 

Brought up to regard debt as deeply shameful my first reaction was the usual anxiety about possible legal action for debt. However, that very quickly changed to mild euphoria at the prospect of fighting back. I'm worried, of course, and my circumstances are far from ideal - no PC, printer, internet etc and entirely dependent for ICT on the local library, which is very far from ideal but much much better than nothing at all. I'm suffering from depression and under considerable personal strain, but I've never been afraid to fight back and with the information and support available here at CAG and at GOoDF, and other places, I'm going to take them on.

 

My first act will be a CCA request, then I'll take it from there.


When you're chewing on life's gristle whistling rarely helps.

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Hi Will,

 

I've taken your post from someone else's thread and moved it to this discussion thread, to avoid hijacking. :wink:

 

Please feel free to start your own thread to discuss your case.

 

:-)


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I too would like to know what this "error" is. Was their reporting to the detriment of those having their credit files updated ? I have seen nothing in the media in respect of this.


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Good point, Cit B.

 

We need to know if BC are saying they previously reported defaults wrongly ........

 

Or if they failed to report them at all.

 

Let's have some feedback folk, if you know what was on your CRA files before.

 

Also, are BC quoting the same date of 2009 for everyone, or do the dates differ.

 

:-)


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I've had the same letters, both dated 31/01 - although my alleged date of default was in April 2011.

 

Brought up to regard debt as deeply shameful my first reaction was the usual anxiety about possible legal action for debt. However, that very quickly changed to mild euphoria at the prospect of fighting back. I'm worried, of course, and my circumstances are far from ideal - no PC, printer, internet etc and entirely dependent for ICT on the local library, which is very far from ideal but much much better than nothing at all. I'm suffering from depression and under considerable personal strain, but I've never been afraid to fight back and with the information and support available here at CAG and at GOoDF, and other places, I'm going to take them on.

 

My first act will be a CCA request, then I'll take it from there.

 

You have come to the right place William ! Cag is great and very non judgemental unlike some other debt forums ive come across!

 

I felt exactly the same as you at beggining but now realizing these banks and companies are at fault as well for their gross irresponsible lending and horrendous unfair charges and interestr rates .It is only human to be tempted when they up your credit card/overdraft limits without even being asked in many cases!especially if you feeling vunlerable depressed having money worries to pay bills etc and worried sick over keeping your head above water!

 

And banks certainly kick us hard when we down and make the debt several times worse when we get over overdfraft penalty fees from £25 to £40 per day and credit card penalies of £24 every month ensuring that you in an ever increasing trap of debt.!

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I too would like to know what this "error" is. Was their reporting to the detriment of those having their credit files updated ? I have seen nothing in the media in respect of this.

Good point CitB and Slick

I have never attempted to have defaults removed so have never ever made an application to a credit referenece angency for a report.

Maybe i ought to get round to requesting one! It would be interesting to check what BC have entered

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Good point, Cit B.

 

We need to know if BC are saying they previously reported defaults wrongly ........

 

Or if they failed to report them at all.

 

Let's have some feedback folk, if you know what was on your CRA files before.

 

Also, are BC quoting the same date of 2009 for everyone, or do the dates differ.

 

:-)

 

Received mine couple of weeks ago, No default has ever been recorded just a status of 6 since just after my last payment (2010). I wonder if this is connected to selling the debt on or possibly starting the 6yr SB date from cause of action (Termination/Final demand)

 

S.


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Received mine couple of weeks ago, No default has ever been recorded just a status of 6 since just after my last payment (2010). I wonder if this is connected to selling the debt on or possibly starting the 6yr SB date from cause of action (Termination/Final demand)

 

S.

 

 

I think you are probably right, shadow - having checked OH's.. there is no default recorded.. just the status 6.


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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

 

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

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This is in some way linked to ICO and its guidance on defaults I think. BUT I feel BC are misinterpreting parts of this.

 

 

Maybe there has been some intervention by the regulator.


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How can one trust their administrative procedures if they have failed to report accurate information to a Credit reference agency for so many accounts ?

 

Anyone who finds themself facing litigation might want to point this out !!


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

 

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

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How can one trust their administrative procedures if they have failed to report accurate information to a Credit reference agency for so many accounts ?

 

Anyone who finds themself facing litigation might want to point this out !!

A few weeks ago I was involved in helping another on a problem of reporting to CRA files as authorised by the person I spoke to the 'CRA section' at Leicester and ask to speak to a 'data controller' or a manager with knowledge and authority to deal with data protection/CRA matters and was promptly connected to customer (dis) service to who I explained what I wanted and why and to whom I needed to speak answer " We don't have any such department'' the operative then hung up.

 

 

Methinks BC are in trouble!!


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I agree that either:-

 

BC are doing some "tidying up" before serious collection action or selling debts on...........

 

............ or the ICO has been on their case and found BC's admin to be seriously lacking in some aspects.

 

:-)


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I agree that either:-

 

BC are doing some "tidying up" before serious collection action or selling debts on...........

 

............ or the ICO has been on their case and found BC's admin to be seriously lacking in some aspects.

 

:-)

 

 

It would seem that Barclays 'book debt' and the way the debt has arisen and been managed internally is suspect.

 

 

I'm seeing another 'generic' letter regarding customers with a high outstanding balances but within credit limit being told

interest rat is rising and they can close the account and keep the lower rate od continue to us the card at the higer rate.

 

 

There is also the matter of how BC allocates payments to accounts:

 

 

If the card holder pays late (after 2345 hrs on the due date) a LPM is placed on CRA files and the payment will not be allocated

in the month due resulting in a missed payment marker replacing the LPM.

 

 

BCs customer complaints department seem to have untrained and ill informed operatives at all levels with no working knowledge of the

regulation and guidance relevant to their sector.


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Just chipping on on this general thread to say I had the same 2 letters (in one envelope) dated 31/1/14.

 

The default date they wish to use is Nov 2008.

 

I'm in a Debt Management Plan with Payplan and am paying an amount they have agreed. Thinking of ringing the number on the letter as one of the faq's says "if you can make a satisfactory payment proposal, we will not default your account" - but the letter says "if there is no change to your existing payment arrangement your account will still be defaulted"

 

Probably won't start a thread unless there are developments. And it should fall off my credit record later this year.

 

Tongue in cheek could I complain about their error :roll: - as if my credit record was correct I might have been refused later credit, and not got myself into the mess I did :|

 

Regards

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Is the Nov 2008 date when you entered the DMP?


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No, just in DMP for 2 years.

When do you think the account was actually defaulted, or when did last make any payment before the DMP?


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We all seem to have had the same mailshot and considering the news about BC this morning perhaps they are trying to raise their bonus fund!

 

 

I have confirmation from FOS that BC do not have a copy of my CCA and we ended up at stalemate, not accepting a full and final offer . . . so after this new line of contact is the general census to sit back and see what happens next?


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