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    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known.   I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
    • Hi, I have had to hand my notice into work this week due to my Manager telling me that I had lied to him. After we had a talk about it I received lots off emails asking about various things that needed sorted as someone else who I work with made such huge problems, so I was told to deal with it, which I have no issue with. I was also promised bonus money in April due to us doing so well and as off yet I have received nothing.  I was thinking about putting in a grievance but wanted to find out more before I do. I am still employed by them + am still on the payroll. Thanks in advance  
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Baz1994

Morgan stanley/barclaycard cpp refund

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Hi hope someone can help.

 

I had a CPP for the above in which I have been successful in reclaiming.

 

The only thing is I have today received a statement and Barclaycard have deducted protection amount owed from balance,

Tax amount and also the simple interest amount ?

 

The card was suspended a couple of years ago (due to another barclaycard account that I had problems with)

and I always make the regular minimum monthly payments that are due on this account.

 

I have had no contact from them regarding what they have done

or any further contact from Card Protection Plan Limited.

 

Is this correct what they have done as

 

I thought that any interest less tax should have been returned to me and not applied to the account ?

 

Its not a large amount but its the principle of the matter that concerns me.

 

Apologies if I have posted under wrong section.

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are you saying CPP have settled your claim?

 

didn't think they were doing anything till atleast august 2014


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are you saying CPP have settled your claim?

 

didn't think they were doing anything till atleast august 2014

 

That's what I thought but I have received a statement deducting mentioned amounts ? If that's the case should they have not applied the simple interest amount ?

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the refund of CPP from CPP goes direct to you.

 

sure this is not Barclays that have refunded you

was the CPP from before 2005


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the refund of CPP from CPP goes direct to you.

 

sure this is not Barclays that have refunded you

was the CPP from before 2005

 

Again thats the mystery no correspondence regarding it just a Barclaycard statement received today showing amounts ? I had previously completed CPP details regarding a Morgan Stanley Credit Card pre 2005 but had not heard anything more since.

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were you sent a recent cpp reclaim form under the agreed scheme and filled in and returned it?(all sales/renewals from jan 2005)


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were you sent a recent cpp reclaim form under the agreed scheme and filled in and returned it?(all sales/renewals from jan 2005)

 

Yes I did and I returned it to CPP

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yes barclaycard have paid you (deducted) on behalf of CPP as per the scheme arrangement. You now need to reclaim all amounts paid prior to jan 2005 with associated interest from barclaycard


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yes barclaycard have paid you (deducted) on behalf of CPP as per the scheme arrangement. You now need to reclaim all amounts paid prior to jan 2005 with associated interest from barclaycard

 

OK thanks. Do I just sent Barclaycard a letter to that effect ? Is there a template letter do you know ?

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Use the reasons for mis-selling that you put on your reclaim form, and enclose a spreadsheet using the in t rate they charged on your card as per ppi reclaim

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Use the reasons for mis-selling that you put on your reclaim form, and enclose a spreadsheet using the in t rate they charged on your card as per ppi reclaim

 

Thanks again. Sorry for further questions but how is the interest calculated / applied ? Per year since I've been paying it ?

 

I paid a yearly amount of £20 from 1999 to 2005 when barclays took on account and it was cancelled.

 

Figures on statement are CCP £76.00 CR plus £70.64 CR for Simple interest and £14.13 DR in respect of Tax.

 

APR is 19.16%

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the scheme only refunds from jan 2005 so have you paid £76 in premiums from jan 2005, otherwise it doesnt make sense, because at £20 per year you would have paid £120 in premiums pre 2005


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the scheme only refunds from jan 2005 so have you paid £76 in premiums from jan 2005, otherwise it doesnt make sense, because at £20 per year you would have paid £120 in premiums pre 2005

 

Sorry for confusion but that's why I am asking. I will contact Barclaycard for an explanation anyway but the payments were pre 2005 hence mentioned in CPP letter a while back and that Barclaycard would be contacting me.

 

The policy was cancelled by Barclaycard in 2005 when I had difficulties with my other card and account was suspended. I still make minimum payments and it seems that they have applied refund amounts to my balance outstanding.

 

They have applied simple interest to amount but is this correct ? Should the APR also been applied ? Is there a spreadsheet template that I can use that will calculate correct amounts owing ?

 

And finally as the card account is suspended, should the interest amounts less tax be returned by cheque to me and not to account ?

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Sorry for confusion but that's why I am asking. I will contact Barclaycard for an explanation anyway but the payments were pre 2005 hence mentioned in CPP letter a while back and that Barclaycard would be contacting me.

 

The policy was cancelled by Barclaycard in 2005 when I had difficulties with my other card and account was suspended. I still make minimum payments and it seems that they have applied refund amounts to my balance outstanding.

 

They have applied simple interest to amount but is this correct ? Should the APR also been applied ? Is there a spreadsheet template that I can use that will calculate correct amounts owing ?

 

And finally as the card account is suspended, should the interest amounts less tax be returned by cheque to me and not to account ?

 

Just to up-date situation, I have today received refund cheque from CPP for post 2005 period.

 

I contacted Barclaycard regarding pre 2005 period, as previously explained regarding additional Credit Card statement received deducting CPP amounts from balance including simple interest.

 

My question again is should the Simple interest amount have been refunded to me ?

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yes for the si,in addition you should be seeking associated interest at the rate you were charged to be refunded


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yes for the si,in addition you should be seeking associated interest at the rate you were charged to be refunded

 

Thanks for the response oldrouge.

 

Sorry for silly question but how do I calculate associated interest amount ? Statement reads as follows :-

 

Cr Simple Int £70.64

Cr Card Protection £76.00

Dr Tax £14.13

Int on cash Balance 2.00% £5.55

Int on standard Balance 1.597% £10.31

 

New Balance £1,004.28

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use this spreadsheet FosCISheet v101.xls


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Apologies if I have posted under wrong thread but wanted to advise the following and perhaps someone can enlighten me before I respond to Barclaycard.

 

I was successful in reclaiming CPP (CPI) for the above mentioned

only due to the fact that I noticed a refund on my latest statement

but no explaination from Barclaycard ?

 

I decided to chase and request details and breakdown of refund amount.

 

Today I finally received a letter from Barclaycard apologising for not explaining calculation of refund

and prior letters being sent to me (in which have now been enclosed dated February 2014)

and confirmation that refund has been made.

 

What annoys me is that

they are saying that because I hadn't responded

(but how could I when letters had not been sent, requesting way of refund)

they deducted from account ????

 

Mind you they have given me a goodwill gesture of £50 for the inconvenience

but again they will deduct from my account.

 

Am I still within my rights to request that they return by way of payment to my bank ?

 

Its not a large sum but still around £185 but would rather have the cash than reduction of card balance.

 

Also they have advised that Barclaycard apply 8% simple interest

as it is not a company policy to award compound interest for such complaints.

 

Is this correct does anyone kindly know ?

 

Should I request details where in their policies does it state this ?

 

I'm not looking a gift horse but the difference in refund is in the region of £600

 

I don't really want to go to FOS at moment so any advice would be appreciated before I respond or accept their offer.

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Do you have any arrears on the account ?


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Do you have any arrears on the account ?

 

Thanks Citizen - No not on this Morgan Stanley / Barclaycard account but it has been suspended due to another Barclaycard account that I have an Payment Plan arrangement with.

 

And can you confirm if its simple interest and not compound ?

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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

dx


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unless they can prove it didn't have compounded

 

I bet it did

esp as it appeared on your statements.

 

so the morgan stanley card had an outstanding balance then?

 

dx

 

Yes it did and was taken over by Goldfish then Barclays, in which I have been maintaining requested monthly payments.

 

What should I do regarding 8% simple application - Should I dispute it with barclays first asking for clarification of said policy or should I go to FOS ?

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ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy


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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

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ok well sadly they are entitled to off set then

if there is an outstanding balance

on the card it was levied upon.

 

can I just check something...

 

was this CPP as in terms of:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

or was it Barclays own policy

 

Oh ok but might have to give them a call about it anyway, as contact has given me her details to discuss further if need be.

 

Good question and sorry to sound stupid but not really sure. The letter just states Card Protection Insurance (CPI) complaint on your Barclaycard account but prior to January 2005.

 

I have already received a refund cheque from CPP for post January 2005.

 

Do you know if the application of 8% interest is correct ? If so should I have not received amount (not against balance) less tax, and premium refund deducted from card balance ?

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due to the weak agreement to resolve the cpp issue,it was agreed interest was only refundable at 8% and BC seem to have followed this, although obviously you were charged compound interest on your account. The 8% should in any case have been refunded to you less 20% tax which you can reclaim if a non taxpayer. Personally I would argue it out with BC on both counts


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