lowells/barclaycard debt

[jones2788]

...

[slick132]

Hi Jones,

 

You mention PPI but say nothing about penalty charges. Do you think you paid any of these during the history of the card ?

 

[jones2788]

Yes quite sure i did,will have to go through all the paperwork to check,they havent sent a signed credit agreement just a photocopy of t+c's

[slick132]

If you want us to see the documents above, you need to post them as PDF's.

 

See the guide here - http://www.consumeractiongroup.co.uk/forum/showthread.php?273653-Help-RWay-9-Year-Old-Debt-lowell-claimform-What-to-do&p=4569683&viewfull=1#post4569683

 

[jones2788]

Im using my phone at the min,but pics are just the application form from barclaycard,and a letter from them saying theyv fullfilled their obligation by providing that and a photocopy of t and c's no actual cca!theyv also sent a statement of the month of default and thats it?since theres no cca with my signature on and the debts from 2004 im guessing they cant do anything?cheers

[Old Cogger]

suggest post it up minus personal details then peeps who know can see for themselves, this is not a guessing game?

[jones2788]

As said at the min i have to use my phone as pc is not working as it should,i know its not a guessing game,just asking for suggestions on general enforcability until i can post the application up on here,what dictates whether or not it is enforcable as it states clearly at the top of the form its an application for a barclaycard not an agreement of t and c's that are signed?

[SabreSheep]

Im no expert on enforceability but there are a lot of diffrerent things that dictate cpmpliance with the CCA hense why people are asking you to put it up. They are not asking for the sake of it. I hope you get your pc fixed quickly

 

In meantime basic things like all personal details must be correct, rate of interest etc

[SabreSheep]

As for PPI and Penalty charges, you should definitely look into this. 900 worth of charges may equate to refunds in the 1000's People have had success with BC within the last few weeks.

[jones2788]

Yes im going to get my pc sorted asap,only thing i have seen wrong atm is my home village is wrong,no signed credit agreement,how would i go about starting a claim for ppi if i was to go that way?

[SabreSheep]

First off, do a full subject access request to the original lender will cost you £10

As for all data including transaction lists

[slick132]

Guidance about reclaiming PPI is in the PPI forum.

 

First move is to get your statements and check for PPI and penalty charges which could be worth FAR more than just the charges alone (due to compound interest).

 

Re the enforceability of the a/c, the signed credit card application may not comply with strict requirements but a judge may not see it that way if it went as far as court.

 

[jones2788]

hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

[SabreSheep]

hi im going down the route of claiming the ppi/charges of the Barclaycard debt now,as said im going to SAR them but what am I looking for exactly when I receive the statements?also can I claim for a bank account that has had charges on it?thanks I really don't know where to start lol

 

 

You are looking for any insurances. Card guards. Protection.

 

overlimit fees. Late payment charges. Returned item fees.

 

Current account charges are a different matter

[dx100uk]

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

 

 

and the links below

 

 

dx