Jump to content

  • Tweets

  • Posts

    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
    • Maybe have a third chamber, The Peoples' House 😃
    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Ding Ding... Round 5, MKDP/Barclaycard/Goldfish/MSDW v Spam.


Please note that this topic has not had any new posts for the last 1979 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Nah !!

 

Can't make out the T&C's even with specs, which brings the document into question on the grounds of legibility.

 

I'll ask for expert opinion on this. :)

 

Hi Slick and thanks for your input... sorry you had the inconvenience of finding your specs. ;-)

 

I have attempted to copy out the 'financial particulars' into word and I believe this to be what they have sent me... (had to take my specs off... never seen such small 'small print' )

 

Financial and related Particulars.

 

  • 1.We shall determine the credit limit and the cash credit limit from time to time and shall notify these to you
  • 2. Interest rate for balance transfers made by 01/03/00 and other amounts payable in relation to such Balance Transfers 0.565% per month for the period of 6 months following the date of the balance transfer concerned and thereafter at the rate of 1.388 (?) % per month.
  • 3. Interest rates for cash advances and other amounts payable in relation to such transactions ???% per month.
  • 4. Interest rates for purchases and all other amounts payable under the agreement not mentioned in 2 or 3 above 1.388% per month.
  • 5. We shall charge a cash advance fee of 1.5% of the amount of the transaction concerned or £1.50 (whichever is the greater).
  • 6. Each month when there is an outstanding balance on the account you must make payment on or before the 25th day after the relevant monthly statement date unless we allow you to make a reduced payment or no payment as described in condition 6.8. Your statement will show you the due date for payment. You must pay at least the minimum payment plus any arrears on the account as at the date of the relevant statement. The minimum payment will be £5 or 2% of the account balance as shown on the relevant statement (whichever is the greater) plus any amount by which the account balance is over the credit limit as at the date of the relevant statement. If the account balance is less than £5 the minimum payment will be the account balance. Your statement will show the Minimum payment and the amount of any arrears on the account as at the relevant statement date.
  • 7. We may at our discretion in accordance with condition 6.8 occasionally allow you to make a reduced payment or no payment for a period of our choosing in which case we will continue to charge interest and not extend the period within which payment should be made to avoid interest on purchases.
  • 8. APR for purchases 17.9%. APR for Cash Advances 20.4%. APR for balance transfers made by 01/03/00 6.9% for the period of 6 months following the date of the Balance Transfer concerned and thereafter at the rate of 17.9%.
  • 9. We may at our discretion vary any interest rate (apart from the period or rate of any special interest rate on certain balance transfers notified to you as part of a promotion under condition 10.4) at any time after giving you at least 7 days prior written notice and we may at our discretion vary the amount of any other fees or charges payable under the agreement or any of the other terms of this agreement at any time after giving you at least 30 days prior written notice.
  • 10. In working out the APR we have not taken into account any changes which may occur in the interest rates mentioned above or in the amount of rate of the Cash Advance Fee nor have we taken account of any potential benefits payable under the Cashback bonus programme in addition we have assumed that all transactions are in Sterling and have based the APR on a credit limit of £2000.

So apart from it really being pretty illegible from the print point of view I think there may be flaws where they have referred to ' conditions 6.8 and 10.4' as they are nowhere to be seen and I assume these conditions should form part of the document to make it enforceable.

 

The document has not been signed by an MSDW rep

 

and the credit limit of £2000 is only being stated as a basis of the APR so as far as I can see no credit limit is specified...

 

There is no information whatsoever of any charges that could be levied.

 

These are just my limited observations and I welcome expert opinion on this.

 

The boxes below the 'particulars' refer to 'rights' and 'Loss or Misuse of Credit Card They are pretty indecipherable but I can give it a go if need be.

 

Thanks, Spam. :)

Edited by Spamalot
Highlighting text

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Hi Spammy,

 

Steven has looked at the doc't and said it is probably enforceable.

 

However, I've also asked for comment about the "conditions" not being included on the doc't you rec'd.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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 !:-)

Link to post
Share on other sites

Hi Slick, and a big thank you to you and Steven for your time. :)

 

Steven is probably sick of looking at documents for me by now! :oops: (only another 2 to go when they arrive!)

 

If the document does prove to be enforceable then I guess it's not the end of the world 'cause it's one of my smaller debts and strangely enough... Despite my not paying this month, they sent me a statement saying my account was overdue and then refunded me some interest!!

 

Weird.:-| but something I could get used to :D

 

Spam. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
how do I start a thread please ?

Hi Hopster.

 

if you want to start a thread in the Barclaycard forum just go to the top of the page and scroll down the left hand side there will be a 'new thread button.

 

if you need more info there is this..

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

Good luck. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

Steven says the agreement appears to be enforceable as it includes the Prescribed Terms, regardless of reference to conditions which are not included in the agreement itself.

 

As you have managed to read and type out the small print which we couldn't see clearly on photobucket, the document does not fail on the grounds of illegibility.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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 !:-)

Link to post
Share on other sites
Steven says the agreement appears to be enforceable as it includes the Prescribed Terms, regardless of reference to conditions which are not included in the agreement itself.

 

As you have managed to read and type out the small print which we couldn't see clearly on photobucket, the document does not fail on the grounds of illegibility.

 

Cool thanks... worth a try;-)

 

I'll get back to paying them again...:mad:

 

Still...there's always the Goldfish Card... That was HFC as OC and if my marbles account is anything to go by.....:)

 

Thanks again. Spammie. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

...of course being a devils advocate here.....

 

Is this a copy from a microfiche or is it a real paper agreement they have?

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites

I would think by the size of the copy it's a microfiche... it's only about a 1/3rd of an A4 page... why?

 

MSDWApplication.jpg picture by Spamalot_bucket - Photobucket

 

Thats the view before I 'cropped it'.. you can see the distance between the side and the bottom of the A4 page.

 

Also it's got the app form and what I think was a fold and seal bit with the financial parts tagged onto the bottom of the form.. In fact looking at it closely I'm not even sure if it's joined!!!

 

Spam.:-)

Edited by Spamalot

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
I would think by the size of the copy it's a microfiche... it's only about a 1/3rd of an A4 page... why?

 

Opens up a whole different kettle of fish if its a copy of a badly scanned microfiche if it ever gets to court.

 

The fact that this application would have been scanned by someone in MSDW and then its been sold to Barclaycard means it has a very suspect audit trail witnessed by the fact that Barclaycard's barrister has admitted to another CAGGER that they have a problem finding peoples old agreements as they were handed over in a state of chaos.

 

Being a copy means you can question this audit trail at court stage and Barclaysharks will now this.

 

S.

Edited by the_shadow
Re-read supporting evidence threads and changed comment accordingly
  • Haha 1

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites

OOOOOOOOOOHHHH interesting! Thank you.. I won't give up yet then. ;)

 

I think I shall demand a more legible copy and see what happens.. as I edited above, on closer inspection I'm not 100% sure that the terms are actually attached to the form because it's too blurry to see.

 

Thanks Shadow. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
OOOOOOOOOOHHHH interesting! Thank you.. I won't give up yet then. ;)

 

I think I shall demand a more legible copy and see what happens.. as I edited above, on closer inspection I'm not 100% sure that the terms are actually attached to the form because it's too blurry to see.

 

Thanks Shadow. :)

 

I've gone back to read the relevant thread SMt37 vs barclaycard and as such have edited the comments in the post above.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites
  • 2 weeks later...

Hi all,

 

 

Just a teensy weensy query regarding the enforceabilty of the MSDW Application.

 

I cannot see a signature for MSDW anywhere on the paper copy that I have. (unless it's hiding in one of the black bits I can't read)

 

Would that make the agreement enforceable but improperly executed?

 

If so, what would be the implications of that if any?

 

I intend to get a more legible copy if poss but I'm still awaiting SAR's to see if there is a better one in there.

 

I've also had NOTHING back re my CA request with regards to my Goldfish account... not even a T&C. :(

 

Spam. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
Hi all,

 

 

Just a teensy weensy query regarding the enforceabilty of the MSDW Application.

 

I cannot see a signature for MSDW anywhere on the paper copy that I have. (unless it's hiding in one of the black bits I can't read)

 

Would that make the agreement enforceable but improperly executed?

 

If so, what would be the implications of that if any?

 

I intend to get a more legible copy if poss but I'm still awaiting SAR's to see if there is a better one in there.

 

I've also had NOTHING back re my CA request with regards to my Goldfish account... not even a T&C. :(

 

Spam. :)

 

If its not signed you are correct in that its not properly executed and therefore enforceable only by a court. However if this is the only thing wrong with it then the court would in my opinion enforce the agreement.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites
If its not signed you are correct in that its not properly executed and therefore enforceable only by a court. However if this is the only thing wrong with it then the court would in my opinion enforce the agreement.

 

S.

 

Thanks S. :)

 

Just updating with my new thread as I have received a semi result of my SAR with regards to the Goldfish Card and I thought it best to start a new thread as it could get confusing where the accounts have 'morphed' amongst HFC/GOLDFISH/MSDW/BARCLAYCARD...

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/207515-spamalot-barclaycard-goldfish-hfc.html

 

 

Spam. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
  • 2 weeks later...

Hi Folks,

 

Barclaycard have surpassed themselves today with a reply to my SAR on this account.

 

Today I received a letter stating...

 

Further to a recent letter received fom you,requesting certain information.

 

Please find enclosed copies of the information which we hold.

Any other details requested which are available will be sent to you from the appropriate areas.

 

Kind Regards,

 

In the envelope was..... wait for it..... Drum roll..... NOTHING! :rolleyes:

 

It was just the letter and b**ger all else.

 

They are just so non specific you can't even tell what was supposed to be in there... It's worse than a spy novel... perhaps it's in code. :p

 

There was another envelope though, and that had the same letter as the above plus a copy of the covering letter they sent with my 'Credit agreement'.

 

Does anybody else think the Staff at Barclaycard have their heads up their backsides or is it just me who has that impression of them.

 

Onwards and upwards... I hate Barclaycard,

 

Spam.:)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites

In the envelope was..... wait for it..... Drum roll..... NOTHING! :rolleyes:

 

It was just the letter and b**ger all else.

 

 

Spam.:)

 

Hi Spam... yep have had the same... also a letter saying agreement to follow.... 8 weeks later.. nothing :-D

 

Dont think the company knows what they are doing to be honest.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites
Hi Spam... yep have had the same... also a letter saying agreement to follow.... 8 weeks later.. nothing :-D

 

Dont think the company knows what they are doing to be honest.

 

S.

 

It certainly makes you wonder if it's incompetence or whether this is a ploy to confuse and frustrate the majority of customers to see if they can baffle us into submission.

It wouldn't surprise me if they all sat in an office at a round table with their letters and envelopes saying 'ok, you pass your letter to the right and the envelope to the left and then 'stuff' what you've got in front of you' just like a giant party game. :p

 

 

Spam.:-)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
It certainly makes you wonder if it's incompetence or whether this is a ploy to confuse and frustrate the majority of customers to see if they can baffle us into submission.

It wouldn't surprise me if they all sat in an office at a round table with their letters and envelopes saying 'ok, you pass your letter to the right and the envelope to the left and then 'stuff' what you've got in front of you' just like a giant party game. :p

 

 

Spam.:-)

 

 

haha cue someone turning the lights off and pressing play on a tape machine :-D :-D

 

S.

Edited by the_shadow
Doh!!!

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites

All very interesting. I, via a solicitor, am issuing proceedings against them for witholdind information as they haven't sent documentation as requested re. Liverpool Victoria to Goldfish and then to Barclaycard who have just sent me a new card !! -can't go into too much detail as they hunt around on these consumer sites to see what they can pick up.

Link to post
Share on other sites
All very interesting. I, via a solicitor, am issuing proceedings against them for witholdind information as they haven't sent documentation as requested re. Liverpool Victoria to Goldfish and then to Barclaycard who have just sent me a new card !! -can't go into too much detail as they hunt around on these consumer sites to see what they can pick up.

Do you have a thread on this Hopster? It definitely sounds as if what you are doing could be very useful. If not just keep us posted so to speak..

 

Spam.:)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
All very interesting. I, via a solicitor, am issuing proceedings against them for witholdind information as they haven't sent documentation as requested re. Liverpool Victoria to Goldfish and then to Barclaycard who have just sent me a new card !! -can't go into too much detail as they hunt around on these consumer sites to see what they can pick up.

 

 

Well by my avatar they certainly will know who i am :lol::lol::lol:

 

Read and Learn BC

Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

Link to post
Share on other sites

They are being silly again. :rolleyes:

 

I received my monthly statement for this account today... As they had sent me a copy of the CA I decided not to continue my 'dispute' on this account for the time being and paid them their agreed monthly payment. It was a tad late so it missed last months statement so I have 2 payments shown on this months.

 

As they have stopped charging interest (despite writing to me and saying they will :confused:) I gave them a dash extra this month to bring the balance down a bit more. Lo and behold on the 3rd sheet of the statement It shows only the one payment and I am told I am in arrears and they have sent me a shiney 'arrears information sheet' ( If I get many more of these I'll be able to paper my downstairs loo!)

 

Page 2 shows 2 payments of more than agreed amount ..... page 3 shows 1 payment.... Nope still can't work out the logic in that one...

 

I hate Barclaycard,

 

Spam.:)

 

Just letting of steam..8)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
  • 1 month later...
Hi Spam,

 

They haven't come up with any form at all for me, but I'm sure that the application form had different pictures of fish! Exactly.. thats what I remember... I think there were 2 or 3 for visa and a different 2 or 3 for Mastercard... something like that..:confused:What they have sent you sounds fishy to me. :D

 

DD

 

:lol:.. Methinks the fish have escaped ! It will be interesting to see if they turn up..

 

How long ago did you apply to be reunited with your 'agreement', and what year did you apply for your original card?

 

Spam. :)

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...