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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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Ding Ding... Round 5, MKDP/Barclaycard/Goldfish/MSDW v Spam.


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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
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'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"

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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.

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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"

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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"

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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.

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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Thanks !:-)

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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"

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...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.

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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"

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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
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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.

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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"

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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.

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  • 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"

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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.

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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"

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  • 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"

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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.

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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"

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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.

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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.

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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"

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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:

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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"

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  • 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"

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