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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Barclays loan default 5 years after default notice!!!


barclayeater
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Hi Caggers,

 

I took out a personal loan in 2007 to pay a tax bill

the bank manager at the time agreed repayment over a period of 6 months.

My circumstances changed and I was unable to pay.

The loan docs were on one side of A4 with no real T&Cs etc.

 

 

The bank manager was eventually fired

I received new documents to urgently sign by the new branch manager.

These looked more like a proper credit agreement.

 

I carried out a CCA request and found in the statements that by account balance had been corrected to £0.

 

Barclays continued to be very pushy in relation to signing a new set of T&C's.

I knew something was fishy and refused to sign,

they retaliated by closing the account.

 

5 years later I received a DN on my credit file out of the blue which I thought was utterly unfair.

I was not in a position to apply for credit so thought that I would wait to see what happens.

 

I have had no communication with the bank about this since 2010

and am looking for grounds on which I can argue for this default to be removed.

 

If it was properly applied in 2007 then 6 years would have long passed?

 

Many thanks for reading and apologies if it sounds convoluted.

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time to write to Barclays me thinks..

 

 

the default should be registered after the third 'missed' payment

 

 

slick132 will advise better.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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H Barclayeater and welcome to CAG

 

First move is to send the bank a SAR with the £10 fee - http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

This should result in you getting details of all data held about you by Barclays.

 

It won't necessarily turn up copy documents like a credit agreement but it may produce useful data.

 

Once you have the data, you can then see what you have to substantiate any demand for the removal of a default or adverse CRA data.

 

:-)

We could do with some help from you

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When was the SAR sent ?

 

:-)

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 !:-)

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whats the date of the default on your CRA file? If its 2010 it will be coming off this year anyway. Im not for one minute saying thats acceptable, it should be gone already. barclays doing this alot recently.

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Pages 6 & 7 here should give more info.

Barclays have been very naughty with this so might be worth complaining up the top :)

 

http://www.scoronline.co.uk/sites/default/files/high_level_prinicples_document_final.pdf

 

We could do with some help from you.

 

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

 

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Receptaculum Ignis

 

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Thanks.

 

 

Do I go straight to the ICO office for an official complaint?

 

 

The account was opened in 2007, x6m payments,

I would have expected a default notice in late 2007/early 2008.

 

 

The default notice was applied in 2012 after I made an enquiry about PPS!

 

 

Furthermore, just discovered that my husband also has the same default

and he was never been involved with the loan agreement!

I need to take Barclays to the cleaners for this.

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No you would have to exhaust the barckays complaint procedure and get their final response before the ICO will get involved

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once they correct the default date

the debt will not show

as the default is +6yrs old.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The default for your husband should also be removed in its entirety if he was not party to the loan

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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