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    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
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Dagenham Dave

Barclays Additions Fees Reclaiming

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Hello

 

This is a new post by myself and I'm quite new to this. I sent a SAR to Barclays for an account I no longer have. I'd like to know if people have had any success in claiming back the fees on theses type of accounts.....

 

I opened a Barclays Bank Account in July 1994. It was just a normal bank account with an overdraft facility should I require it. This was only intended to be a secondry account as my main account was held elsewhere.

 

I recently received my statements and some other information that the bank held about me. I remember whilst I had the account that at some stage, 2001, the title of the account changed to Barclays Additions. It was certainly not something I asked for but noticed a monthly charge on the account. Nothing in the documents I received confirm I applied for this account. Do I therefore send a CCA to Barclays or do I write a letter of complaint about account being changed without my consent?

 

If I send a CCA or letter of complaint which address do I use?

 

Any advice to help me move this on would be greatly appretiated

 

DD

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Hello there.

 

I've moved your thread to the Barclays forum and left you a link to follow from the Welcome forum.

 

People should be along later with advice for you. :)

 

HB


Illegitimi non carborundum

 

 

 

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Any advice I give is honest and in good faith.:)

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Help keep it up and active, helping people like you.

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)


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Hello slick132 and maroondevo52

 

I will read all the thread again and see what I can pick up. I have been lucky in obtaining all the statements from the period I was put on an Additions account.

 

I had little problem getting my SAR unlike Alice but my partner is having a problem with Barclaycard

 

Regards

DD

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Hi DD and welcome to CAG

 

Have you carefully read through the thread linked by Maroondevo. I note you posted on that thread yesterday but read it, and others about Additions reclaim cases.

 

:-)

 

Hi Slick

 

Yes I've now re read Alices thread. I already have my statements which confirm about me holding an Additions account from 2001-2006. There was no evidence that came with the SAR to confirm I actually requested this type of account. I believe it was switched from my ordinary basic account which I opened in 1994.

 

Am I correct in thinking that any CCA would have been sent to me with my SAR, if that is the case then do I now send a letter of complaint?

 

Thank you for any advice you can give ☺

 

DD

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the account is no longer operational, the agreement is over..so a CCA request is pointless.

typically you don't get agreements in an SAR return

and esp so from Barclays...

 

 

have you done your spreadsheet?

that need to go with the letter of complaint

else they'll treat it as a speculative claim

and fob you off without even reading your letter.

 

 

you need to provide evidence too.


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Thank you dx, is there a template for the letter?

 

All the copies of my statements they sent me in return of my SAR cover the years I had an Additions account. In what form of evidence do I need dx? Can you advise of which Spredsheet I need and includes the 8% interest?

 

Many thanks again.......

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already answered in post 5


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Many thanks dx, I'm on it now.........

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I have an update to my claim with my Packaged Fee account and would really appretiate some help and advice regarding my claim.

 

Looking through previous statements

I now realise the cost of an overdraft I originally had on my free account increased to almost 400% when I was switched to the Package Account.

 

 

I originally sent a letter to Barclays outlining my fee charges plus interest.

I now believe these increased fees helped my account become unmanageable when I became temporarily unemployed.

 

 

Needless say I received a CCJ with costs.

I am happy to say that all that has passed now but can I include this within my claim

 

 

if so how do I gauge the cost of all that?

Any help and advice will be greatly received

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shouldn't have od's were free upto a certain figure?

that's was part of the package free OD to say £500?

which is how they fleeced people into signing up to it, hiding all the useless insurances.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello dx100uk

 

I only paid interest on my authorised overdraft on my free account when my account went overdrawn. It wasn't very much. However, when my account was switched to a package account the charge for the Additions account was considerably higher. It was only a secondary account and had it of been my main account I would have probably realised much earlier about the "Fee" levied against the account instead of the interest. Of course these fees increased on what seems a yearly basis

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