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    • 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.
       
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    • 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!
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Barclaycard PPI and linked cards ??


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Dear All,

 

I filled out the online form for Barclaycard to reclaim my PPI, which I never realised that I had.

 

I get a reply this week enclosing a copy of a letter dated November 2014 that apparently they sent me when I applied for return of PPI the last time??? I have zero memory of doing this and I am not convinced they are telling me the truth.

 

In any case they are telling me that nothing was miss sold and I am not getting any money back.

It seems like a generic letter and they have used internal and external evidence to reach this decision.

They have also included the "linked cards" that where on my account?

 

I have no idea what the linked cards are.

Does anyone have any ideas?

 

I am about to send a new letter to Barclays advising them that I never received the letter dated November 2014,

can they please provide copies of all credit contracts between barclay card and myself

and also copies of all the evidence internal

and external that supports their case so that I can take this case to the next stage.

 

I would also like supporting evidence that shows me that the PPI was not missold.

 

I have advised that i will take the case to the BO.

 

Has anyone else had a similar situation?

Does anyone have any experience as what has happened once they get a letter asking for the supporting evidence?

Finally what linked cards?

 

Many Thanks

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SAR them. Otherwise theyll just fob you off. A sar compels them to provide ALL info they hold on you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sorry? What do you mean them?

 

 

Is my letter the equivelent to an SAR or do I need to do a new one?

 

Doh, see what you mean now.

 

Thank you I will send one of them as well.

 

Cheers

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Right, I have sent my letter and I have sent a SAR with a £10 postal order.

 

It was sent special delivery arrival today.

 

It seemed a bit more secure and serious :)

 

Does anyone have any experience with the same as me and have any timeline experiences?

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They have 40 days as the sar says!!!

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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Hi Pank,

just chuck my two-penneth in here.

 

I had the same thing regarding "linked cards" with Barclaycard.

Im currently awaiting a SAR pack to hopefully see what these cards actually are.

 

Now heres something to think about

- when I first applied online for a PPI refund they said I had paid £24.99 on an old Egg card as a one-off payment and consequently refunded me £187.

 

Ok I thought, not a brilliant result but not a bad one too.

 

However, one year later I got another cheque from them for £1087.00 with an apology for a miscalculation of the original PPI refund

 

. I cant wait to see what these "linked cards" are!

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Right, I have sent my letter and I have sent a SAR with a £10 postal order. It was sent special delivery arrival today. It seemed a bit more secure and serious :) Does anyone have any experience with the same as me and have any timeline experiences?

 

did you send a blank postal order? I am wondering if it needs to be addressed to anyone or if blank will do, thanks

 

Hi Pank,

just chuck my two-penneth in here.

 

I had the same thing regarding "linked cards" with Barclaycard.

Im currently awaiting a SAR pack to hopefully see what these cards actually are.

 

Now heres something to think about

- when I first applied online for a PPI refund they said I had paid £24.99 on an old Egg card as a one-off payment and consequently refunded me £187.

 

Ok I thought, not a brilliant result but not a bad one too.

However, one year later I got another cheque from them for £1087.00 with an apology for a miscalculation of the original PPI refund

. I cant wait to see what these "linked cards" are!

 

I believe linked cards include cards that expired as I had a letter confirming my policy and a linked card and through some digging found that it was just an expired card that links to the account

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did you send a blank postal order? I am wondering if it needs to be addressed to anyone or if blank will do, thanks

read the sar thread link

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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last sentence post 3 on the link

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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No it doesn't

Read it properly

If its going to a dca..

 

..its not

you put their name

 

you sign it!!

 

Simple logic surely???

 

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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  • 4 weeks later...

Hello,

 

Barclaycard are ignoring my questions in my letters and are just re sending letters they apparently sent me in 2014, which I have never received.

 

I have sent my SAR but this has not been acknowledged.

 

Do they acknowledge or should i just wait and see what happens until the 8 weeks?

 

If I do not receive anything in 8 weeks what would be my next step?

 

Many Thanks

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has the 40 days expired yet?

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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Barclaycards days are up and nothing has been received with regards to my letters or my SAR, they are ignoring me and resending letters from 2013 that I never received. What do I do now?

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simply ring and ask how you sar is doing

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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  • 2 weeks later...

Hello,

 

I rang Barclaycard PPI department this morning to ask of the progress on my SAR request.

 

He told me they can not give it to me and I would have to phone the Data Protection team.

 

I was told that they did not have a phone number for them only an address, yeah right!!

 

Does anyone have the number for me>

 

Has anyone else been fobbed off like this?

 

Any ideas of next action?

 

Found this and is sending an email, worth a try!

 

Privacy and Data Protection Manager Barclaycard Legal and Regulatory Compliance Dept LRC

Tel: 01604 835418 c/w 2500 5418

Mobile: 077755 47353

Fax: 01604 254150 c/w 2500 4510

email: Natalie.Page@barclaycard. co.uk

 

Has anyone got any ideas as to what i should no next?

 

Or how long should I wait to see if Natalie Page replies to me.

 

If she does not what should i do?

 

Has anyone else had this happen to them?

 

Can anyone help me please with some suggestions as i am at a loss now.:(

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What address did you send it to?

Have you moved since taking these cards out?

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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Answer post 21 then!!

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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Sorry DX100UK answer has just popped up.

I have been at the same address for the last 12 years and the previous letters they supposedly sent to me was sent to my current address.

 

I sent my request to

 

Barclaycard

Customer Relations Department

PO Box 9131

51 Saffron Road

Leicester

LE18 9DE

 

Help please :)

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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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Hello Again,

 

Thank you dx100uk. I emailed and contacted last week

Privacy and Data Protection Manager Barclaycard Legal and Regulatory Compliance Dept LRC

Tel: 01604 835418 c/w 2500 5418

Mobile: xxxxxxxxx

Fax: 01604 254150 c/w 2500 4510

email: XXXXXXXX@barclaycard. co.uk

 

 

I am still waiting for a reply pls see post 18.

Can someone give me any idea as to what I should now do?

My SAR was sent 55 Days go and I emailed Natalie page last week.

 

What is normally the next step?

 

Many Thanks

Edited by Andyorch
edited
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Use this - https://www.consumeractiongroup.co.uk/forum/showthread.php?387319-Failed-SAR-No-Reply-40-Days-Have-Expired-**Correct-as-at-October-2013**

 

A letter is what you need to send now. Get a free Cert of Posting at the PO when you send it.

 

:-)

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