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    • Get to the court as early as you can and see if there are any duty legals in attendance.  If there are then you should approach them and ask for their assistance - they can accompany you into the hearing and support your case.
    • I have just sent an email to the adjudicator that has dealt with this case. Just so I have some sort of paper trail, as suggested, and so we both know what is actually going on, because today it seems he has no idea what is going on. I also sent him a screenshot of the Barclays account on the Equifax site so he can see it is still delinquent.   Hi XXXXXXX.   There was some confusion today with regards to what Barclays have and haven't done and it's getting quite confusing so I want to clarify a few things.   On the 29th November, you emailed to let me know that Barclays have agreed with your solution and they would do the following.   Accept responsibility for the failed charge back and clear the amount they said I owed them, which was the charge back amount of £778.00 Pay £150 in compensation Make amendments to my credit file to reflect the fact that the debt amount had been cleared and the account is no longer delinquent Return the money I had in the bank account before any of this happened, which was £49.17  You said on the phone that they had failed to complete some of these actions.    They have completed none of these actions, they have done nothing of what you suggested, and what they agreed to do. None of the above has been done.   I have checked my Equifax credit file today, and I have attached a section of it which is the Barclays bank account. As you will see, they placed a delinquent notice on the account on the 30th May 2019. This is still there as of today. The delinquent account is in debit by £739. This is the charge back amount of £788, minus my own funds off £49.17, that I had in the account before they re-debited the charge back amount. So the charge back amount, minus my own funds leaves a debit balance of £739, this is as it is today.   You said in November, and again today, that they have already paid the £150 compensation. They have not. They did not pay that amount to me, and they have not taken it off the debt balance. They have not paid that £150 to me or the account.   They also have not returned my own money, which is the £49.17 that was in the account.   The CIFAS notice. This was placed on the account on the 30th May 2019. this is the exact day they closed the account and registered the delinquent account with Equifax. It is a CIFAS for 1st Party Fraud. They are saying I deliberately created a false charge back to obtain money from them fraudulently. As you now know, that did not happen because they admitted they made errors with the charge back I registered with them, but it is still there.   You made your decision at the end of November 2019, It is now 3 months later. They have done nothing. If they thought there was still an amount owing to them, which there is not, they should have either contacted you to let you know, or contacted me. They have done neither. So for the past 3 months I have had a delinquent account with Equifax for no reason, other than laziness on behalf of Barclays Bank.   I have also now had a CIFAS notice against my name for 9 months, for no reason whatsoever. This is an abuse of the CIFAS code of practice and extremely unfair on me. I have had no access to a bank account or a debit card for 9 months. Do you have any idea how difficult life is with none of these things, and none of this is my fault. It's the fault of Barclays Bank and its incompetent staff and for some reason they are still getting away with it and I really cannot understand how this is.   I hope this had made things clearer for you because whatever Barclays Bank are saying to you, it isn't correct. It sounds to me as if they really have no idea what they are talking about.   Best wishes.   XXXXXX.
    • Please read the following link and then copy the Q,s and your responses back here for further advice.    
    • The newspapers will be absolutely not interested at all. It's not a story that will attract them. Why do you need a solicitor? You can do it yourself for free
    • Highly appreciate this! Just incase it does not go the way I want, how do i get the papers involved, also what solicitors would you recommend?
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hi im new on here

i could do with some help regarding brighthouse

 

my marridge broke down 2 years ago and im not proud to say i had to use brighthouse for a tv fridge and washing machine

 

my weekly payments are £48.00

i took out the tv and washing machine in june 2016 and the fridge november 2016

 

i kept up with payments until september this year when my hours at work were cut by 50 hours pm

 

i contacted my store but they were very rude and would not lower my payments

as a result i am constantly in arrears

 

when i phone to make payment there is always a extra 12.00 added

 

today i had to pay 61.00

 

i have the osc and other insurance

 

can i claim this back

as i suffer with anxiety and the constant texts calls and visits every week are making me stressed

thankyou.

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yes you can reclaim the OSC/DLC from day one.

and if these £12 fees are penalty fees for being late/over then those as well

at THEIR int rate too.

 

STOP PHONING THEM

writing only from now on

and use BACS to pay them online too.


..

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hi dx thankyou

 

the 12.00 are penalty fees .

 

i was told i cannot pay by bacs

they had my card details but i cancelled my card and call the automated payment line

 

i have been reading the posts on here and do i send the letters to my store and head office

 

the calls and texts will start again tomorrow

 

what i paid today was for last saturday .

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You can pay by bacs. They cant stop you. You also dont have to pay their penalty charges.

 

If you have their bank details, pay by bacs, and use your agreement as a reference number. Then inform BH what you have done. If you get calls and texts, block them and send them to your providers spam number


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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oh dear

time to get reclaiming those fees

and the insurances

 

have you all the statements?

 

if you are ringing

how are you paying ..new card?

 

pop them in this

put BH apr in cell d15

 

CISheet v101.xls


..

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thankyou dx yes new card. i will get it all together and let you know the outcome thankyou feel a lot better about it now.

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just remember they have zero legal powers

esp their stupid agents

 

they are NOT BAILIFFS

so if you get some dirty mac brigade from them at the door

tell 'em to leave or you'll call police 101


..

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yes

i have the pleasure of him every week without fail

 

im currently setting up a debt management plan with step change

can brighthouse be added to this

 

i have been paying for my tv and washer for 18 months and will not give them back

 

with all the money i have paid ive probably paid the purchase price already .thanks

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Yes of course you can

 

And its more like 3 times over

 

What other debts have you

Its better to do the DMP yourself


..

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i have outstanding debt to provident and water rates

 

i was managing ok but when i lost 50 hours a month it really set me back

 

provident have let me do half payments for 6 weeks

but now want full again and i cant afford 60 per week .

 

its mainly the harrassment from brighthouse that stresses me

i will never ever use them again

they are like vultures and dont care

 

they were all smiley and happy when i used to go in store to pay

but as soon as i was in finacial trouble they changed

 

one woman staff member is really horrible

so i refuse to go in anymore.

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You TELL Provi what they'll get, they DO NOT dictate to you what you will pay, it doesn't work like that.

 

Do your own I&E form and work out what YOU can realistically afford to pay, if that's £1 a month then so be it.

 

Is it wast water or clean water rates you're having trouble with?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well you ignore them and do your own thing

there is really stuff all BH can do

they never goto court and never will

pay what you can COMFORTABLY pay when you can.

 

as for provi

same there too.

do you have a doorstep agent that comes?

water rates can get a CCJ and p'haps the most priority here

funnel your funds toward paying that off

drop ALL THE REST

to

 

send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

 

its in the debt collection section of the library


..

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thankyou my ex husband used to pay the water rates but stopped

i had it transferred into my name and got stuck with all the arrears

 

i owe about 1500

im currently paying 50 .00 per month.

 

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

im really trying to get myself straight but it seems a uphill struggle at the moment.

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text the doorstep agent too not to call anymore

you are dealing direct with provi

 

send those letters!!


..

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yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

Tell the 'agent' to stop calling you, if he persists then you will make a complaint of harassment to the local police and show them the evidence of his harassment.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have you checked your water providers web site to see if they have any schemes that help people with their water bills if they get into difficulty? United utilities have a scheme that matches pound for pound what you pay!

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your bank will have the details of where the money went when you paid by card so ask them.

 

They may have it all to hand undar a faster payments ref and if not you can set that up so you can pay by phone/internet/in branch without giving your details to Brighthouse

 

also agree with the other posters,

get your statements together and tally up all of the unlawful penalty charges

then let them know that you are now wise to all of this chicanery

 

you will be after a refund plus interest and dont care if it is the easy way or the hard way because the longer they delay it the more interest you will earn on the money!

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