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    • as long as the letter is not entitled letter of/before claim' you are safe to ignore it...   however, have you moved since taking this card out and have not/did not since inform in writing to either MBNA or a DCA that you moved...thus they have from YOU notification of your correct address?   dx  
    • Mine does have a date on top right - 18th March. 
    • Hi there ,   Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection. The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.   I paid a few token payments for a while to various DCAs but then stopped 2012/13 trying to track for sure with bank .   They sent a second letter 22may with 7 day countdown saying they're going legal if arrangement not made.   If checked my credit file and there is no defaults present or dates so its dropped off but i don t know when.   My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.   Any advice as i am unsure how to approach this .   Thanks 
    • The company is gone,so like a deceased person who has capacity for OOT?
    • Could an out of time statement create a liability?   Surely at the moment they are pursuing the OP as director of the now dissolved company and they can only go after company assets. if the company is gone, the OP isn’t a director: so in what capacity do they plan to make an OOT statement? They aren’t a director anymore.   Would it be better to not make the OOT, and say “the company has gone, there are no assets remaining to enforce against, and any personal assets I have aren’t subject to any warrant of control you may have for company assets”
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

Barclays Amended Offer Still Not Received

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Hi All,


I am in need of some help/guidance.


In the process of buying a house. Our mortgage offer has been issued by Barclays. We had put an offer in back in June 2018 for X amount, which was accepted by the sellers and mortgage offer given based on X amount.


However, we negotiated a further reduction in the purchase price around July 4th 2018. A few days later, our mortgage advisor updated/filled in a form and sent it off to Barclays with new (lower) purchase price, and to issue an updated/amended offer.


Fast forward to today, we still have not received a thing. My solicitor has been chasing them over the past 2 weeks. Barclays have themselves admitted that its taken longer than their own 'policy' states, and every time he phoned, the adviser kept saying they will send an urgent request off to the relevant department to get this sent out. Apparently, the amended details have been entered onto the system, but no documents issued. We phoned them about 5 times, and still the same response from them.


I am going to phone them myself and get answers as I still have not done so. We have paid our deposit to our solicitor, contracts and other documents signed, but not exchanged with the other party until Barclays offer has been received.


The major worry for me is that the current sellers, had agreed with us to move out by September 14th, and they are permanently going to live abroad. This was not signed in any type of document as such, just verbal agreement.


Due to Barclays not acting fast enough, I am afraid we will lost out in buying the house.


Is there anything I can do to get this resolved? Should I complain to Barclays? FCA? etc


Many thanks in advance.



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Hi Jay,


Complaining by phone can be easy and fast but it may not get the results you need, in the time you need.


See here for contact details to lodge a formal urgent complaint to the CEO's office - https://www.consumeractiongroup.co.uk/forum/showthread.php?488621-Barclays-has-sent-me-someone-else-s-information-(statements-and-letters)&p=5134919&viewfull=1#post5134919


Complain by phone but record the call. Tell the bank staff you're recording the call and that you're lodging a formal complaint with the CEO's office because of the inexplicable delays and potential loss of the house you are trying to buy.


Keep the phone and/or written complaint as brief as possible - further detail can be furnished if and when needed. Just stick to the bare bones like date and brief description of event, discussion, etc.



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Thank you so much!

I will call them tomorrow as they are open until 1pm.

Will keep you posted on what happens.



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I did as advised over the weekend, and to my surprise I received the following reply:


"Thank you for your email addressed to our CEO, Jes Staley. I am responding to you on his behalf and I’m sorry you’ve had cause to complain. Rest assured that your complaint is being taken very seriously and has been passed to our dedicated Executive Complaints Team for investigation.


I am sorry to hear of the problems you have experienced. We will ensure a thorough review of the circumstances you outline is undertaken and arrange for you to be contacted with an update as quickly as possible but no later than 22 August."


I have asked that they pay for my solicitor's fees as a bare minimum for time wasting whether or not we purchase the property in question. Even today, I have not received their updated mortgage offer, so will wait until tomorrow before looking at alternate options.


I will keep you posted.


Many thanks,


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