Jump to content


  • Tweets

  • Posts

    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 911 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, this is my first post on this site and I would like to thank you all for help and guidance I have recieved. This is my history so far;-

 

9th October sent 2 x DPA letters to Barclays Bank

9th October sent 2 x DPA letters to Barclaycard (only got reply on one)

9th October sent 14 day letter to Barclays requesting £1180 refunded

14th October recieved letter from Barclaycard stating files on microfiche "not readily accessable" Asked for £3 per statement

17th Octboer recieved 2 x lots of statements from Barclays

24th October issued small claim against Barclays (£1180 increased to £1482.75)

24th October sent 14 day letter to Barclays for refund of £3535.00

 

 

I will keep you all posted, thank you.

Link to post
Share on other sites
  • Replies 66
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Tony,

 

Please start your own thread in the Barclays Bank forum and use that to post any questions and progress reports.

 

Good luck with your claim.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

Hi, this is my first post on this site and I would like to thank you all for help and guidance I have recieved. This is my history so far;-

 

9th October sent 2 x Data Protection Act letters to Barclays Bank

9th October sent 2 x Data Protection Act letters to Barclaycard (only got reply on one)

9th October sent 14 day letter to Barclays requesting £1180 refunded

14th October recieved letter from Barclaycard stating files on microfiche "not readily accessable" Asked for £3 per statement

17th Octboer recieved 2 x lots of statements from Barclays

24th October issued small claim against Barclays (£1180 increased to £1482.75)

24th October sent 14 day letter to Barclays for refund of £3535.00

 

 

I will keep you all posted, thank you.

Link to post
Share on other sites

Ooops!! It appears I should have sent records of all charges along with the 14 day letters, this I didn't do. I have seen on other sites (penaltycharges.co.uk) that I should send copies of spreadsheets (dates & charges) to the bank and court to back up my claim, is this right?

Link to post
Share on other sites
  • 7 years later...

Back in 2007,

I took Barclays to court and won back all my fees.

 

However they were so long winded over finally caving in that some more fees were charged to my account.

 

I had started the process when the big 'hold' came into play.

 

After the banks finally winning their appeal,

 

I parted company with Barclays and moved to another bank.

the account has laid dormant all that time,

steadily increasing due to an O/D Protection fee coming out every month

and the interest added.

 

now I am going through all the statements and letters and about to write to them.

 

Ny qusetion is this,

 

Is an 'O/D' proection the same as a PPI?

 

It is now £24 per month but pror to about 2003 it was for £5.60 per month.

 

Can I go back to that and claim that as well?

 

Do I add interest of 8%.

Link to post
Share on other sites

yess to all you questions.

 

if you look at link I below

and the spreadsheet at the end

 

it should become clear.

 

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... 

Link to post
Share on other sites

Thank you so much for your help.

 

One other thing,

 

I am confused over this 'miss-selling' label,

 

I was never sold anything, it just appeared on my statements without any input from me,

 

I did query it in a phone conversation when I first noticed it and told them to take it off, that never happened.

 

I was also self employed which I understand this 'insurance' does not cover.

 

Also do you know if there's any update with bank charges or is that still hopeless?

Edited by romanytony
Link to post
Share on other sites

if you have a browse in this forum

 

you'll see there are successes with Barclays on PENALTY charges

 

the mis-selling, is the fact they didn't 'actually' sell it to you

they just added it without your permission.

 

so thus was 'missold' - they never consulted you.

 

slick132 will be around later I expect

 

and cross T & dot i's for you.

 

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... 

Link to post
Share on other sites

Hi RT,

 

Are you getting demands from Barclays about this a/c.

 

Is it showing on your CRA reports.

 

:-)

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 !:-)

Link to post
Share on other sites

Not getting any demands, haven't for years, they tried to chase the OD once but I pointed out that they owed me more than I owed them and they stopped. All I get is the statement. I haven't used the account for years but they add OD Protection and interest every month, almost £50 per month.

Edited by romanytony
Link to post
Share on other sites

They are crooks, and I think Barclays must be the worst.

 

On my old claim they kept telling me that I would not win,

their charges were fair,

and if I took it to court and lost they would claim legal fees from me.

 

Three days before the court date they phoned and offered (as a gesture of goodwill) full repayment of all charges, plus interest,

if I would agree to a confidentuallity clause. I refused,

 

told it was my money and would not accept any conditions and told them I would see them in court, then hung up.

 

I sweated for 15 minutes, I was playing poker with Barclays bank and the stake was over £6000!

 

They phoned back and agreed to everything, paid it straight back into my account and no clauses.

 

One other thing, which is ironic,

at the start of the proceedings Barclays bounced the cheque which I had made out to the Small Claims Court for their own summons!

 

It was a real shock when the High Court eventually came down in the banks favour over bank fees.

It had a nasty smell of someone being bought to me.

Link to post
Share on other sites

Hi RT,

 

You say no demands for years. Is this more than 6 years - if so the debt will be Statute Barred.

 

If you reclaim the OD Protection Fees plus simple 8% interest, would the reclaim amount exceed the present a/c balance ?

 

:-)

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 !:-)

Link to post
Share on other sites

The last letter I received from Barclays was June, 2008.

 

That was to inform me that my account was overdrawn.

 

Since then I have only received the monthly statements.

 

That would mean that it has just exceeded 6 years.

 

As far as I can see that is the last letter.

 

As for the fee's exceeding the overdraft, I have no idea yet,

If I can claim all the £5.60's as well as the £24.00 plus interest it may well exceed the balance.

 

A reply from dx100uk stated that a spreadsheet would be attached to his reply but I can't see it.

Link to post
Share on other sites

Could someone give advice on these issues please.

 

I wrote to Barclays back in 2008 stating that the account was overdrawn

but that overdraft figure was in dispute due to their charges.

 

I asked them to freeze the account until the matter could be resolved.

 

Since that time they have continued to add £24 per month OD Protection plus interest.

 

I have found an undated 'Termination Letter' from them,

however in the body of the text it gives a date of 2011 as a termination date.

 

I have read in forums here that you can only go back six years to reclaim PPI, so my question is this.

 

If the PPI was 'miss sold' (in my case it was just added to the account without my consent or input)

why cant I claim for the whole of the period?

 

I need to establish from what date I can work from,

 

second question is what spreadsheet should I use?

 

There are four that you have provided,

the first is for a 'one payment' fee, so which one of the other three do I use?

Link to post
Share on other sites

there is no time limit on PPI reclaims.

 

you either use the statint sheet

 

or if they have charged you interest on the PPI payments

the CISheet.

 

you need to input each PPI payment on the date it happened

on an individual new row.

 

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... 

Link to post
Share on other sites

as slick has advise

you use the statint sheet

 

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... 

Link to post
Share on other sites

When you've done that, let us know how the reclaim value compares with the a/c balance.

 

From what you say re dates, the a/c could be Statute Barred already, or should become SB'd soon.

 

:-)

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 !:-)

Link to post
Share on other sites

Now I have another question!

I am starting to use your spreadsheet and gone back to my earlyist records of O/D Protection fees.

 

I have gone from 1999 to 2006, and so far the balance is over £2200.

 

I have still to bring this upto date, so the end figure will be considerably more than this.

 

My question is this,

 

in 2006 my actual overdraft was less than the claim refund amount,

 

but I am getting 'Paid Referral' fee's of £30.

 

which I would not have had if the bank had not charged me O/D Proection.

 

Can I claim these Paid Referral fee's back?

Link to post
Share on other sites

OK, just completed my spreadsheet. PPI payments plus interest exceed £5200, more than my overdraft balance.

This figure does not include bank charges such as 'Paid Referrals' and interest on them.

Looking forward to your answer re these.

Link to post
Share on other sites
My question is this, in 2006 my actual overdraft was less than the claim refund amount, but I am getting 'Paid Referral' fee's of £30. which I would not have had if the bank had not charged me O/D Proection.

Can I claim these Paid Referral fee's back?

 

No, there is a six year cut-off before you can claim those overdraft and paid-referral fees unless "you allowed the charges to be taken by mistake." I don't know what that means. http://www.consumeractiongroup.co.uk/forum/showthread.php?415783-Which-one-of-these-could-be-unfair&p=4507145#post4507145

 

ppi has no cut-off point iirc.

Link to post
Share on other sites

Thanks gigs, I forgot about the 6 year cut-off.

 

So I cannot claim back bank fees that were added to my account over six years ago, right.

 

But the account was last used by me on the 18 Aug 2008,

six years ago,

and has not been used by me since then.

 

The balance at that date was £1600 O/D.

 

Does that 6 year cut-off apply to that amount?

 

Since 2008 the bank has added PPI and interest to the O/D balance, bringing the current balance to £4760.

 

My PPI claim comes to £5329.

 

My head hurts tryong to work it out!

Link to post
Share on other sites

post up your spread pkease

 

if the charges would not have been charged due to the PPI being taken off to that point [date]

 

then barclays should address them.

 

there is no timelimit on PPI

 

and Barclays do cough on charges outside 6yrs if a court claim is issued

 

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...