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    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
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Barclaycard took money from my Barclays account many years ago -now offering £75 compo....


usman330
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Hello all,

 

A good number of years back when I was a student I had a Barclaycard which I managed very poorly and managed to get into a big mess and stop paying.

Barclaycard were sending letters to a number of my student addresses and I didn’t keep track or open them apart from knowing I needed to get a grip of the situation.

 

I had a Barclays current account at the same time, and while the Barclaycard debt was ongoing my father sent me a sum of money to pay for my tuition fees and accommodation.

 

One day I noticed Barclays had taken the outstanding amount owed to Barclaycard from my account without consulting me…

this left me in all sorts of trouble at the time but the Barclaycard debt was paid as they took it themselves!

I still hate them to this day.

 

Fast forwards to today,

I no longer have a Barclaycard but still have a Barclays current account.

 

I received a letter saying:

‘Following a recent review of our operating procedures we have identified that for some customers who had fallen behind on their payments, we transferred funds from an alternative account which was in credit.

 

Our review revealed that we may not have contacted you before completing the transfer, or taken into account your personal circumstances when determining the amount to transfer. Please accept our apologies for this.

 

In recognition of the potential distress and inconvenience you may have suffered, as a result of the transfer, we are making a payment to you of £75.00 (the inconvenience payment).


It then goes on to say call them to get the £75.00.

 

Now,

knowing what Barclaycard are like,

I highly doubt they are just handing me £75.00 because they actually feel sorry,

rather I am guessing they may have done something incorrect….

 

Is there any legal basis that has come to light on taking money from my current account without my permission,

I would love to be able to claim back a much higher amount than the £75.00 they are offering but don’t know what steps I should be taking.

 

Im really grateful for any advice or help.

 

Many Thanks

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They have every right to in the T&Cs it would say about  - "Right To Offset" 

Have a read up on it. Highly unlikely that they would give you back what was owed - As its being offset against a debt. 

 

Take £75... Or raise a formal complaint and play ball with them. Likely to fail as they will use the RTO reason.

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Hi Usman,

 

Roughly how much did BC nab from the bank a/c to settle the BC debt, and when was this.

 

DX is right - BC and Barclays were within their rights to Offset in this way.

 

The only way to exact some revenge would be to reclaim from BC the penalty charges that were no doubt added to the a/c.

 

Do you have the old BC statements to check for penalty charges.

 

If you don't have the old statements but think there may have been a few or more penalties, send BC an SAR to get the data.

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Thankyou for the replies.

I have founds my Barclaycard folder and I did do a SAR from them a couple of years back when I was sorting out my credit files.

They took £850 out of my current account.

 

I have also gone through the statements they sent me through the SAR and I have totalled £460 in late payment charges excluding any interest that would be added on due to the late payment charges.

 

Im going to read up on how to take it forwards now, im not sure whether I should send them a letter or call them as per there £75 compensation letter.

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Hi Usman,

 

Stay off the phone and reply to the letter saying you will accept the £75 compo which can be paid into your bank a/c.

 

Don't sign  anything to agree that you accept the compo "in settlement of any or all claim against BC".

 

Don't do anything yet about reclaiming the charges. Do some reading on BC *WON*  threads here - https://www.consumeractiongroup.co.uk/forum/73-barclays-bcard-and-woolwich-successes/

 

Good threads to read through are :-

 

https://www.consumeractiongroup.co.uk/topic/384831-barclaycard-penalty-chgs-repaid-with-compound-int-defaults-removed-probably/

 

https://www.consumeractiongroup.co.uk/topic/380837-hp-mum-v-bc-reclaiming-penalties-and-compound-intt-won-probably/

 

Please confirm the month and year of the first and the last penalty charges.

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