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    • Hi all,   I had an Lloyds bank overdraft in 2019 with the overdraft amount being £1350 maxed out by December 2019. I had left the account alone for two/three months as the overdraft fees were basically ruining me(Adding to the £1350 overdraft), i then received a letter from Lloyds asking me to phone them regarding this debt (This was January 2020). I had phoned Lloyds and we went through an expenditure on the phone and the outcome was i was to make payment of £30 towards the debt for 6 months and then after the 6 months is up they would get in touch with me to discuss further options. (There was mention in January that after the 6 months there was a possibility of a loan to pay of the remaining balance and then you make payments against the loan for however many years/months you choose.) It is worth noting that whilst i was making these payments they seized all interest on my account.    I have made every payment since January and have gradually managed to reduce my overdraft down to £1200. My problem is that the bank have phoned as it now at that stage for re-discussion, they have asked me to go through another expenditure and i panicked and over estimated things to make it look like i had less income; not loads but i was in a deficit of -£47. Due to this they said they could not allow me to take out a loan as it would only mean i was borrowing more to pay of debt which they would not allow. It then got passed over to another team and he said that i only had two options. Take a one month break with all interest etc stopped and this will allow me to seek financial advice elsewhere, or they said they would default the payment and i can then pay the minimum i can afford but the default would stay on my credit file for 6 years. He mentioned that they wouldn't take any money of me to help clear the debt as i had a deficit of -£47 and that shows i financially cannot afford to do that option. I have looked at the effects a default can make to your credit file and it impacts it tremendously.   Lloyds asked me how i cover my expenses every month and i mentioned that my Grandparents help me out sometimes with cash flow. So the gentleman at Lloyd's suggested going away and asking my grandparents if they could contribute money to me to help aid in my debt. so that he could go back to the original team(I think collections team) and say she now has this ____ He is due to phone me on Thursday (Tomorrow). I can afford to contribute probably £50-£80 a month but it would mean cutting down on fuel and some other expenses.   Its worth noting that i have a credit card with Nationwide maxed to £1000 too and this will soon be at the stage where they charge interest and i cannot afford to clear this either. Is this worth writing to them about?   Is there anyone that can advise me on what to do to help me pay as little as i can and avoid the default PLEASE, any help is really REALLY appreciated.   Thank you all in advance.
    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
    • Ok,    I thought it may of helped as their DN stated 2 installments in arrears when it was issued on 10/2/17, but it would infact only have been 1 installment overdue 17/01/17.   I will keep to what I already know and stop over thinking further issues. 😁    
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a girl and a cat

Closing down a current account- Barclays

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I have £0 in Barclays current account, I have not used it for years, and I want to close it down.

I only kept it open  in the last 10 years to pay £1 monthly to them for a loan taken in 2007, now I have DRO and I don't need to pay them or communicate with them, because they are on the DRO, loan does not show on my account since 2014.

 

I'm unable to visit a branch, and the other option I see is to fill out a paper form and send my chequebook and cutup debit card and send to them by post. Is this safe?

Would you suggest to cancel my card over the phone first?

 

The form also requires a signature, is it safe to sign?

I will send recorded, although I have reservations... as not even sure if they are working and able to receive letters due to the covid...

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why did you take out a DRO for consumer credit debts that might not even be enforceable, esp if you are paying any debt collection agencies?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Because Barclays loan was for £12+K, they sent me the proof that I owe them (300+pages) and I am/was very distressed, could not mentally take it anymore, otherwise the right thing I know was to fight it.

I believe they gave me this loan irresponsibly, and it was unaffordable from the beginning,

 

pra recently sent me a letter that barclays asked them to arrange it with me, so maybe I had a good chance winning, too late now...,

 

receiving letters, phone calls from collection agencies +for other small credit card debts all from 2007 (most of them were not enforceable though as they could not show me any reasonable proof...).

 

Relatives I live with also very afraid and wanted me to make sure that no more letters come in saying I owe it etc...

I would not mentally cope if there were going to be court proceedings etc...

 

If I was stronger, I probably would have gone ahead with a dispute etc..

. I can't care less for credit score any longer, just need piece and quite, as it affects my well-being...

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well closing a bank account won't change that

 

about time you took the bull by the horns and put in an irresponsible lending complaint to barclays regarding the loan.

 

why do you think barclays sold it to pra...thats the very reason why.

 

and cancel being cash cowed by a DCa and cancel the dro now.

 

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I did not know about irresponsible lending until I already was issued with the dro.

 

A complaint for a loan from 2007, do you think this can be accepted by the Ombusman?

It was unsecured loan for £20K.

The only bank account I had then in my 20s was with Barclays and I had an income of about £200 a week going in to my personal account.

 

I applied online, 5 minutes application and never was asked to provide wages/tax returns or anything.

I received the money in my account within 24 hours and since then I only had problems... I was trying to pay every month and not able to live normal life... The money went for furniture after flooding, and a short while after that I left the property I was living in, leaving the furniture behind as the property was my boyfriend's.

 

..I defaulted in 2010 and since then never managed to be independent,

defaulted on credit cards to be able to pay the loan monthly amount etc...

Lived in other peoples homes as a nanny on a symbolic wage for a free room and food .

I was not able to rent because my credit score was bad...

 

Sometimes I would receive letters and everyday phone calls, lenders demanding money, and then some of the people I was living with would find out that I owe money and would ask me to leave, as they did not want to receive demanding letters to their address etc..

 

.I can't cope anymore with this way of living and being afraid...

Credit card debts not been paid for 5 years, but Barclays was paid £1 a month..

.I wish I realized earlier that I can dispute the loan with Barclays:

 

if this is possible at all...it was not a pay day loan and too old to dispute now (after 13 years) I guess...

I completely understand your suggestion, but this constant dispute with collection agencies and hearing about ccj's of other people and bailiffs, and the thought of this just killing me mentally...that's why I gave up the battle...

I do suggest though anyone who is in a similar position and had a chance not to give up!

 

I want to close the bank account because it is not of any use,

the day after the dro was issued they sent me a text saying that their correspondence to me has returned as undelivered and to update my address by calling them or going to a branch.

I have not received any correspondence from them!

 

I did receive a letter from PRA though telling me that Barc has asked them to recover the money on their behalf.

A member of my family who has a similar name as mine, opened the letter accidentally and as the property is hers she was very upset and afraid,

 

I took a pic of the letter but she took the letter away and returned it to the sender and wrote that I don;t live there,

so I guess pra told Barclays I no longer live there and they are trying tricks to get my new address,

 

I'm still at the address...

I don't want to hear from Barclays, and would not suggest Barclays as a bank to anyone,

so that's why I would like to close the account and if they continue to bother me I can make a complaint.

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cheers for the great block of text!!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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are you in the uk please?

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sorry, did not realize it might be a little difficult to read.

Yes, I live in England permanently, just on a short trip at the mo, attending a funeral...

 

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who's the useless people that recommended you do a pointless dro?

is this the only debt under the dro?
you need to cancel it NOW.

how old is it?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Nobody did, I did.

DRO is couple of months old...

Couple of credit cards cabot and pra + the loan with pra, saying that barc asked them to arrange it with me on their behalf, or something similar...

Why do you think DRO is so bad? What are the negatives?

 

In usual circumstances before the covid situation I would travel with families I worked for and their children for long holidays and family trips.

 

I am not always able to receive mail timely and it scares me that a ccj might be issued and I will not find out on time...

 

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pra do not chase debts for banks

they BUY debts for <10p=£1 then chase you for the full owed amount

 

as i said earlier..why do you think barclays sold it for a knockdown price?

to a powerless DCA... they are NOT BAILIFFS

and have 

ZERO legal powers on any consumer debt no matter what it's type.

 

you don't own a property and have no assets so a CCJ wouldn't have harmed you anyway

but that would be very unlikely on a debt subject to the dispute you've mentioned.

as for the cards, send them and PRA a CCA request debt you are blindly paying through the DRO 

and CANCEL the dro

99% of what you pay goes on the providers fees and not actually off the debt.

 

DRO's IVA's are always a bad idea as they turn consumer debt into a legally binding agreements ...

 

 

 

 

 

 

 

 

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dx,

Thanks for the great conversation and advice.

I will think about the options I have and will come back here if I make a different decision.

I'm going to close my barclays account anyway.

 

Does anyone know if the best idea is to cancel my debit card before posting it by post to barcl please?

 

Has anyone managed to close an account recently online without filling up forms and sending cheques and cards by post?

I find it odd to be required to send the card and also unused cheques by post, is this safe for the account holder?

 

dx, I guess Barclays sold the loan to them...

 

Although the letter from pra is written in a confusing manner, at least to me is confusing. I was left with the impression that they are collecting on behalf of barclays and no purchase of debt was mentioned.

 

Barclays has done this in the past, a collection agency (I believe) created by Barclays cdcs did the same.

They sent me letters etc..demanded money, but the payment still had to be done to the original barclays loan account and sort code,

 

then in a while (a few years) the statements of the payments to the loan started coming directly from barclays again like cdcs never existed and I saw the cdcs marked as unauthorised dangerous scam company on the FCA website.

..How bad...Barclays demanded money through their own collection agency which turns out to be unautorised...

 

Thanks again for you help.

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if a dca is merely chasing it will say our client xxx at the top

.Pra dont chase they buy debts

you've been had

cancel the DRO ..

 

as for the A/C

simply tell them by chat or their secure msg system on the online banking website you have shredded them.

 

but it wont remove the a/c from your file.

 

dx

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks dx.

I will explain to them that I shredded them already and see what they will say, otherwise will pay extra for recorded delivery.

 

I don't care about my credit file/score.

Although my credit file is clear since April 2014: no defaults, no collection agencies, loans or credit cards recorded.

Credit score 650 on credit karma.

 

I am not even sure where, when and how the DRO will appear on credit file, as nobody has been reporting my 'debts' since 2014.

 

I can only see the 2 current bank accounts at £0 on the credit files on both Experian and credit karma and nothing else recorded.

 

Thanks again, have a great evening!

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thats why the dro is pointless

your debts are obviously very historic and been defaulted more than 6yrs ago so can't ever now show.

 

you say you'd not paid anything in 5yrs..was it longer than that poss 6yrs...then they were already statute bared and you don't even owe anything.

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Not 6 years, just under 5 years, although loan paid to barcl £1 every month until last month.

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well you followed poor advice to keep paying £1PCM and running statute barring to infinity.

 

pers i'd cancel the DRO.

 

who says these debts are even enforceable?

did you send each owner a CCA request first??


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes, I have requested CCA's, Barc provided 300 pages, and they were the main issue, hence the dro.

 

I would not mentally cope to fight with barcl esp. if I have to deal with courts.

I am not familiar with law and unable to afford money for professional help if it goes to court.

 

They gave me the loan irresponsibly and therefore it was unaffordable from the beginning but unfortunately I don't think  I would have been able to proof this now, and I never knew that such option was available until recently.

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forgewt what barclays sent, thats immaterial now

its what PRA hold.

se have you sent PRA a CCA request

and a CCA request to the other owners of your other debts included in this DRO you blindly set up which you should cancel now.

 

you don't need solicitors and you don't need professional help

it's consumer credit and is simple civil law and regulations.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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If Barclays has the cca, pra can supply it also, as they request it from the original lenders?

 

The others: one provided one, the second one was not able to provide anything.

 

Surprisingly, so many organisations work from home nowdays and don't send paper documentation but collection agencies keep sending letters saying: It's time to pay, I think they are desperate...

 

I anyway stopped paying both 5 years ago.

 

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but you've just restarted paying them through your DRO?

or is barclays the only one in the DRO?

cancel it!

 

DCA's will send letters regardless

stuff and all they can do to you nor anyone

you have no assets.

 

send PRA a CCA request...

 

and when you get it back 

as with the other return you got

scan them to PDF so we can check them.

who said it was enforceable..not us!

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Posted (edited)

I have included them all in the dro, statue barred debts and unenforceable debts can also be included in a dro, as I explained and showed proof to the intermediary that they are old debts , this does not mean that I have agreed to pay the debt if dro is cancelled for some reason.

 

Even if I want to pay it I'm unable to do, due to lack of income...but I don't want to stay poor all my life, so one of the reasons that I applied for dro, is that I can start afresh once the dro has expired.

 

I will think about your suggestion, thanks for the offered help.

 

 

 

Edited by a girl and a cat

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pointless paying an SB'd debt, you nor a judge can't ever unbar it!!

waste of money.

 

once a debt falls of your credit file as the defaulted date has reached its 6th birthday

a debt can't harm your file and your future credit anymore

 

sorry but your intermediary want shooting!! and you need to get your moneyback on those SB debts you've paid him for!

 

all he is doing is pocketing that money as its not going off any debt as the debt does not exist..it is statute barred...you been had blind and cash cowed

not only by powerless DCA's but by people that are supposed to help you..

 

all because you worry about silly threat-o-grams.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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are you actually paying anything to anyone £PCM since this DRO, you shouldn't be??

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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