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    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the settlement of arrears, it wasn’t clear to me that they would be treating and reporting this as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely that they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding this would go down as something different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. It also feels like Ive been penalised for speaking to customer services directly rather than just upping my payments on account to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating this to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. Thanks, J
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thats what they do add it to the balance.

dont move without informing your creditors 

NOSIA are std for every credit under the CCA. the owner/creditor must annually sent them. 

  • Like 1

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... 

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  • 1 month later...

Hi guys, 

letter from Drydens Fairfax following response to PAPLOC and request for documentation back in March.

They want me to register with their customer portal to view and download the documents, available for next month.

Is this unwise in any way?

Should I be requesting paper copies via post?

Can’t think that this has come up in any other posts or am I being overly cautious? 

thanks 
 

 

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ignore dont fall for their trap to get your email id.

 

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... 

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Share on other sites

On 12/02/2021 at 13:24, dx100uk said:

dont invite pointless letter tennis with pointless posturing

always best to re read your thread eh?

you've been here +2yrs and still are very basic questions ...shows you dont bother self helping as you should be.##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... 

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Share on other sites

Thank you.

I understand that and have seen it said many times, and since gratefully taking sound advice here have never communicated with them unless necessary.

I guess it was more whether requesting the documentation was useful to me going forward, rather than simply giving them a hoop to jump through.

But will ignore

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they'll have to send it at some point and if they do raise a court claim, they'll be compelled to send it at the disclosure stage if they intend to rely upon any document in their claim.

dx

  • Like 1

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... 

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Share on other sites

  • 4 months later...

i can...:pound:

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... 

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Share on other sites

again it shows you have not bothered to read up in the past.

a solicitor is only ever involved if their client are looking toward possible litigation.

dont move for 6yrs since last successful deferment or payment without informing them of your move in writing.

 

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... 

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I’ve read lots of these threads and I can’t recall that I’ve ever seen this specific communication.

I understand what you’re saying but I don’t know why they would advertise that (legally obliged to?) since they spend most of their time trying to put the wind up people, especially since it’s all part of the same operation.

Why not just keep people on their toes and keep them guessing? 

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they want and easy win by backdoor litigation more than anything on these all slc debts.

they lost arrows £100M's when they bought them and are under extreme pressure to get money in before 99% of them become dead under the age related rules.

they'll try every trick in the book to pull it off.

 

 

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... 

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