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Should I take them on ??


MCPR82
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Hi All - I 'joined' yesterday

 

Currently about £1,000 over my agreed overdraft limit with Barclays and as I am not able to reduce this amounts at this time - Barclays are threatening ‘further action’. Though they have not responded (other than standard letters) to my Income and Expenditure breakdown (first sent on 24 February) or my list of creditors. As I understand it my 'case' is being dealt with by the CDVS Team (whoever they are) - though I've not heard from them as yet.

 

Given I owe Barclays (and Barclaycard alas) money at the moment – would it be sensible to make a claim against them for excessive charging, or would that just compound my ‘problems’. :confused: I have opened a parachute account with HBOS :)

 

Any advice or thoughts from any one with similar experiences would be most welcome!

 

Thanks and good luck to you all.

 

MCPR

PS I have posted a similar thread on the NatWest forum page

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Thank You Dar3n :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Any Cues as to where the SAR letter goes anyone ??? :confused:

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Sent mine to the local branch, seemed to work fine (but took 5 weeks!)

 

Get your claim moving! If you're a grand over your agreed limit, I shudder to think how much they're taking from you in charges. 90 quid a month, is it? How much difference would getting all that back make to your overdraft!!

 

Best of luck,

 

David:) :)

  • Haha 1

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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Sent mine to the local branch, seemed to work fine (but took 5 weeks!)

 

Get your claim moving! If you're a grand over your agreed limit, I shudder to think how much they're taking from you in charges. 90 quid a month, is it? How much difference would getting all that back make to your overdraft!!

 

Best of luck,

 

David:) :)

 

 

Thanks David. If I'm sucessful if will reduce some (not all alas) of the overdraft - but it's a start!! They charge £35 a time for telling me I'm skint - Bless Em' :D

 

Anyone know if I can ask them for a cheque (to pay into my parachute account) ?? :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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I suspect they will clear it from you debt. And i think I would recommend this too, it does not look to good if you not try to reduce a debt. Just my thoughts..

If I have been of any use to you in my response please click my scales. :oops:

 

MBNA WON 16/3/07 £1700 :p

Barlcays N1 fileld in and awaiting funds to take them to court.

 

If you want to spend some of your money from your new spending saving scheme why not buy a flybook laptop. http://www.everythingflybook.com. I can highly recommend them.

Currently in Litagation with Barclays 11/5/7 ( Awaiting Court Date )

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I suspect they will clear it from you debt. And i think I would recommend this too, it does not look to good if you not try to reduce a debt. Just my thoughts..

 

 

Intercityman - My thoughts as well - but thanks for your input!! :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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SAR Letter sent Today via Recorded Delivery :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Another thought - Sorry Folks. Now I have sent my SAR to Barclays (and also Natwest and Barclaycard) am i right in thinking that as my accounts 'are in dispute' then interest and charges are frozen until such a time as the dispute is resolved (i.e. when they all pay me back what they owe) ??

 

Any help / advice gratefully received, as always.

 

Ta :-)

 

MCPR

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Just from personal experience this is not the case - they are still happily taking 90 quid a month off me.

 

Good luck with your claim though - you sound like a stand up fellow

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am i right in thinking that as my accounts 'are in dispute' then interest and charges are frozen until such a time as the dispute is resolved

afraid not matey, they will continue to charge you even after you win your case..

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Thanks Dar3n and crowe - I thought that prob would be the case - but always best to check these things. Good luck to you both as well !!

 

Clock is ticking as Barclays signed for my SAR letter on Monday (I have a print from the net of the signature as well) - So watch this space. :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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I think the only grace 'dispute' gives you is that they can't enter a default on your credit record.

 

they're still charging me too!

 

D.

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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