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Link & mother's Barclays Bank account


Vampyra
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This is luckily not mine but is my mother's from her Barclays Bank account. It's around £1600 and even though they have been told she has had a stroke and has dementia and due to her age will not be in a posotion to repay this debt AND we had CAB try to ask them under the circumstances to write it off - they still persist.

 

They used to ring her and she was so confused - this is some years ago - she asked them to speak to me and gave them my name. They now phoning up asking for either her or me and even when I pretend to be a carer who is not part of the family, they try to leave messages asking me to ring them and even say "your ARE Vampyra, aren't you? We know you are responsible for this debt now!".

 

Well I know I'm not - but how can I stop them contacting mum and remove my details which I never gave them permission to process?

 

I also suspect this is getting close to being statute barred too - maybe still a couple of years to go. They constantly phone and write letters.

 

Any advice please?

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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That sounds awful. I had Mercers calling me and my OH from 8 o'clock in the morning until 9 at night. I sent them a harrassment letter (its in the templates) and they stopped for a while at least. Would sending a CCA request and/or SAR then give you the information get your name removed? Sorry I can't be any more helpful. Good luck x

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Trouble is BB - I can't CCA them as it is mum's account!

 

I can't ask them for anything because it really is against the DPA for them to supply me with any details. They never had written confirmation from me or mum to contact me or use my name so I cannot stop them very easily.

 

I am not mum's power of attorney so luckily I have no legal obligation to deal with it - but them using my name is completely against the DPA.

 

Catchleen, I might try it but just seeing if anyone else has any ideas.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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I see...

 

Is it possible to get your mum to sign a CCA request?

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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No she is not mentally capable and it would be considered fraud for me to get her to sign something she doesn't understand. Sorry it is Catch 22 with this - I am legally bound not to do anything iffy and once you start writing letters, as you know, you are continually writing more. If by some chance it went to court and they asked how mum wrote these letters when she is basically off the planet, it would fall in my lap and it's illegal to make her sign anything she isn't mentally capable of understanding.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Understood...

 

I really don't know what to suggest :confused:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I know it's a tricky one! :(

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Firstly try the harrasment by telephone letter. This should stop the calls. I would then CCA them for you, they won't have one (of course not your debt) and if they do send your Mums one out they will be breaking the data protection act and you will have proof they have done so (I wouldn't put this past them and it will make for a nice complaint). When the timelines expire for the CCA request you can demand them to remove your details from there systems.

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Ah yeah - good thinking Tritesse. Yes that'll catch them either way. Thank you. :)

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Do you sign the letter in her name ? as if they see a signed letter (typed or signed) from her they may feel that she is of sound mind and body....!!!! Just wondering how you name yourself - as in the letter writer) - somebody ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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They have my name and I will be asking why they ring me and to produce a CA showing they can harass me. As the credit agreement will not be in my name they have to prove they cannot harass me and if they send me mum's CA they have broken the DPA.

 

I'll give it a go!

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Not sure how it will work but surely can only give good results either way they will have to stop contacting you and if they send your Mums agreement then post on here and we can draft a complaint to the relavent parties. I know it's quite a drastic measure (one which i choose to take) but you can call BT and have your number changed at no charge.

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Guest Fallenangel

Hi vampyra...

 

I had LOADS of telephone hassle from LINK. When I put a written complaint in they told me they were a "telephone based company" and did not deal with "written communication"!!!...

 

When they rang it was always a private number, so i got bt to block all with held calls to my number. Well it took them a while but eventually they got thru that somehow and called revealing their "020" number.......they are determined £$%*#s !!!!!!!

 

Good luck with this, am subscribing cos its a DISCRACE how they go about things.

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