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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 

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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Danmarton v's Barclaycard credit card need help please

danmarton

By danmarton
in Barclaycard

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danmarton

danmarton

Posted
Posted

Hi All

 

I have been having a right fight with Barclaycard credit card. It took months to get all my statements. Finally I received them all.

I sent my pre lim, plus the LBA.

The credit card was still an open account, but I wasn't using it, as we got a secured loan to pay off all our debt including this card, so the balance was zero.

My LBA was for £390 and Barclaycard have refund £64 back onto the credit card, so I am now £64 in credit.

I wrote to them, saying this was not acceptable, that the amount I requested was £390, and any money due to me, I required by cheque, not paid onto the credit card. I received a letter back, same old bumf.... sorry you are not happy blah blah blah, but our decision remains the same.

 

So now I am in a position where, I have £64 stuck in an account I don't use and don't know the pin number of the card to get it out, and they won't budge! And haven't even acknowledge the fact that I said I want payment by cheque, not into that account.

 

With the money sitting there in the account, it looks like I have accepted it as payment, which I haven't! SO any advice on what to do now?

 

Thanks in advance for any help

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danmarton

danmarton

Posted
  • Author
Posted

On and forgot to ask, I have been writing to

Barclaycard

Customer Relationship Unit

Barclaycard House

Massey Road

Stockton on Tees

TS17 6EX

 

Is this the correct address to write too?

Thanks

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Paintball

Paintball

Posted
Posted

No, they won't budge until you start a claim against them. They have decided how much you will be refunded and you don't agree so you should now write to them declining their offer and telling them to remove the refund from your account. Also say that you will be pursuing them in court for the full amount and will only settle for the full and final amount, £390.

 

Does this amount include interest? If not, you could add this at your N1 stage.

 

Good luck, you wil get your money back ;)

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danmarton

danmarton

Posted
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Posted

Thanks for that Paintball your help is much appreciated, thats cleared a few things up for me. I have already included the interest in that amount. I know its not a huge claim, but to me £390 is a lot of money!

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lesleyjane

lesleyjane

Posted
Posted

DANMARTON -Barclaycard did the sme thing to me wit an old account that had been closed about 18 months ago. They paid £94 into it without telling me. I rang customer services , explained what had happened and they transferred it straight ito my current account - all I had to tell them was my current account no. and my sort code.

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Paintball

Paintball

Posted
Posted
DANMARTON -Barclaycard did the sme thing to me wit an old account that had been closed about 18 months ago. They paid £94 into it without telling me. I rang customer services , explained what had happened and they transferred it straight ito my current account - all I had to tell them was my current account no. and my sort code.

 

 

Dan

Just to clarify, I feel it important to keep your claim whole and issue a claim for the full £390. Accepting part payment may jeopardise your claim so a rejection letter is important at this stage with the clear statment that you are pursuing the whole amount. HTH :)

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pjdavies2000

pjdavies2000

Posted
Posted

Agree with Paintball on above.

 

Plus, when the claim is settled, they will again pay it into the ccard account - fine, let them, THEN close it!

 

Also, make sure you ask for ALL defaults to be removed, clever paintball has had hers lifted I have just seen!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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danmarton

danmarton

Posted
  • Author
Posted
Yep, mine is for just a bit more than that and they really do waste time and money delaying giving us our money back ... each day the interest goes up;)

 

Yea you would think they would settle early! so the interest can't go up any more!

 

Got another question, do you think it is advisable, to after telling them to take the money back off the card, to close the account, so they can't put anything back on there? So they have to send me the money?

 

Or will they just put it back on the card as the did to LesleyJane even though the account was closed!

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Paintball

Paintball

Posted
Posted
Yea you would think they would settle early! so the interest can't go up any more!

 

Got another question, do you think it is advisable, to after telling them to take the money back off the card, to close the account, so they can't put anything back on there? So they have to send me the money?

 

Or will they just put it back on the card as the did to LesleyJane even though the account was closed!

 

Address: London seems OK; I closed my CapOne card before I filed my claim as a) I no longer wanted any scabby old credit card company taking my money for free and b) in order to receive a cheque payment.

;)

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pjdavies2000

pjdavies2000

Posted
Posted

Hi

 

The address is:

 

Barclays Bank PLC

1 Churchill Place

London

E14 5HP

 

This is their REGISTERED address, and so is who you are claiming against. Barclayscard is a trading name registered under the Barclays company.

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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Paintball

Paintball

Posted
Posted
Thanks Paintball, you have been wonderful! I really appreciate your help!:)

 

I'm in the process of using your letter (although modified) with late payment marker removals with four companies - phew :p

Hope this is OK with you ...

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