HI All I have just spoken with the Cardiff Civil Justic Centre, staff have been advised by the judge that all claims will now be Stayed until the result of the OFT test Case is known. I was in my final 14 days of a three and a half month wait! to say I am gutted for my mother is an understatement. I just wanted to confirm on here what I was told by the court as i had read on this site it was down to the individual court whether claims were heard.

Just had a quick look at the Lig section on the main Barclay site as you recommended and i can see the persons name who sent me the letter her name is Emma Thompson emma.thompson3@barclays.co.uk, so i will possibly speak with her!

Ok thanks for the advice i will give it a go cant do any harm!

I dont have the paper work to hand but im sure it does say somewhere who is dealing with this. The letter i got was i think from the Litigation department asking me to sign and send back if i accepted there offer, if not then to let them know in writing by fax, email or letter that i declined it, i just said thanks for the letter but i will be declining there offer, if they would like to come back to me with the full amount claimed being a full and final settlement (including court fees) then i would notify the courts, i only sent this email on Sunday!

I shall just makes me laugh, why do they think i would accept £172.40 when i've gone through all the trouble of claiming it through the courts etc, are they completely stupid, i think by sending out that letter they have just made themselves vaunerable as its now obvious to me they will chicken out! Roll on the 14th August....!

I used to get loads of rubbish calls on my mobile people calling and hanging up, people asking for personal details, they used to call all through the night, in the end i contacted my mobile phone provider and made them aware i was getting all these calls and they changed my number for free i am no carefull who i give my number out to but your mobil provider can definately change your number.

I filed my claim through the courts to claim back my charges from Barclaycard back in May this year, i recieved everything from the courts etc with my court date being the 14/08/07, in the post on Saturday 28/07 i got a letter from Barclaycard stating that the court date is fast approaching and did i want to accept a payment offer of £172.40 despite claiming £400.00 i was advised if i turnt the offer down that they would show this letter in court blah blah blah, i kindly sent an email back to Barclaycard saying see you in court....do you think they are running scared and will pay up?

14th August Cardiff Civil Justice Centre

Thanks, what would i right in my nudge letter, i know the likely hood of them going to court is slim as Nationwide paid up 1 week before!

I recently paid off a debt to Lowell that was orginaly with Capital One, as the amount i was paying back was more than the orginal credit limit on my card it was obvious it was made up of charges, i got all my statements directly from Cap One as Lowell just fobbed me off and i calculated what they had added on in charges, i then wrote to Cap One requesting money back in which they offered me a % of what i was claiming, i accepted it in part payment but they said that whilst they honour the payment i would have to contact DCA for the refund, i told them instead of that i will just claim the full amount back through the courts, at the end of the day although the debt was sold on the orginal agreement is with Cap One and will always remain with them!

I have been an Orange pay monthly customer for 6 years and mine has never shown on my credit file, I also had an O2 one years back that did show on my account but Orange for some reason doesnt i think it shows on there as usefull contacts/addresses but not for Account Information, might be worth you calling Experian etc to see why it doesnt show on there!

OrangePrimate, i think we got off on the wrong foot i apreciate your comments on my thread but i was a little annoyed that you jumped in on the defensive before u knew all the facts... 1. Direct Debit was due on the 25/06 it didnt go through i called and paid on the 26/06 one day later, advisor never told me DD would be re-submitted and taken 10 days later. 2. Recieved a letter on the 29/06 saying my DD had bounced (as i already knew) they would re-apply to my bank in 10 days time for the money. 3. Called them on 29/06 advised i'd paid by debit card on the 26/06, they confirmed said to contact bank and stop DD. 4. Called bank on 29/06 cancelled DD. 5. Called Orange on 04/07 to set up a knew DD, was told by advisor was already one set up, explained situation, advisor just said i'll reinstate this one, confirmed dates etc, next DD due out on 23/07, account all up to date. 6. Checked account on 06/07, Orange had taken out money by DD, again, spoke with advisor, would arrange refund would take 3-5 working days. 7. Double checked with advisor that next months DD had been set up and everything was ok for JULY'S payment, advisor tells me no DD on account, i apparently called in on the 04/07 to set one up then the 05/07 to cancel (as you said in your email you cant cancel a DD in that short notice) told advisor not possible, they had no answers, as far as she was concerned no DD on account depite me recieveing a letter confirming my call on the 04/07 and my new DD details (Hmmmmmmmmmmmm)!!! Advisor also told me that the 10 day re-appliying rule for a DD was rubbish, she said they re-apply on the same day then 2 days later! 8. Told advisor to leave it and sort out refund and i will just pay with card from now on....she confirmed at the end of the call no DD was set up but she would sort out refund. 9. 6 days later no refund was put back into my account it was taken off JULY'S bill, appplied to bank for an Indeminity which i got back. 10. Called bank on 15th DD for Orange set up on my account despite me triple checking with advisor that there wasn't one. I dont expect to have a refund from Orange now but please see this from my point of view i paid my bill for June by debit card and then Orange take it for a second time by direct debit 10 days later depite me calling and cancelling my DD, there would be no arrears on the account as i had already paid by card for this, the only thing that could possibly happen is that i would have to give Orange the money back they had refunded me as i'd done the Indeminity form. I asked on numerous occasions about my DD, being set up, that one minute there was one and the next there wasnt, as i said i had a confirmation letter from Orange that it had been set up and also the DD on my bank account but yet the advisor tells me different, i have never had problems with my DD before only this once, i have now decided to pay by debit card every month so there will be no more mishaps...!

I completed an Online Energywatch complaint, I rang powergen this afternoon, they were in reciept of this complaint from energywatch. Even up to this point of intervention they were assuring everything was fine. However it is now apparent that they have not backdated the Tarrif charges and rates back to the start, now this has been done....outstanding current balance is £200...but I am still not convinced by the amount. My confidence has completely gone in Powergen. I am hoping I will get some sort of conpensation now energywatch are involved and highlighted major errors. In the letter Energy watch have asked powergen to explain the following:- 1. Please demonstrate the accuracy of the account. 2. Please advise whether the consumer was billed for an incorrect tarriff 3. provide a breakdown of the charges on the account 4.Advise wheather the account has been rebilled from april 2006 onwards at the correct tariff. 5. address the level of customer service provided 6. address all issues raised by the consumer in attached complaint. OH...Within 10 days to!!

As you can see Orange Primate didnt get the full story therefore has made a complete idiot out of him/herself i suggest before you go on the defensive you get the facts straight, everything was done accordingly to what Orange suggested i do and i am totally in the right to get the money back from Orange it is now day 11 since this started and guess what still nothing from Orange so when you say i will get it back twice, i suggest you eat your words as i still have had nothing back despite them saying it takes 3-5 working days, i would not be in arrears with Orange as i paid June's bill on time and have had the bill for July which is due on the 23/07, so i'd love for you to tell me where the arrears come from when correct me if im wrong but the 23rd July hasnt been yet! Also if by chance (ha ha) Orange did credit me with the money i am owed i would send the money straight back by either calling them or sending a cheque there are some honest people in the world me being one, I've been an Orange customer for 6 years, i have never once denied the fact it was my fault initially but as you stated i probably didnt realise until a few weeks later, thats rubbish, my bill was due on the 25/06 i paid by debit card on the 26/06 it was them that are in the wrong....! I know what call centre staff are like i used to be one, not taring them all with the same brush i was being passed from pillar to post when all i wanted was money than had wrongfully taken off me, i also worked for a bank for 6 years so i know all about direct debits i know that it doesnt take 5-7 days as you state to cancel a DD it takes max of 3 working days (something else you were wrong about)! The fact is Orange took money without my permission and i wanted it back, my balance with Orange is nill at the mo so despite me asking for a refund they obviously have taken it off this months July's bill! Applogies if i sound a little annoyed but i put this thread on here to get some helpfull advise and all i got was a bit of abuse before all the facts were known!

Does anyone know how long Barclay Card take to pay up, i submitted my claim over 3 months ago i have got my court date set as the 14th August (due to the high amount they have been recieving) i was wondering what the likelyhood of them paying up before is?

Thanks for your comments Orange Primate. The initial Direct Debit did bounce correct, this wasnt allowed through by the bank. I rang the Orange 2 days later to pay the amount by card over the phone and duly did this. The agent that processed the payment advised to cancel the DD on the account, and then re set it up in a weeks time. I cancelled the DD using my online bank account. During this time I recieved a letter from Orange advising payment had not been recieved they would automatically retry within 10days! Now the Agent did not mention they would try again at the time of making my payment over the phone. Quoting your line "The majority of call centre staff DO know what they are doing, we DO know how to do it, we DO know the systems and time constraints involved" I would have to disagree. Anyway my direct debit was cancelled as far as i am concerned, and we rang back a few days later to re set up the DD..in the meantime yep you guessed it the same amount was deducted from my account yet again! When I rang up they had transfered this onto july's bill...without consulting me at anytime, when it is not due until 23rd July. On ringing orange they advised there was No active DD on my account! I had previously provided these details to another agent, I was now asked if I wanted to set a further DD up as the last one was cancelled! I said how can I set one up then cancel it within 24hours! it isnt humanly possible TO set up a dd and cancel it within 24hours. To date no refund has gone back onto my account from Orange, So I believe I did the right thing and complete the indemnity form at Halifax who put this back on account instantly. Orange, as are Powergen are very Incompetent at what they do and how they do it. Your Quote "But of course thats why we are there, too stupid and useless to do anything else" How right you are!

I have many points to raise, I have sent the letter off yesterday to their Nottingham address. I will see what they reply with and go from there. ON checking with them again today whether everything is now ok, and having my direct debit reduced eventually after being told they didnt have enough time to notify the bank of the amount change. I rang the bank they said they dont need to know the company has to do it. An agent eventually managed to do it "a back way" he described it as. I thought I would do a seach on Uswitch as a disgruntled customer. Needless to say Powergen could save me the most money!! on an online tarriff, I rang back and asked why I wasnt offered this at the beginning, they said "we dont actively promote this tarrif" as "we would be all out of a job" they switched me on to it, this afternoon I then get an answerphone message left to say I cant have it as I dont have Gas in my property. I rang again they said I couldnt have that one but I could go on an Electric Only online Tariff!! I have no confidence in this company at all!! I dont trust my bill in any way, even though now I can track and keep tabs online.

I see your point and im under the same impression as you i thought that you could have as many basic or any bank accounts as you liked didnt know if you already had a basic account that you couldn't have another one anyway how the hell would they know if you had one elsewhere as you said you dont have to declare it, i would say that you have been made to apply for this under deception, i used to work for a bank so i know that the workers get comission when people apply for accounts but not on basic accounts only one with credit facilities! Last year i wanted to open a savings account with HSBC bearing in mind this is an account that i would only be paying money in each month didnt have any access to it what so ever and they credit checked me for this a savings account i went mental as they didnt get my permission to do this.....i would suggest you definately appeal this with all the points you mention and as they never told you that you would be credit checked or that you feel you have been decived get them to remove the search from your credit file, i would do this all in writing so you have a copy, i have had searched removed from my file by contacting Experian and querying it! Anyone else that can give anymore info would be great!

Definately, you should tell them why would i pay you to claim my bank charges back when i can do it for free, this site is a great help and will get you started and guide you along every step of the way...dont let them bully you into anything!

The Basic Flex account is not as such designed for people with bad credt it is only designed for people that dont want any facilities with there account such as over draft and cheque book etc the account still lets you have DD and SO set up on the account it is basically a pay in take out account, you cant buy things on card etc, i used to have this account with Nationwide and i wanted to upgrade it as i'd had it since i was 16 and couldn't do anything with it, they said i would have to close this account and open a new one which i thought was fine but in did an application which they did a credit check on and i got declined even though i have a clear credit file, i think the way banks now open accounts they have to for some strange reason do credit checks on you which is rubbish because if you have a basic account like Nationwides where you cant go overdrawn, cant pay by card and cant write cheques why do a credit check, it is totally pathetic and i share your frustration its a bank account not a bl**dy credit card/loan, you used to be able to get a bank account anywhere but now days you cant. You do have the right to appeal against the decision and they could change there mind, my partner and i have just appealed to Halifax as they 2 turned us to down despite being a customer for 6 years to upgrade our account. Needless to say i am no longer with Nationwide and stung them for £2000 worth of bank charges which i won!

I've seen this done quite a few times there is a guys down the shopping centre where i live and he is always trying to get people to agree to sign up for this its a con as they say you will get everything back in 3 weeks but sucessfully claiming money back myself on numerous occasions i know it takes a hell of a lot longer than 3 weeks, they also take i think between 15% and 25% of what you get back which is a rip off, it dont even cost you that to do it yourself....i would steer clear of these people!

Is Skype the online phone? Is there a program that you would use to burn, or is it pop in a disc and burn the call straight on disc?

Has anyone had this happen to them....Orange have failed to repay a direct debit back into my account that they took twice, after the first rejected (oops my fault) I had paid by card over the phone, they then debited my account yet again so paying it twice, they took it themselves to pay this off onto Julys bill not due yet!! I rang and said i want it refunded. 3-5 days have passed and no refund. I completed a DD indeminity form with Halifax who put the amount straight back onto my account and they will get it back from orange. Needless to say I have sent a rather large complaint letter. Does anyone get the feeling out there that no matter who it is, ie Orange, Sky, Talk Talk, Anywhere that uses a call centre nobody knows what the hell they are doing!! And they are not capable of dealing with a query you always have to be transfered elsewhere. Your thoughts on this I would love hear and I hope I am not alone!!:?

We moved into a One bedroom apartment in April 2006, from new. The electric was provided by powergen. They had set the account up at £40 on DD which was fine. THen the bills started coming in. Recently my Direct Debit was increased to £148 pound per month which they agreed to reduce to £108 for a year repayment to clear the arrears. I had paid around £450 in the time I had been there, and they were saying I had arrears of another £400!! I couldnt not believe it. There just had to be a mistake. At that time I had no access to the electric meter cupboard. THey were adament that they had made no mistake, the systems were correct and meter was read and it was basically my "High" usage. I Still didnt believe this for a second but had no way to prove otherwise. Until I spoke to the managing agent and was given the code to access the meters, on providing the rate 1 and rate 2 (day and Night Economy 7) readings they umm'd and rr'd the agent said there may be a problem! I was transfered to the timings department....who rang me back and also denied there was any wrongdoing on there part, and if anything my bill should go up! I was then transfered to a nice lady in the consumption Department who took control went into great detail about what appliances we had in the apartment and who how often we used those applicances. I gave her the readings i had given her colleague (Which she never passed on) she went to input...when she recognised a problem on checking further she stated we were on General Billing 1 Rate not Economy 7 2 rate tariff. It would appear my bill is going to be slashed in price! I am not happy and have written a complaint letter to there office in Nottingham where I expect a response in 14 days explaining there failures..compenastion for the way I have been treated in the whole matter. What do you think my chances are of getting anything Consumer Forum Reader?

Yeah this used to be the case, when applying for credit it used to go on the property you were living in but caused so many problems with people that had really good credit rating that they decided to record the information against the person applying for it, so now there is no getting away with it no matter where you live as its your name they hold details on more so than the related address.