hi guys, hopefully i can get some help here. i had a 10k loan with Barclay back in 2001 which had ppi on it, at the time i was earning good wages in my job but unfortunately lost it. apparently my ppi wouldn't cover me because of the reason my work finished. therefore i could not pay it and went into arrears (id payed nearly 4k off by this point). i let it go however and ignored their letters for years until a bailiff turned up at my door to which i payed 2k to over the space of 8 months, (credit security ltd) stopped the payments when i heard they were under investigation via watchdog. now that money has apparently vanished into thin air, but that's another problem. its come to my attention that i could get my ppi back on what ive paid but heres the conundrum, i havnt heard from Barclays for years, i have however had 3 different debt collectors afpter me for the loan. but honestly the last letter i received was nearly 3 years ago now. also the debt is no longer showing on my credit file. should i apply to Barclays to get my ppi back on what i paid, or wud this be like kicking a hornets nest and they start chasing me again? any help would be much appreciated

i was paying direct debit so i have a statement from my bank showing when n how much was paid to them. i have stopped payments and wescott have vanished, not even contected me to ask y i have stopped the payments! what can i do?

hopw you guys can help me with a problem i got with ethis company! i woed my bank money from a loan which was differed! a rep from westcott came to my home n said i owed 'x' AMOUNT. so i agreed to pay £250 per month! i was paying it for 9 months when i recieved another letter from BMS saying that i also owed them money for the same debt from my bank! i was very confused by this so i rang up my back (barclays) and asked them what was goin on ! they told me that they had indeed sold my debt to westcott (never told me they sold it in the first place) and that they had discontinued dealing with them the same month that theor rep had come round my home n set up a replayment scheme with me! they also said that they had never recieved any correspondence with west cott to say i had started payin back the debt! i have tried ringing westcottn got no reply! i have sent them numerous letters and never recieved any response, its like thyve vanished into thin air! so what can i do? i mean ive basically given them £2250 for nothing? im still stuck with a debt and now got another debt collector after me! am i within my rights to demand my money back and how do i do this? also should i approach barclays and ask them what they were doin using a pathetic company like this? any help is greatly appreciated! :-|

ok guys had a reply from barclays today! pretty much a pointless letter saying they are sorry for what they have done and thanking me for telling them! they say they are goin to look into it and get back to me before the 14th of august! but i really want to get the ball rollin on getting my charges back so do i leave it and wait for them, or send the letter ive allready made stating i want my charges back?

i cant get hold of this other person! tried gettin a phonenumber off his address but nothing comes up! trying to do a good deed! lol!

maybe! but im not threatening them! i am mearly telling them what they have done wrong aint it?

ok so best thing to do is tell them about these statements b4 i send off the sar? maybe they may just offer them to me like in ur case manty? haha! so that letter template would be fine?

SAR? is that the initial letter asking for yours bank statements or the one demanding your charges back?

ok but y did they offer u these? did u put a letter forward asking for your charges back b4 or after u sent them a letter about the other persons statements?

so how did they then offer u ur charges back the monty? how did they know u were wanting to get them back?

wot do u mean mate? what number do i call? and what should i tell them?

i got my statements in with th other ones in the second envelope aswell as my postal order for £10 back! cover letter said that it was free of charge! lol! bargain!

hi again guys! just had me charges sent to me in 2 parts which i thought was strange! turns out that 3 quaters of the were someone elses statements! obviously i want to contact the person in question and tell him what barclays have done aswell as send his statements to him! how do i go about this!

just spoke to the national debtline! they said complain to barclays again! and also write to the collection agancy demanding my money back and if they dont then take them to court! haha! :o

who should i send that to tho? the bank or the collection agency?