also got something on my S.A.R called "agency comm fee" for which they added a further £131 to what I owe... what is this? And is it claimable?

dear oh dear barclaycard... not even a sniffle towards my preliminary approach letter. diddly squat. Time for LBA (and I assume the schedule of charges + interest again) Will let you know if they get in touch soon or not

Right well they have finally sent the S.A.R through to me, looks very basic.. might be a good thing, make it easier to find everything i need. Also result... they have agreed to refund the £10 fee as a gesture of goodwill for the errors made by themselves ha ha, me thinks they are trying to keep me sweet. Now for a question... For the schedule list of charges do I use the same one I used for my barclaycard account? England - Advanced - Excel Also it's a whopping 29.9% interest they were charging me. . . he he he!

Right they responded saying they still couldnt locate the cheque and have requested i goto the bank and get a copy - the cheek! Then before i made my response a bulky letter arrived addressed to my dad (he actually wrote the original cheque on my behalf to bpf) and low and behold it was a SAR for his barclays ank account... they really have outdone themselves, obviously someone in one of their many departments has made a very major administrative cock up! i have now written to them informing them what has happened and given them, and i quote from my letter... "on this occasion, a further, and final seven (7) days in which to repond to my original request from the 08th March 2008" Hopefully this will get them to sort themselves out for me!

right prelim and schedule of charges to be sent in the morning finally figured it out lol.

thanks for that slick, right I'm usng the excel advanced calculation sheet, one query... what do I put as the "interest charged" (coloum G) which is set at 12.5 as default.

everyone will have noticed another increase at the pumps... and now the difference between unleaded and diesel is getting beyond silly. 110.9 per litre unleaded and 121.9 per litre diesel where I am! The reason for this is as of last week all fuel sold in this country as of last week must include a percentage of bio-fuel (exact amount escapes me now) and as the process of bio-fuels is lengthy and much less cost effective it has raised those prices up again... also the gap widening between unleaded and diesel is due to the fact that bio-diesel costs more to produce. Yet another way of making us pay! Why add bio-fuels? apparently less emmisions are released into our atmosphere, however the process overall is actually much much more pollution than regular unleaded/diesel - a bit of info for any green enthusiasts!

Ok received my request yesterday morning with statements all the way back to when I opened the account June 2003 Now my question is this... What charges can I deem as unlawful with a credit card, as from what i have read to date is slightly different to that of bank current accounts. And charges in more recent times of £12 - do we claim for these too? Interest - how does it work with a credit card account? This surely is very different?

Right well I sent a letter to the DCA on the 14th April 08 and a copy went along to BPF/CFS also with a letter to remind them they were approaching the deadline etc. I received a letter days later from BPF/CFS stating they had received the SAR but not my £10 cheque so they would not be able to go any further until they received trhis so I have checked with the back, the cheque has definatly been drawn against so I have responded informing them of this, also the details of the cheque (a/c number, cheque number etc) and reminded them that at this point they had breached the 40 day deadline. I have given them now a total of 7 days (letter dated with tomorrows date just to hold a minimum amount of fairness from my part) for them to respond fully with the disclosure before I take action initially through FOS. Lets see where this gets me.

ok i think i understand now. Basically when the account is in dispute, as is the case, then it is the creditor who is in breach and not the DCA, so therefor sending the proposed letter is to inform them of this and a copy to the original creditor (BPF/CFS) which just lets them know you're not gonna stand for this ****e

Hey Slick thanks for a swift response as always Just so that you are aware I have only received the one letter from Roxburghe (as posted above) so wuld this letter still apply as I assume BPF/CFS wouldn't have informed them that this account has actually been put into dispute.

Hey all again. Right an update - 08/03/08 S.A.R sent (with £10 cheque) to Barclays Parner Finance/Clydesdale Financial Services (BPF/CFS) 12/03/08 Letter to Nolans Solicitors informing them of account dispute and to postpone all action on the alleged debt 24/03/08 Letter received from BPF/CFS acknowledging my letter on the 12th to Nolans. Also advises me to send S.A.R with £10 ( as done 08/03/08 ) 29/03/08 Letter received from BPF/CFS letting me know they have instructed a "specialist debt recovery agency" to contact me with respect to the outstanding debt. 10/04/08 Letter received from the specialist recovery agency. (SEE BELOW!!!) --------------------------------------------------------------------------------------- ROXBURGHE DEBT COLLECTORS PO BOX 342 SURREY KT14 6YX Correspondence Address: Roxburghe House PO Box 342 Lavender Park Road West Byfleet Surrey KT14 6YX Roxburghe Reference: XXXXXXXX Your failure to respond in a satisfactory manner to all previous attempts at resolving this debt has led the above named client to pass your account to Roxburghe, a debt recovery specialist. You are now required to pay this debt IMMEDIATELY. It is a fact that a debtor should seek out his creditors and not the other way round. As a debt recovery specialist we are looking to work with you to settle this matter and would urge you to contact us so this can be achieved. Please note that in the absence of payment or any valid dispute we will pursue this matter - with or without your cooperation, and therefore it is in your own best interests to get in touch with us so we can resolve this debt without recourse to further action. Yours faithfully Jonathan Stock Debt Recovery Manager Roxburghe (UK) Limited Cheques MUST be made payable to ROXBURGHE (UK) LTD -------------------------------------------------------------------------------------------------------------------------- So there we are, As it stands BPF/CFS's 40 day timeline expires on the 17/04/08 so not long. What should I do now? From what I have read they are not too good at fulfilling their side of the S.A.R requirements Also what to do with reguard to this debt collection agency? It seems to me that BPF/CFS find it all well and good to swiftly contact solicitors and debt collection agencies and also send out their own standard letters and charges... maybe this is why they don't have any time to respond to my request... All input welcome as always.

Ahh hell sorry my mistake was looking through a few for where to place Vanquis and misread the forum itself in entirety. Sorry again.

Ok , have sent off S.A.R to VANQUIS so just gotta hold tight and wait, will update the thread as and when things start to happen

Ok , have sent off S.A.R to BC so just gotta hold tight and wait, will update the thread as and when things start to happen

No this was a letter from Barclays Partner Finance (Clydesdale FS) the letter Nolans sent is further up the postings, to which I responded already in the same manner as previous post Also for those who are interested NOLANS SOLICITORS is actually the step up within the collections dept for Clydesdale and a name that Barclays PF have obviously still kept for use on those accounts.

Well they have until the 17th of this month (am i correct?) With reguard to the type of charge the £22.50 well I received this letter today dated March 29th ----------------------------------------------------------------------- Dear Sir, We write to advise that we have now instructed a specialised Debt Recovery Agency who will be contacting you shortly in respect of the above account. We have added an administration charge of £22.50 to your outstanding balance to recover our cost for this letter. -----------------------------------------------------------------------

Hi Slick sorry no this isnt a Barclays bank account it is a finance agreement that was held with CLYDESDALE FINANCIAL SERVICES which is now called BARCLAYS PARTNER FINANCE. Don't know if my thread is in right place but I did originally have it wrong and this is where admin moved the whole thing to. Just to clarify sent a SAR off to them on 08/03/08 Today (02/04/08) recieved letter with another £22.50 charge on account for "admin costs"

OK so an update, received a letter today from the enlightened folk at NatWest Customer Response Services Unit. Letter dated 06/03/2008 "We acknowledge receipt of your complaint about bank charges. We believe that your complaint concerns the level, fairness or lawfulness of the charges. We believe the charges are fair, transparent and lawful." They then go on to infirm me about the test case and the storing of claims until after the case has been resolved etc etc and that if I persue the claim to court then it will be stayed by "the Master of the Rolls" and if not then alturnatively they will immediatly apply to the court for an order to stay action until the case and proceedings with the OFT has ben finalised. I have now decided to approach the FOS and lodge a formal complaint about how NatWest have, with complete disregard for my case of genuine hardship, continued on and stored my claim Let's see if that gets me any further? Possibly not but I think it's worth exploring each avenue. :-| Of course Natwest still have until the final date of 17/03/2008 to send me a positive resolution to my claim which we all knew they wouldn't do anyway so that's when they will certainly have a LBA heading towards them, pretty sharpish. Any further suggestions or ideas will be thoroughly considered Until my next posting.... Take care and enjoy yourselves!

Thanks very much Slick that is very helpful and will get onto it right away

All the county courts should still be hearing claims for crredit card claims against unlawful charges as they are not included in the test case for a "stay". It is apparent there is some confusion and some courts seem to be applying stays to these claims, the test case is for unlawful charges applied to current accounts (bank accounts) so if your credit card charge claim is stayed by your court then you can dispute this.

Thank you Is there anyway to to avoid them taking me to court? :-| Not really the route I want to end up going down? Think I saw a template somewhere on the forum for third party dealings when a debt is in dispute over charges etc, can't seem to find it now :? would that be the appropriate thing to send to NOLANS to inform them that current dealings are between me and "BarclaysPF/ClydesdaleFS" and until that is resolved for them to back down? As for an agreement... do you mean the original credit agreement? If so then no I haven't one as I took finance with them a few years ago now, and yes I know we are always told keep EVERYTHING, but I was young, nieve and possibly misguided when it came to finance, unfortunatly, and never thought, like most of us, I would be in this situation. What would the agreement benefit me with reguard to?

No idea how much I have been charged but I think it's safe to assume a fair bit, quite possibly more than I owe, but not 100% on that until I receive the information from them through the S.A.R Just taking a good look at the DCGs and wish to raise question with reguard to section 2.8 at k. Does this mean that as I have submitted a S.A.R that in basic terms; for a certainty of at least, from the date of my S.A.R, the 40 days in which they have to respond to the request, that neither they - BPF/CFS - nor their collectors - NOLANS - can persue collection during that tie period? Also under section 2.6 at point a. This is certainly true of them!!! and 2.6 at f. Nolans are certainly guilty of this right? £1261.65 over 4 months is £315.41, now are they taking the **** or just plain stupid? Surely me not paying them for a while and letting them know that I was unable to when they kept phoning and phoning and saying well surely you have £20 we can process off a credit card (lol the cheek of it!) and me again saying no I really don't even have that at the moment tells them that I am, as I already have told them in plain english terms, that I am in financial difficulty, so they continune to call and continue to send an almost subscribed weekly letter (which will apparently cost me £22.50 a time!!!!!) then instruct these NOLAN SOLICITORS to get the money by way of collectiing over 4 months. Erm not sure about this, tell me if I am wrong, If I cannot afford £20 to cover my ass then surely I'm right to think that it is nigh on impossible for me to pay £315 in 4 months of sucession!!! Just hope the S.A.R info shows that I am entitled to more than they want off me, realy stick the knife into them with a twist as they have me for so damn long now!

duplicated

OK this is an interesting one so will try your minds! Right well made the decision to persue BarclaysPF/ClydesdaleFS once and for all! So I have typed up my S.A.R and sent it, along with the maximum £10 fee, to the following address (hope its the right one): The Data Controller Barclaycard Loans (Clydesdale Financial Services Ltd) 1 Churchill Place London E14 5HP This was sent yesterday morning 08/03/2008 and came home only to find a nice letter in the post, talk about timing!!! Here is what it reads: --------------------------------------------------------------------------------------------------- http://www.scotdebt.co.uk NOLANS Solicitors incorporating Nolan Macleod Donaldson House 39 Donalson Street Glasgow G66 1XE LP 10 Kirkintilloch DX Box 500822 Our Ref:- SDN/CG Your Ref:- xxxxxxxxxxxx1764 email:- mail@nolmac.co.uk 07/03/2008 Dear Sirs, BARCLAYS PARTNER FINANCE -v- YOU OUTSTANDING SUM - £1,261.65 We have been instructed by our above named clients to seek payment from you in the sum of £1,261.65 being the balance due on your above account. Our instructions are that you have failed to make payment of four monthly instalments. A number of requests have been made to you for payment but these have met with no responce. Accordingly, we give you notice that unless you pay our clients all outstanding monies in fulfilment of your obligations to our clients within the next seven days, we may be instructed to take further action against you. YOU SHOULD NOT IGNOR THIS LETTER. PLEASE CONTACT OUR CLIENTS TO MAKE PAYMENT BY TELEPHONING:- 0870 010 0564 --------------------------------------------------------------------------------------------------- Right so to clarify: Solicitors (Nolans) letter received, dated 07/03/08 S.A.R (inc £10 cheque) sent 08/03/08 So what should I be doing in the meantime whilst waiting for my S.A.R details and did I send it to the right address in the first place (Note To ADMIN - If this thread is in the wrong subforum please relocate and let me know thanks) Hope someone can advise!!! Mr Magic-Panicking-Tongue :eek: