im having fun with barclays atm with a loan him:is this izzitme101? me: yup thats me. him:ok im calling form barclays, you havent made a paymeny on your loan for 5 months. me: yeh has been a while aint it. him:yes im calling for payment now. me: aww thats a shame him:whys that? me:cos i aint got no money, tell you what, write to me and ill send you an i&e form. him:we dont need to write, we can do it on the phone. me:ok ill respond when you write, can i have your address to write to anyway please? him:you dont need it, we can talk on the phone me:ok ill wirte anyway i dont like phone agreements him in raised voice: you dont need to write me:yeh i do i got questions that need answering him:what questions? me:youll see when i send the letter, bye and hung up not a dca, but still chasing an alleged debt oh and i have the address, thats the tird time they refused to give me an adress on the phone to.

statute barred is from last payment, the dca will try to convince you its from the default date. You seemed to have been keeping a eye on you credit file, if you keep records of your checks on it, you should be able to easily prove it wasnt put on there when they say it was. This shoudl apply to everyone to, when you check your credit record, KEEP the results, you never know when someone will try to screw you by putting a default in a few years earlier.

it will if theyr still expecting you to pay the full balance after they have sold it. With a car, ts will allow value degradation of 1k, so if you bought the car for 5k, paid 2 back, let them reposses it, and they sold it for 4k, ts will say you owe nothing on the car. If they expect you to pay the remaining 3k, thats an entirely different matter. edit: numbers for example only of course.

have you still got the slip you keep with your records in your cheque book? if so first thing to do is go to your bank and ask them to check if it was cashed or not. If it was cashed, write back and tell them you have evidence they cashed it, and as far as your concerned the matter is closed, if they haven't cashed it, offer them the 300 quid you originally wrote the checque for, as its their own fault they didnt cash it. Dont ever talk to them over the phone again, and tell them everything must be in writing. I think theyd need a court order to reposess the car ubless you agree to, but im not entirely sure of that, hopefully someone will pop on to confirm.

ok, when you get a reply, if ever, and there is any discrepancy between what they sold it for, and what they say you owe, i would suggest trying ts first for it, as if theyr willing to do all the work, you can save yourself the hassle Have to admit though, black horse have been fairly solid with me, i bought a motorbike 14 months ago with a loan from them, and after i was made redundant they put all payments on hold until the insurance started paying out, always been polite and answered questions properly to. They also made it clear that if i was to sell the bike myself, i pay all i get for it to them, and i only pay the remaining balance, and they stop interest on it to. I was most suprised. edit: I know we all have problems with banks and loans ect, however do think that when someone is treating you fairly and decently it should be mentioned

shelbelle my brother is in the same situation with a car loan, when they repossesed it they would have sold it on again, did they ever tell you this, or are you still paying the full balance? Reason i ask is because if your still paying the full balance on the car, and they have sold it on, trading standards woudl be interested. Theyr currently telling my brother he is entitled to everything he has paid on it for the last 4 years, plus interest.

Take note, they will also ask why you didnt query it years ago, and theyll tell you thats why you get your statements to, tho im guessing more experienced caggers here can sort that out possibly

i had this problem several years ago, my normal, non fee paying account got changed without my permission. One polite letter to head office, pointing out i had never claimed anything or used any of the extras, and that i had never agreed to it, and i got all the monthly fees back, with an apology. Admittedly it was only 7 months of fees, but nevertheless, try a polite letter to head office first

hiya, scan a copy, blank out personal details, name address, acc number ect, then post it on here, and we can take a good look

From what i understand the dca is acting as an agent of talk talk, and therefore it was up to them to discuss a reduction if required. As an agent i believe they are responsible for their own mistakes to the original creditor.

It seems they are now under Barclays Marine Finance no suprise at the name, they are taking a bit of a dive this year

get onto trading standards straight away, i know they dont like that kind of thing.

im wondering if the change of name will reflect that to, as unless you told them at the time, they may claim they had to take all that time to find you again. Also, as the letter is not in your current name you could just return them all as not known at this adress

sounds to me like even if you check and find it wasn't included, they will be barred by limits of statute as well

elevated i suggest you contact ts myself. My brother is in a similar position with a car he had 5 years ago from yes car credit, they took the car back and demanded he still pay the full amount. After selling the car again for 4500, they sold my brothers debt to a dca. He spoke to ts this week, and they want all the paperwork from the dca, and they say he is due a full refund of everything he paid since the date they took the car back because they sold it for an amount that more than covered the debt. Ill keep you updated.

Thanks, ive already had some severe words for the dca on the phone, and theyr awaiting my expenditre records which ill post tommorow. I also made it clear to them that i would not respond to anything that isnt in writing, and i record all calls, haven't heard from them for a week now. When i get paid next wekk ill be sending 2 cca requests, for a loan and a bc. Strangely tho, i have had nothing about the loan since i stopped paying 6 months ago, thats with barclays, and mercers are being very passive with me from what ive read on here to. Anyways will get letters written and sent today for the charges i think, thanks.

Hi sent barclays a sar request just 7 days ago, and got the response today, from what ive read thats pretty fast for them. Its pretty simple and just for a current account which i didnt actually use very much. charges are only 500-115 refunded. Question is, i have 1200 overdraft which is in the hands of a dca at the moment, now i know i cant, and i have no intention of getting out of the overdraft, but can i request those charges be paid off the overdraft under the hardship waiver? As i am currrently on jsa with far to much going out and a dca thats already refused two offers of lowered repayment.

Im wondering if i can claim back both for charges, and request a signed copy of the agreement at the same time? Or should i get charges back first, and then ask for the agreement? Im kind of wondering because if i try to claim back the charges, can they say no because im claiming the agreement is unenforcable?

Watchdog has been pretty much as toothless as any other organisation sine annie left, im starting to wonder if she got shifted cos she got her teeth right into people. she genuinely embarrased people on there, and rightly so.