It is payable to me, but says 6 months, I guess then its just hamster feed now, wasnt sure if they could go back to PO

Hy note sure if this is right place, I found a uncashed PO for me £10.00 , is it still valid [not for cashing as out of date] but can i send to PO for the £10, or has it just died away in the ether many thanks

Thanks for reply I know its late. No PPI, assets I rent so no property have car but need that for self employed work I guess my mane concern is whay have I heard nothing from Barclaycard for over 15 mths and today a letter from MKDP do I start the provingf debt thing or send budget and offer?

Hello, come across your thread. I have a Barclaycard debt £6,200 approx. I had not heard from them for over a year, but less than 6 I think? Last corespondance was that Intrem Justitia who had been taking my small payments, satted that i was no longer to pay them, that they were no longer in charge of debt, passed back to Barclaycard. If I remember at the time, I had just undergone/recovering from open heart surgery, sent letters to Barclaycard with a £10 PO, some papers were sent back as well as teh PO stating not recognisedat address? , which is odd since Intrum adn Barclays had sent me papers at address to start with? Anyway i had not heard anything from anyone at all for at least a 15months Mother died last year of cancer being self employed spent a long time dealing with this so income is well down. To the point; Today recieved letter from MKDP - advising me they are now the A/C and debt legal owners? Also recieved from Barclaycard that they have assigned and transfered A/c debt to MKDP LLP. MKDP LLP has appointed MK Rapid Recoveries as there servicing agents all corespondance should now be sent to MKRapid recoveries. Ok 1] What d I do, contact them and offer to pay what I can, sending budget sheet, about £5 to £10 is alkl I can manage a month. 2] or Contact CCCS and go for a Inslovency or DROrder? can you help with this please as i am nearly 60 now, dont want any more stress many thanks

hy so what barcyacard sent see my post above, the photocopies of an agreement which is blank totally, isnt my true agreement? as I am at a loss now and not feeling so well so am flagging a bit thanks

Hy Please Help; I received the following; 1] Letter from NCO saying wait 7-10days for a reply regarding CRA request 2] my original; SAR and £10 Po from Barclaycard saying that the address on file is not that I quote, yet I have correspondence from them at my new address 3] Received today? From Barclaycard- "i write further to your letter requesting a copy of your executed agreement....... Ref- Section 78 of the CCA 1974 Please find enclosed a copy of your latest executed agreement...... However, interest rates have been omitted. fees and charges have been suspended and are no longer applicable.....as your account is now in a recovery programme......This completes our obligation to you under section 78 of the CCA 1974." Odd since Barclaycard added £400 of interest from april to sept this year? They sent 3 pages photocopies; Page 1 - Blank has just "1994" Page 2 - Barclaycard Conditions Of Use- all the jargon Page 3 - Application[A very poor copy mostly black Name, Address, Work, Home etc are all blank, Date & Sig are also Blank? How do I know what charges, payments etc and balance is if they dont provide me? I will send SAR, but what is this copy that they have sent me? can anyone help, have they failed in providing me with a true copy and can I disput this now many thanks

Hy I did a letter last night to send today, stating that they had contacted me before and NCO had also, I also found on the computer the letter May 2008, sent to Barclaycard Northampton, explaining I can only aford £16 per month, and at that time it was with Mercers/ also had to move and not to send any letters to old address. I have redated the SAR for the 10 Nov, am returning original SAR request and £10 postal ordre and that I will accept no further excuses as to why I cant have my information/ I will write to NCO as they have long past there 14 days; It now seems acording to NCO letter recieved yesterday that the balance is £6200+, yet Barclaycard say £6,400+ and yet another total from September is not even showing payments I made, so I have no idea of the following; 1]Actual balance owed? 2] I asked for interest to be stoopeed, I dont think it has? 3]No idea of any monthgly charges made by Barclaycard over 18 months? any idea what I do now, also FOS are looking into my complaint that Barclaycard took £699 from my a/c which was towards rent money many thanks

But If Barclaycard had sent me corespondance before here to me and also NCO ther dca have been sending letters here, how can the Barclaycard say they havnt got my new address? or shall I have to start all over again, yet NCO have been sending letters to me about debt payments for the last 6 months or more?

hy PGH7447 please look at my details as I already sent RSA request to barclaycard and they sent my leter back saying address isnt what they have on there records many thanks

Hy Im sorry i dont know where I am with my threads etc. Im not feeling well either, recovering from open heart surgery? 1] Sent NCO a CRA with £1 PO on, saying that they had 14 days to reply; I recieved a letter from NCO on; They said I hadnt sent the £1 PO and I should send £1 to cover payment and that they would send details I originally requested. I then sent a stern letter to NCO on; in which I high lighted my original request and sent proof that £1 Po had been sent. Today 10th November I recieved reply from NCO, who say the following; NCO are in recipet of my cvorespondance, which they recieved in there office on 2nd nov and that they will fully investigate my concerns. My letter passed to Barclaycard for there attention and asked me to allow 7 - 10 days from the date of there letter in order for them to respond, if I still havnt recieved credit agreement then i have to contact NCO so they can contact Barclaycard Now on to SRA I sent a SRA to barclaycard last week enclosing £10 PO Today I recieved my original request letter, with PO attatched and a date stamp of Barclaycrad Teeside 6 Nov 2009 on letter and Barcyalcard OFT Support stamped 11 Nov 2009. They attatched a complement slip and say; "address quoated is different to that held by us. If recently moved please contact customer suport" and this is it????????? I moved over 18 months ago, I sent change of adress letter and loads of other letters with no response, but NCO who i am paying £16 per month to, know that my curent address is my contact address. Also Barclaycard sent a letter for my partner to sign so they can discuss my details with them and this was sent to me to complete at my curent address. So how Ido I sort out all this mess, can anyone help please as I want to get my reply sent tomorow asap, many thanks.

Hy Just an update; 1] Sent Barclaycard a RSA request enclosed £10 PO so am waiting for reply 2] Sent another letter to NCO stating I had sent £1 PO, sent them photocopy of receipt, as they said they never received it, I politely reminded them that they have only a few days to reply to my original request, which was sent on 20th October 2009. What do I do now? if they haven't sent the information. 3] received form from FOS, regarding the money (£699) Barclaycard took which was for rent. Am claiming for this money back. The outstanding balance owed of about £6,200 to £6,400+ is still unclear, NCO say one figure, Barclaycard are saying another. I actually have no idea other than recent letters saying what was owed, how much paid over the last 18 months, any help on this please, many thanks, Can anyone spend some time mentoring me with these problems as I dont want to get it wrong many thanks

hy congrats. let me know what hapens now, as I may be in same state with NCO/Barclaycard? what hapens to your debt now/payments etc? many thanks

Yes they have my letter, as they replied to it asking me to send £1 as I didnt enclose it. Royal Mail say that there is no signature as they still cant track the item> I have recorded delivery and postal order reiepts, It isnt cashed yet? I have to wait 15 days for th Po to be decalred as lost???????? I have to send a P58 form to royal mail in the meantime I have the NCO to sort with my 14 days nearly at an end for the CSA hy 2Grumpy, many thanks I will do that and also throw in, if they say they havnt got it, I think someone nicked and report to police?

Hy i have spent some time with the Postal Order department, they cant realy help? dont class it missing untill 15 days and would cost me more to claim a refund? I spoke to Royal Mail the recorded letter sent to NCO on 20/10/09 shows as progressing through system no signature? However NCO has recieved it because they replied to it and said I hadnt enclosed the £1 PO, Royal Mail said I have to fill out a P58 form????? so, where does that leave me? Do I send another letter, saying that I had already sent £1 PO, you lost it or as I know I sent it, say to NCO Ill asume it was stolen and contact the police that I think someone took it at NCO? and 14 days are up on the 5th Novemebr and they havnt sent me the CRA stuff they are suposed to and enter it as formal dispute??????? OR Do I send, as above, but enclose another £1 PO and start again with another 14 days Also I have a £10 PO for Barclays for RSA, will I have same problems, what is the best way to avoid this situation many thanks pulling my hair out and frothing at the mouth??? I need a bottle of valium?

Hy I just rang the 01246 542 500 nomber regarding missing PO They said I have to wait 15 days before they class it as missing-it isnt cashed at present? NCO states in the letter they recieved by Recorded delivery That I didnt send PO, Postal Order department says i would have to claim the PO which would cost me more for £1? Should I send another Postal Order to NCO, it was crossed but no name Or should I tell NCO that I still have my 14 days for them to comply with my request, anyone help asap please as the 14 days will run out soon thanks PS I will send letter to NCO and state that they have lost my PO or report to police as theft? NCO said they have my CRA request letter but I didnt enclose payment of £1, I did a PO of which I kept the reciept, I contacted the PO Office, very useful telephone number, It hasnt been cashed, its not considered lost till 15 days? It was crossed but I didnt put a name on it, Do I leave it blank or put NCO name on PO, also how do I insist that they honour the 14 days. I will send a letter to NCO and re afirm my initial request and also to ask them why the PO is missing, also I will sugest I report it to police as possible theft on NCO part, as there are two peopl, one who is the Post Office Clerk who saw me put the PO in with letter and sealed it. Then it was recorded delivery. 14 days is ticking away, what do I do please?

If it hasnt been cashed, what do I do: It was sent, as they recieved the letter, do I send another one? as there is no name on it, how is it secure? Do I still get the 14 days or do I have to send another letter for another 14 days? many thnaks

Hy I received a letter today dated 22nd Oct from NCO - Collections manager they state;...." We acknowledge receipt of your correspondence received on 22nd October 2009, requesting.....copy of your credit agreement......."I sent a letter with a £1 postal order - crossed with no name? I have the slip of the PO and copy of letter? They say;"...................we have not received a fee of £1.00.............."In other words I have to send another £1.00 with another letter. They received the letter it was recorded, the postal order was put inside with letter, how can they say they don't have po. What do I do, can I call the police to say that someone at NCO has taken the PO or do I send another PO who is the Po made out to as I left the name blank? Help please

Hy wow Angry Cat, thanks for reply with info, not sure what Ill do with it, I will print it off so I can read. The debt is a Barclaycard Debt - not a fixed loan type? also, over 18 months or more, there has been no statement of balance or interest or any recieved payments other than a letter from NCO April saying £6200 is owed, pay up or else type, I again contacte dthem to say that the £16 per month had been agreed and payments made, then in Sept this year a letter saying, £6,600 was owed and Barclaycard had added interest on this a/c from april 2009 I CSA sent to NCO and a RSA sent to Narclaycard with appropriate fees enclosed is this any more help

Thanks DX100 everything is getting on top, as partner has had open heart surgery in april 2009 and is recovering, this is who I am fighting this problem. I have a letter drafted - headed Formal complaint, will send it to recovery dept liverpool, I guess. they havnt replied to my last letter requesting the full £699 back nad explaining that partner has had pen heart surgery and isnt well enough at present. They put £275 into his a/c only. I had him take it out and put into another a/c. content of my letter includes, extracts and quotes that highlight ; Priority debts being rent and non priority being card debt. also £16 per month i said is all he can afford to NCO why the balance jumped from £6200 in april 2009 to £6600 now he has no writen or otherwise statement, payments or balance? dont even get a reciept for the payments I have just paid him? also I will highlight aspects of the banking code in relation to this complaint finaly I said if I didnt get a reply/ the rest of the £699 they took wihtin 10 days I will complain to the FOS not sure what else I can do PS £10 & £1 payments for CCA and the other one, who is the chq or postal order made payable to, or do I leave it blank many thanks will keep you posted in case I can be of help to anyone? PS well PPS- I have kept all dates, copies notes of telephone calls and letters etc over the last 18 months concerning Barclaycard & NCO & RMA and previous DCA Leter replies from Barclaycard = 0 Recovery Department Barclaycard House Norwich Way Liverpool L32 8UY Ref; Data Protection Act 1988 - Subject Access Request Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: 0000000000000 I would be most grateful if you would please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note, in addition to this, that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10.00, which is not to be used for any other reason than the Fee required as described as the Statutory maximum for this request.. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name] 　 I have put my full address, a/c no etc on the letter I want to post today If I can many thnaks Recovery Department Barclaycard House Norwich Way Liverpool L32 8UY Ref; Data Protection Act 1988 - Subject Access Request Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: 0000000000000 I would be most grateful if you would please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note, in addition to this, that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10.00, which is not to be used for any other reason than the Fee required as described as the Statutory maximum for this request.. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name] 　 I have put my full address, a/c no etc on the letter I want to post today If I can many thnaks

HyIm so thick?so when I send the CCA stateing the act 77 thing, Im not using 31.12 or am I, I absalutley have no idea where I am now with trying to sort out the debt issues with Barclaycard, trying to get the money they took for rent etc, trying to stop the interest on the debt?Help please

Hy outstanding debt was £6200 in april 2009 it is now £6600 as they added interest the barclaycard a/c debt was passed to several DCA and monthly payments started at diferent times, until more recent which NCO took over, which I didnt know untill Barclaycard took the £699 rent money hope this helps a bit more Hy my next step is to quote banking guidlines in that they are not helping when in debt, complain to FOS and i wonder if I can take the matter to court to recover the money as; Priority debts are; Priority debts are your most important debts – ones which cover your essential costs of living. Your priority debts include: Mortgage / Rent Secured loans County Court Judgments (CCJs) Magistrates’ Court fines Gas, water, electricity & telephone Child maintenance Council tax Tax VAT National Insurance TV licence Essential Hire Purchase goods (e.g. washing-machines, cars) Certain overpayments for benefits & Working / Child Tax Credit If you do not keep up on your priority debt repayments, you could: face losing your home / eviction have your gas/electricity/water supply cut off have your possessions taken by bailiffs face a jail sentence (but only in extreme circumstances) Non priority debts are; Non-priority debts All your other debts are known as non-priority debts. This category includes: Credit / store cards Overdrafts Unsecured loans Catalogue debts Credit agreements Conditional sales agreements 　 Non-essential Hire Purchase goods (e.g. TVs, stereos) The term ‘non-priority’ doesn’t mean you’re not legally obliged to pay them back, and it doesn’t mean your creditors won’t expect repayment. But it does mean that these debts are less important than your priority debts – and that your non-priority creditors are limited in terms of what they can do if you don’t. sorry I submitted befor I finished as I have only about £40 left to pay non priority debts with, Barclayacrd taking my £699 money from Bank for rent, should be viewed as, well not very nice? any advice for how I should go about doing it from those who are expert thanks

hy I am in similar position, I will send a cca NCO they have added no end of interest, even when they were told I am in debt problems and am paying £16 per month to NCO, they also added £400 intrest from april 2009 and took out £699 money from my bank a/c which is saved for rent payment. what I want is to have the following; 1]my rent money back-can I go to FOS/court or other to get this back 2]The interest deducted or stopped Ive also had open heart surgery in april 2009 and am still recovering, my partnetr will fight for me, even go to court, but we need to know what acts and what info so that we can proceed, over the last year regular payments off and on of £16 pe rmonth were made, untill a few months ago, when we wanted confirmation that NCO were actualy the legal people to pay the debt to as Barclaycard told us they hadnt known of them and it was RMA and NcO was instructed by them so where do we stand, many thanks It is so daunting and confusing, can anyone give us step by step guidnace and legal acts etc links so we can print off and put together and maybe is anyone willing to help mentor me many thanks

hy what is a 31.16 and 31.14 thanks

Ok I want the money back that they took out the curent a/c which is for rent £699 it is due in Feb 2010 [6mths] as it is paid 6 monthly. It is £3,500, so £699 is going to leave me very short at present income is very low and I have only about £30 per month left over to pay my debts Barclaycard I curently pay £16 per month to NCO Barclaycard added £400 interest from april 2009 to date? although barclaycard said they didnt and it was NCO-????? NCO say they didnt it was Barclaycard I tried explaining to Barclaycard I have sent regular comunication to Barclayacrd- no reponse only Via NCO what I want is the interest to stop the interested deducted that they added and the return of the rent money by the way Barclaycard refunded only £275 into bank I drew this all out and put away elsewhere I had open heart surgery in april 2009 and am still recovering I dont expect my income [self employed] to be any better] in jan 2010 so renat arears are an issue, the £16 per moth will have to be reduced even more I have never avoideed paying the debt, but if they add £more than 60 pe rmonth % to a a/c each month it isnt going to help, if I drop dead, it certainly wont help-they end up with nothing what can I do please send CCA RSA go to court for the rent money they took contact FOS banking code board etc I hope someone can help, point me in right direction, Acts, laws leads etc to defend my case or to support my argument many thanks I think I will take a chill pill now.......my partner has taken a full bottle?????

Wow...please stop Im dizzy? Please explain to me, that if Im sending a CCA letter to NCo and Barclaycard, to find out if agrreement was proper or not, what guidance am I using, a template that I am using was recomended on this site which states using the s78[1] consumer act............. now your saying not to use or even mentiion it?????? so what do I use in order that I do trhings properly and that I dont get into donky plop? many thanks. I was sending letter this week so can you get back to me asap please many thanks