Have you checked the other CRA's to see if Lowells are reporting the debt to them? Lowells never reported my debt to Experian for some reason, just Equifax and Callcredit. " As the Barclaycard reference relates only to the factual statement that your account was sold, and we are not currently reporting any defaults, there is nothing for Barclaycard to remove from your record." When you agree to a settlement make sure that you get BC to agree to remove ALL information they hold about you from all 3 CRA's. Has BC not bought your debt back from Lowells? Obviously every case it different but with mine I pushed it as far as they would go with their financial settlement and then said I would accept their offer if they agreed to remove all information about me as well. They were quite happy to agree to that.

I've been having that same kind of letter from them every month since last summer. It's been that long I cant even remember what they are trying to resolve.

Thats their standard response but they will pay up if you start court action. You can argue for the default to be removed as well if without those charges being added your account wouldn't have been defaulted. I think you may be able to do that anyway as the amount you were defaulted for would be different without those charges added. Although I 'bribed' them into removing my default by agreeing to accept a lower cash settlement in exchange for them removing all their account history from my credit files. It depends if you want more money or the default removed from your credit file. If you start court action Barclays will buy the account back from Lowells so i wouldn't bother trying to sort out how it appears on your credit file at the moment. Have you got a list of all your charges and the dates of them? Look for a £40 charge as well that BC sneak in for notifying you by letter that your account is behind payment. They will pay that back as well.

That's quite a decent opening offer. My first offer was for only charges applied within the last 6 years and no interest at all. Keep going though. I turned down 4 offers before accepting. Always double check everything as I would get used to them putting the wrong name on things. I think BC litigation either hire people straight out of school or are not that bothered about paperwork being correct.

I'm not sure what amount will be refunded, I originally added 8% to each monthly amount but the FOS letter says Lloyds should put me back in a position as if i had never had ppi. I had a letter and phone call from the FOS saying they upheld my complaint a while ago, but Lloyds have ignored them and not even bothered replying to say whether they agree with the decision or not. I haven't contacted Lloyds myself yet as i thought it was the job of the FOS to sort it out but it looks like i'm gona have to chase this up myself. I've been a pain to Lloyds for the last 18 months so i was expecting them to disagree with the FOS decision but it looks like their going to try and drag it out as long as they can!

Two months ago the F.O.S upheld my ppi complaint against Lloyds and gave them a month to respond if they agreed or not. As Lloyds have ignored them my complaint now has to go to an Ombudsman to make a legally binding ruling which can take up to another year! Is this just another tactic the banks employ trying to make people give up fighting them? I always thought if the F.O.S upheld your complaint that was a legal ruling but apparently a complaint has to be upheld by an Ombudsman to be of any use.

I've just been reminding them of the CCA requests when they bother me and was planning on playing letter tennis until 2015 but if thats the case I shall just ignore them from now on! Learn something new everyday on here.

I never knew that. All of my defaults were from 2005/06 and I continued paying until 2009 when I started asking for CCA's. So does that mean if they managed to find a valid CCA now its too late to do anything as the debts have dropped off my credit file?

Slick told me to start a new thread in this section to get other peoples advice. Shall i just keep it to the BC thread then?

I have a thread in the Barclaycard forum where a few months ago i won my unlawful charges claim against them. Part of my settlement was BC removing the default as they told me they had bought the account back off Lowells when i started my claim. After the claim had been settled I applied with my bank for a credit card and overdraft as i should have had a clean file only to be turned down and told to check my file. Lowells had re-added the default as BC had not completed the purchase of my account or even notified them the debt didnt exist anymore. Bc only sorted this out after i made a complaint to them. I settled my claim early for a lower amount with BC in the belief that they held my debt, yet it was still Lowells account at the time. Having made a complaint to BC for compensation for damage to my credit file i have been turned down using Kpohraror as that was a business claiming damages and have now been told that Durkin vs HFC is irrelevant as that is not binding in England. Does anyone have any advice about starting a claim for damages as BC misrepresented how they were handling my original claim, caused me to be turned down by my bank for credit and are adamant that i have to prove financial loss and the cases i quoted are pointless.

My complaint has been turned down again so now i am going to be starting legal action. Going by what the solicitor has said in her latest reply she never even read my complaint properly.

The daily interest would be simple interest at 8% from the date you file the claim until the date of judgement. You don't have to put a figure, just simple interest at 8%.

I had the same £40 out of order charge. I think it was a charge for them sending a letter saying your account was behind payments. I put it in my claim with added interest and they paid up without any problems.

Barclays again rejected my complaint stating that Kpohrarer has no legal standing in my argument as that was a business cheque that bounced. I've sent an email today quoting Durkin vs HFC as well but i think it's time to start preparing a court claim as i suspect they will say Durkin has no relevance to my complaint either. On the plus side i received a letter from Lowells showing a 'timeline' of how my account was handled when Barclays were repurchasing it and it shows they did not notify Lowells that my account had been cleared until i had made a complaint. Combined with BC's original letter apologising for any inconvenience this default caused i cant see how they can now not accept this mess is all their fault. I have also had letters from Tesco and Natwest confirming my credit card applications were unsuccessful when i applied, before i found out the default had been re-added. Natwest is pretty telling as they specifically state the reason my application failed was because of my credit file. After checking Experian last week which now shows a score of 975 i think its safe to say Natwest would have issued me a card if that default hadn't been showing. So i've sent all this information off to BC and now i'm waiting for them to turn down my complaint again!

Do you mean to SAR callcredit or join up with them?