hi people ,its been a while since i posted,very busy, i have now received a letter from barclaycard offering me £430 ,considering my account is sitting at over £1000 all of it charges i'm refusing their offer,just going to file my claim, just a small worry though,i have looked at the library and cant find a moneyclaim form,anybody any ideas,cheers

hi,i also checked my credit file recently and found a default,this default came about through no fault of my own, i had a secured loan with FUTURE MORTGAGES i then took out another secured loan to redeem the one with FUTURE,this was with FIRST NATIONAL, the second secured was for £20,000 so FIRST NATIONAL sent me a cheque for £9,000 and said that they will redeem the loan with FUTURE which was £11,000 approx(a bit less) ,i thought everything was fine and dandy ,then a year later i started getting phone calls from FUTURE saying that the account was massively behind etc,i explained what had happened and told them it was over a year ago,they didn't want to know so i got legal advice and got it sorted,i have the redeemed mortgage deed and everything,i now find out that FUTURE have defaulted me ,i am raging, could you tell me what a CCA is and where to get one,and could someone maybe give me a few tips on what to write in my letter to FUTURE,after all the problem was between FUTURE MORTGAGES and FIRST NATIONAL, cheers richard

hi,i would be inclinded to just wait for the deadline,barclaycard seem to wait until the last minute on purpose,well thats what they've done with me and a few others.

HI GUYS,JUST A QUICK QUESTION,I HAVE MADE A COMPLAINT AGAINST BARCLAYCARD TO THE INFORMATION COMMISSIONERS OFFICE AND THE FINANCIAL OMBUDSMAN SERVICE BECAUSE THEY DIDN'T SEND ME ALL STATEMENTS(ie. beyond may2004) ,SHOULD I STILL GO AHEAD AND SEND MY PRELIMINARY REQUEST FOR REFUND LETTER AND JUST CLAIM FOR THE CHARGES WHICH I KNOW ABOUT AND THEN START A NEW CLAIM WHEN THE i.c.o MAKE BARCLAYCARD SEND ME THE REST OF MY STATEMENTS.CHEERS FOLKS,POWER TO THE PEOPLE

HI,I'M PRETTY SURE ITS 40 DAYS FROM THE DATE THEY RECEIVE YOUR REQUEST,THATS 40 DAYS TO FULLY COMPLY WITH THE REQUEST,THEY KNOW THIS SO DON'T ALLOW THEM TO USE DELAYING TATICS,GOOD LUCK;)

hi guys,just a wee update.this barclaycard shower are a joke.sent dpa ,received statements back to may2004 with letter about microfiche rubbish,sent reply stating microfiche is covered by dpa,they replied ;again saying microfiche isn't covered ,I PHONED INFORMATION COMMISSIONERS OFFICE AND THEY TOLD ME THAT IT WAS AND THAT BARCLAYCARD ARE PROBABLY THE ONLY COMPANY THAT DON'T RECOGNISE THE FACT AND THAT THE I.C.O IS TAKING STEPS TO ENSURE THAT THEY DO,sent letter to barclaycard telling them what the I.C.O said,barclaycard replied still stating microfiche isn't covered and if i'm not happy take it to the FINANCIAL OMUDSMAN SERVICE, so thats exactly what i have done; complaint made to F.O.S and I.C.O, lets see if they think i'm going to go away now .

Hi Y'all,just A Wee Update On The *ank ,sorry Bank Of Ireland,still No Reply ,looks Like They Are Going To Be As Bad At Replying To Letters As They Are Good At Charging,although There Is No Problem When They Are Sending Letters Out To Harrass People,i'll Keep Waiting With Baited Breath,just Hope They Don't Comply Then I Can Put In A Complaint To The Information Commissioner,god Luck Everyone I'll Keep You Posted:)

HI ROYDOSAN,JUST WONDERING IF YOU WOULD EMAIL YOUR SPREADSHEET TO ME ,I'M HAVING A BIT OF TROUBLE WITH THE OTHER ONES ,HOPE I'M NOT BEING TOO CHEEKY BY ASKING THIS,CHEERS RICHARD email:richardmckee699@btinternet.com

GUYS ,ITS THE ANNOYING LITTLE DAFT ONE AGAIN, IN DESPERATE NEED OF SOME IDEAS REGARDING THE microfiche DILEMA, I'M HOPING THAT EVERYONE ISN'T IGNORING ME BECAUSE THE QUESTIONS I'M ASKING ARE DAFT (I FEEL LIKE EVERYONE KNOWS THE ANSWERS OF THESE QUESTIONS AND I'M THE BOY WITH THE DUNCE HAT ON)(he goes and curls up in the corner and starts to rock back and forth)lol,,, seriously though , i would be very grateful for any advice, THESE COMPANIES ARE RUINING MY LIFE !!!!!!!!!:-?

THANKS A LOT,I WILL SEE IF I CAN WORK THIS ONE,I HAVE A FEELING IT MAY BE MY DAFTNESS THAT IS STOPPING THE SPREADSHEET FROM WORKING ,LOL,CHEERS ,I KEEP YOU UPDATED

hi guys'n'gals,this is probably going to sound really daft, but i'll go for it anyway, do the spreadsheets for calculating interest only work if you have WORD ,i have tried to use them but i can't copy ,delete things or whatever with it,i only had the free trial version and don't really want to fork out any money(stingy git..lol) if anyone has any ideas of another way i'd be greatful,PLEASE HELP A TIGHT WAD........ LOL, thanks guys:?

hi people,just reading the threads and noticed the MANUAL INTERVENTION thing,could someone explain exactly what this means,is it when a so called account manager stops some charges or something?

hi everyone,i apologise for posting this again! i have just received statements from BARCLAYCARD but they only go back to MAY 2004,they say the rest is on MICROFICHE and therefore aren't covered by the data protection act,according to other threads on this site THIS IS NOT TRUE, could someone advise me of what to write to BARCLAYCARD as i don't want to write something stupid and mess everything up,not just for me but for everyone else as well, I WOULD BE VERY GRATEFUL FOR SOME TIPS ,CHEERS GUYS

hi guys ,just received statements from B###ARDCARD,in the covering letter they say they can't give me any statements beyond MAY 2004 due to it being on MICROFICHE,i've read the threads and it seems a lot of people are getting this response from these gangsters,i was just wondering if someone could pm me and give me some advice on what to do next(a letter or something) as far as i have read MICROFICHE is covered by the dpa but i don't know what to write to make me sound as if i know the law really well, AT THE MINUTE MY b###ardcard BALANCE IS £901 AND SO FAR THE CHARGES I'VE COUNTED TOTAL £720+INTEREST, so it could well be that when i receive the rest of my statements my total balance will be made up of unlawful charges, I CANNOT STAND BACK AND LET THEM GET AWAY WITH THAT, I WOULD BE VERY GRATEFUL FOR ANY ADVICE OR INFO, CHEERS

hi folks,just a wee update on how i'm getting on, just received the initial responce from barclaycard stating that they where sorry that i wasn't satisfied with their service and they hope to have resolved matters by 28/7/06 don't know exactly what this means;whether they are going to have my statements to me by that date or have they something else in mind,either way they will be sorry that i am not satisfied with them,i feel more and more confident every time i read these forums or have any interaction with these people what -so-ever,i've also received my initial letter from barclaycard,but nothing from the bank of ireland as yet, i'll keep posting my progress and hopefully it will help anyone else who is thinking about taking these f**kers to the cleaners, cheers chaps