6162130
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Everything posted by 6162130
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I'm happy to send a company cheque - it is my company - but i want to know if its worth just complaining straight away about the fact they have not accepted the "blank" po
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Hi all Further to this post - I have still not had any response to my SAR request as they say the "cheque" needs to made payable to Barclays - They have not returned my PO Am i ok to start this again by sending a company cheque (signed by me - i do not have a personal cheque book) or should I write with a complaint on this
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Hi I hd written to them telling them that it was not a cheque but a PO which is valid for a SAR. They have just replied telling me that they cannot process this SAR as "the cheque needs to be payable to Barclays Bank" What should my next stage be.. it is now over 40 days and i don't really want to start waiting another 40 days if i do send them a personal cheque. They have not returned the PO nor as of 20th of June have they cashed it. It is now
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Thanks for your replies, I will write to them advising them of that. I have a copy of the letter sent , proof of postage and pictures of the front and back of the postal order
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Hi all I sent a SAR off to barclays on the 20th of May - I got a reply today from them saying they could not process the request as the "cheque is not valid" I had enclosed a blank postal order for £10 They have not returned it or told me why it was not valid What is my next move Thanks
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Defaulted 7 Years ago so already off my file. I don't fancy them waking up soon to start action which is why i wanted to settle.
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Ok thanks for your advice everyone on this one. I reckon i will need to let it run. Do you think they would be up for settling at a lower percentage
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Do the different APR not mean that this is not the correct terms?
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Anyone got any ideas with this one please?
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Please see attachments - The names should explain what they are - I hope all is redacted properly and the last one CCA return.pdf
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Hi all - this is a split off from a more general thread where following your Cash Cow advice I have sent off many CCA's This is a Natwest CC taken out in Mid 2004 - Balance around £2300 Currently paying £1 PCM Direct - Account in Default since 2010 The application was made online They have sent me 1) a covering letter telling me they can send me a copy agreement and "current" terms. 2) A current leaflet with the General Conditions 3) A letter regarding a replacement Credit card with no date 4) A signed credit agreement A6 size no mention of limits or APR's 5) A letter with a copy of the agreement with APR's on an Credit limit 6) A photocopy of some more terms with some minor variations in the Advances APR's 7) A copy of a current statement. I have no idea what most of this means and your guidance as to the next steps would be greatly appreciated.
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I have sent this now to rbs. I was under the impression that they would forward this on to their clients. So let's see what response I get now.
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So I will resend it to RBS I presume i do not need to sign the letter OR put a name on the PO Does this now reset the clock? for the CCA
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Moorcroft sent the letter re RBS
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Hi all - this is a split off from a more general thread where following your Cash Cow advice I have sent off many CCA's This is a RBS CC taken out in early 2005 - Balance around £700 Currently paying £1 to Moorcroft They acknowledge receipt of CCA but request "in line of their clients procedures" a hand signed request... they returned the old one for a signature.. The also ask the the PO gets made out to the client ( atm it just says xxx) On hold 30 days blah blah I gather this is all rubbish so what is my next move? Thanks again
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Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
thanks - ill do that now -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
Hi All I have had another few responses not sure if i should open a new thread for each and if yes where? or I can just pop them here? -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
First response from PRA Group Acknowledging the receipt and returning the PO order and a handy leaflet about the CCA requests back to waiting -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
I'd really like to avoid that - as my credit file is now clean!! and I would like it to stay that way! -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
They get £1 a month. My income is not great. -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
before or after the SAR -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
I own my home together with my wife (the debt is mine alone) - there is virtually no equity in it though. I would like to settle with them rather then continue payments. -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
Hi Thanks for your help thus far, I am concerned about what i should do with the Barclays Overdraft. - I will SAR them but i am not sure the fees will be particularly high as I ran the account well until it went pear shaped. I do not want them to increase enforcement action or got to court. can I also CCA them? -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
Ok I have pulled my head out and made a start 2 CCA's in the post today Ive started with Natwest and the Virgin-Varde-PRA group I will keep you updated here - Thanks for your support At which point to i open a thread for each account Thanks -
Advice sought - Old Debts looking to settle!
6162130 replied to 6162130's topic in Debt management and Debt self-help
Thanks for your reply - why would this work better then the cca route? What are the chances of them agreeing this write off - bearing in mind i am only in my middle 30's. Thanks again for your reply I will run through the CCA's now and and see if i can get them all off. What do you think i should do about santander - they marked it as satisfied.. . they still send me account in default letters once a year.
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