Barclays- SAR and CCA? Dear Cagers, As mentioned in another post I have 4+ debts which I desperately want to sort out ASAP. I want to start with Barclays and I will rely on your amazing help I have seen you have given to other desperate people. Please be aware that I am very inexperienced in dealing with creditors, DCA etc... The situation: Barclays current account: Opened 11-12 years ago. I use this account to transfer £4 each month from another account to be able to pay my debts -£1 to each of 4 debtors. This is including paying £1 each month to my Barclays unsecured loan (£1 payment agreed in 2013 via CDCS)... My account is in ‘working’ condition but I can see online that my address, telephone number and e-mail are marked as unknown –I guess they have found out that I don’t live at the last address provided to them. My e-mail and the telephone number have not been changed though but they have deleted them from ‘my details’ file... Barclaycard- Credit card: CLOSED by Barclaycard years ago (opened around 2004-2005,closed-unknown when and why). Never had any late payments etc.. . I have overpaid £10 to the card and never received them back. No documentation with me to prove that but I am sure about the above. Barclays Unsecured loan: Information on Noddle about my unsecured loan: Barclays Bank Plc Account start date: ‘Summer’ 2007 Opening balance £ 20,000 Regular payment £ 385 Repayment frequency :Monthly Date of default: ‘Summer’ 2010 Default balance : £14,000 Currently owning : under £13,000 Originally taken in 2007 for £20K as far as I remember to be repaid in 4 years-maybe 5 years!?. I was supposed to pay £385 a month. I paid £385 a month for over 2 years until November 2009. I applied for the loan online through my current bank account online page and I remember that the money was transferred very quickly to my Barclays current account. I don’t have any paperwork of terms & conditions or signed agreement. I am not sure if I was provided with any anyway. Maybe I just ticked these as ‘read’ online without reading them to be honest. The loan was spent on an unsuccessful business. In October 2009 I became very ill and had to leave the country for treatment. I did not pay anything to them for around 6 months while abroad in hospital. I returned to England in June 2010. I discussed with them my situation (conversations over the phone) and was paying them reduced payments (as much as I can) but they did not agree to reduced payments and did not care and kept adding fines and fees. I don’t remember receiving anything in writing from them-most of the conversations were happening over the phone, any correspondence I might have had is lost. I received a letter from CDCS (Central Debt Collection Services- Parent Company: Barclays Plc. Information about them here : http://www.humberdebt.co.uk/help-with-central-debt-collection-services-debt-debt-management-and-debt-advice/ ) in 2013 agreeing to my £1 monthly payment offered to them. Prior to that I was paying them higher amounts. After that I never received anything from them, then I moved address and never contacted to update address as I did not have a permanent place of stay. Please give me advice what to do? I guess once I provide them with an address they may issue CCJ (non registered yet on Noddle)... I remember taking the loan but I have not got any documentation etc.. . and have not got a clue how much fines , interest and charges they have added to my unsecured loan. ..Is the right thing to request SAR and CCA to Barclays? I think that it is necessary to recover all the information (statements, charges, interest, ppi and other insurance, applications, correspondence for loan, credit card and current account, telephone conversations) before discussing any repayment or settlements with them? Will SAR provide me with statements for my current account as I will need these for proof of payments for different debts as well? https://www.apply.barclays.co.uk/forms/subject-access-request?execution=e1s1 Do you suggest to apply via post or using their online system above? Do you think that the best is to close my Barclays current account first and then start communicating about the unsecured loan with them? Is it true that once I have requested SAR and/or CCA there is a big chance interest and fines to apply to my account again and to be asked to pay more than the token monthly payment? Your help is much appreciated.

My bank informed me a bill payment failed yesterday due to insufficient funds. I had no clue why not as I ought to have had plenty of money so I logged on to my online banking and saw that my last payment of ESA was in March, nothing in April. For some reason it seemed to have stopped for no reason, no letters from DWP or anything. I got into such a state wondering if they'd sent ESA50 that hadn't arrived and so I'd failed it, maybe my horrid neighbours had made false allegations, amongst numerous other fears. Most of all my bank has a 3 strikes and your out policy on that account so that is one of those used up and I have another bill due to be paid tomorrow and had less than 10p in my purse. I went to the CAB today as I can't use phones and they phoned the DWP who told them that there was a computer glitch when they updated the system with the new higher payments at the start of April and a lot of people have not had any benefits since March. They are needing to re-input people manually and it is taking time. Thankfully the man promised to get my payments in by the end of play today and it has arrived but I am absolutely stunned that this sort of 'glitch' can happen and that hoards of people have been left with no benefits since March, what are they supposed to live on? I assume it is a lot of people if they haven't caught up since then re-inputting people. Anyone else been affected? I ended up in such a state yesterday I took 3 doses of sleeping tablets and that still only gave me 3 hours of sleep.

I have a halifax current account and it had a £100 overdraft. As my mum uses the account too I turned off the overdraft and started using another current account. Anyway by accident I had all my cards automatically set up on paypal and i charged £370.00 to the account a few days later. instead of declining the transactions because there wasn't that in there..it minused the account and used my mums funds. i of course reimbursed her because it was my fault. But I wondered was this a glitch or normal? Can haifax do this..and am i at fault..or??

The Welcome and UserCP bar is missing. Does it now only appear when ones time on the Forum has expired-or is it just my computer?

Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.". “Many organisations now share data. It’s not just traditional lenders but mobile phone companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments. Experian can be contacted on 0844 481 8000 0844 481 8000 or at experian.co.uk Equifax can be contacted on 0844 335 0550 0844 335 0550 or at equifax.co.uk Callcredit can be contacted on 0845 366 0071 0845 366 0071 or at callcredit.co.uk Make a list and keep receipts The Financial Ombudsman Service (fos) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraft fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said. How to complain to the Financial Ombudsman The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk. Beware of e-mail [problem]s Many of the NatWest, RBS and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details. Bank contact details Customers experiencing problems can contact RBS and NatWest on: 0161 931 9959 0161 931 9959 0800 656 9639 0800 656 9639 0845 777 7766 0845 777 7766 If you’re calling from overseas the numbers are: NatWest +44 (0) 8705 88444 +44 (0) 8705 88444 +44 (0) 8705 88444 +44 (0) 8705 88444 RBS +44 (0) 13154 98888 +44 (0) 13154 98888 +44 (0) 13154 98888 +44 (0) 13154 98888 Ulster Bank customers can cal: l Republic of Ireland 1800 205100 Northern Ireland 0800 231232 0800 231232. Remember you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances. .

Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.". “Many organisations now share data. It’s not just traditional lenders but mobile phone companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments. Experian can be contacted on 0844 481 8000 or at experian.co.uk Equifax can be contacted on 0844 335 0550 or at equifax.co.uk Callcredit can be contacted on 0845 366 0071 or at callcredit.co.uk Make a list and keep receipts The Financial Ombudsman Service (fos) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraft fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said. How to complain to the Financial Ombudsman The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk. Beware of e-mail [problem]s Many of the Natwest, RBS and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details. Bank contact details Customers experiencing problems can contact RBS and NatWest on: 0161 931 9959 0800 656 9639 0845 777 7766 If you’re calling from overseas the numbers are: NatWest +44 (0) 8705 88444 RBS +44 (0) 13154 98888 Ulster Bank customers can cal: l Republic of Ireland 1800 205100 Northern Ireland 0800 231232 0800 231232. Rememeber you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances.