Need help with bank and credit card charges please

mumof2:D

HI ,

I HAD A CREDIT CARD AS SOON AS I TURNED 18 MY CREDIT LIMIT WAS ONLY £200. I HAVE NT PAID THE CARD AS HAVE NEVER HAD THE FUNDS TO DO SO BUT NOW I AM FACING A DEBT COLLECTION AGENCY ASKING FOR £ 5OO DUE TO CAPITAL ONE ADDING ALL THE CHARGES ONTO THE CREDIT CARD . CAN I GET THESE BACK AS I HAVE RANG CAPITAL ONE THEY WILL NOT SEND ME OUT ANY STATEMENTS AND WILL NOT GIVE ME ANY HELP IN FINDING OUT HOW I CAN GET MY ACCOUNT DETAILS !!

I HAD A BANK ACCOUNT WITH BARCLAYS WHEN I WAS 16 AND HAD IT UP UNTILL 2 YEARS AGO WHEN MY EX BOYFRIEND GOT ADDED ONTO MY BANK ACCOUNT AND TOOK MY CARD , BOUNCED CHECKS AND TOOK OUT TOO MUCH MONEY THERE FOR HAVE BEEN CHARGED LARGE AMOUNTS 35 POUND EACH TIME I WAS STILL USING THE BANK ACCOUNT ABOUT 2 YEARS AGO WHEN I HAD MY DAUGHTER , A LUMP SUM OF £300 WENT INTO THE ACCOUNT FOR HER FROM CHILD BENEFIT WHICH WAS BACKDATED BUT BARCLAYS TOOK THE MONEY EVEN THOUGH I TOLD THEM IT WAS NOT ALLOWED , THEY ALSO WILL NOT TELL ME MY DETAILS , I CANNOT GET ANY BANK STATEMENTS ETC SENT OUT TO MEAND JUST KEEP TELLING ME TO RING A DIFFERENT COMPANY WHO THEN SAY THEY HAVE NO INFO FOR ME ,,

I JUST WANT SOME ADVICE AS IM GOING ROUND IN CIRCLES :mad: AND WANT MY CHARGES GIVEN BACK TO ME SO IT WILL DRAMATICALLY REDUCE MY DEBT :mad:

ANY HELP WILL DO , THANKS

viktory

Firstly, please don't shout - it is rude. Secondly, your post is in the wrong place - you need to post in the debt free board. Ask a board guide to move it. In the meantime....

...Are you telling us that you applied for and used a credit to the tune of £200 and NEVER made a payment? If that is the case, the charges Capital One have levvied are legal and will need paying. You need to liaise with the debt collection agency. Same with the bank.

jamesdrew

To have a credit card and never make a payment is actually considered as FRAUD. If you have at least made some payment it would have helped your case. If you're not able to pay the debt then there is no point in trying to liaise with the debt collection agency. You will eventyaly have a CCJ entered against you and this will affect your future credit rating but if you don't pay your debts this is not relevent anyway. The banks have passed on your debt to third parties which is why you can no longer get statements and account information and the debt collectors will just continually harrass you to try and get payment.

lizziloves

Go to your local citizens advice bureau and they should be able to give you free advice to help sort out the situation.

fabforty

mumof2:D wrote: »

HI ,


I HAD A BANK ACCOUNT WITH BARCLAYS WHEN I WAS 16 AND HAD IT UP UNTILL 2 YEARS AGO WHEN MY EX BOYFRIEND GOT ADDED ONTO MY BANK ACCOUNT AND TOOK MY CARD , BOUNCED CHECKS AND TOOK OUT TOO MUCH MONEY THERE FOR HAVE BEEN CHARGED LARGE AMOUNTS 35 POUND EACH TIME I WAS STILL USING THE BANK ACCOUNT ABOUT 2 YEARS AGO WHEN I HAD MY DAUGHTER , A LUMP SUM OF £300 WENT INTO THE ACCOUNT FOR HER FROM CHILD BENEFIT WHICH WAS BACKDATED BUT BARCLAYS TOOK THE MONEY EVEN THOUGH I TOLD THEM IT WAS NOT ALLOWED ,

Once you added your boyfriend to your accout - I'm assuming that you mean it went from a sole account to a joint account - you are both liable for charges incurred as a result of his bouncing cheques and going overdrawn. If the account stayed in your name solely and your boyfriend just had access to it - then I'm afraid you are solely responsible for the debt.

If your account is overdrawn, any mony paid into that account will simply be swallowed up by the debt. Telling the bank that is't not allowed to touch it, is simply a waste of time. Even if you had paid it into a different account but with the same bank, or the same banking group, the 'setting off' rules mean that they can take funds from one account to pay for a debt owed on another.

Contacting the CAB is probably your best bet. Whatever you do, don't continue to ignore the problem. It won't go away.

Valli

fabforty wrote: »

Contacting the CAB is probably your best bet. Whatever you do, don't continue to ignore the problem. It won't go away.

But the OP has - not logged on since half-an-hour ago after this plea for help...

Thriftkitten

Hi, I know of another site that is free the same as this one and has a lot of help and knowledge to give for free, legalbeagles, between this great site and beagles, I have learned a lot and completely turned my credit rating around, you may not get the outcome you want, but the knowledge for free is worth the same amount believe me, I hope this is of some help to you. xx

mumof2:D

Valli wrote: »

But the OP has - not logged on since half-an-hour ago after this plea for help...

just because i didnt log back does not mean i didnt need help!! thankyou
if uhavent got anythin good to say then dont dont post when it is useless info !!:mad:

---

thanks to most ppl who have gave advice ,when i said i hadnt paid the card i meant i hadnt paid the card in full i did make payments
i have sorted it all out anyway and am paying back 100 a month so will be done after xmas time :j

creditcontroller

Valli wrote: »

But the OP has - not logged on since half-an-hour ago after this plea for help...

Maybe they are at work...or helping with child care ....or has less time to spend on here than others?

Savvybunny2009

mumof2:D wrote: »

HI ,

I HAD A CREDIT CARD AS SOON AS I TURNED 18 MY CREDIT LIMIT WAS ONLY £200. I HAVE NT PAID THE CARD AS HAVE NEVER HAD THE FUNDS TO DO SO BUT NOW I AM FACING A DEBT COLLECTION AGENCY ASKING FOR £ 5OO DUE TO CAPITAL ONE ADDING ALL THE CHARGES ONTO THE CREDIT CARD . CAN I GET THESE BACK AS I HAVE RANG CAPITAL ONE THEY WILL NOT SEND ME OUT ANY STATEMENTS AND WILL NOT GIVE ME ANY HELP IN FINDING OUT HOW I CAN GET MY ACCOUNT DETAILS !!

I HAD A BANK ACCOUNT WITH BARCLAYS WHEN I WAS 16 AND HAD IT UP UNTILL 2 YEARS AGO WHEN MY EX BOYFRIEND GOT ADDED ONTO MY BANK ACCOUNT AND TOOK MY CARD , BOUNCED CHECKS AND TOOK OUT TOO MUCH MONEY THERE FOR HAVE BEEN CHARGED LARGE AMOUNTS 35 POUND EACH TIME I WAS STILL USING THE BANK ACCOUNT ABOUT 2 YEARS AGO WHEN I HAD MY DAUGHTER , A LUMP SUM OF £300 WENT INTO THE ACCOUNT FOR HER FROM CHILD BENEFIT WHICH WAS BACKDATED BUT BARCLAYS TOOK THE MONEY EVEN THOUGH I TOLD THEM IT WAS NOT ALLOWED , THEY ALSO WILL NOT TELL ME MY DETAILS , I CANNOT GET ANY BANK STATEMENTS ETC SENT OUT TO MEAND JUST KEEP TELLING ME TO RING A DIFFERENT COMPANY WHO THEN SAY THEY HAVE NO INFO FOR ME ,,

I JUST WANT SOME ADVICE AS IM GOING ROUND IN CIRCLES :mad: AND WANT MY CHARGES GIVEN BACK TO ME SO IT WILL DRAMATICALLY REDUCE MY DEBT :mad:

ANY HELP WILL DO , THANKS

I had an outstanding barclaycard bill to be paid and my bank account was with woolich, but when they closed I was moved to Barclays. Barclays flagged the unpaid bill and took out all of my funds (£400?). I called them and was thrown pillar to post in the end I said they could not take my money if I have not authorised it, I said I had rent to pay and food bills etc etc. In the end they refunded half the money and if I wantedd the full amount refunded I would have to prove I had these bills to pay by way of sending a copy of the bills to them. I settled for half and paid the rest off monthly at £20 a month.

That was a few years back, around a month ago I noticed these payments were still coming out, after much debate and pillar to post again they cancelled the direct debit and refunded me close to £300.00.

Barclays are very helpful if you persevere and don't shout and scream so hopefully if you explain they can sort it for you. I also have managed to get them to reverse any overdrawn charges as all their bank accounts should have a floating limit of £400.00 so you should never be overcharged unless you go over.

Just something to bear in mind. Although if you dont have your account details you may find it hard to get anything out of them, they seem to lose you in the system if its a closed account. KEEP PERSEVERING!