Barclaycard - Are they lieing to me?

confused90

10past6 wrote: »

OK, if they've agreed the agreement with PPI was miss sold, that agreement needs cancelling, a new agreement needs to be set up excluding PPI, but including any balance from the previous agreement.

Once the new agreement is set up, if the remaining balance is only made up of PPI fees, these needs cancelling, making a zero balance.

Once that's been achieved, only then can you request the removal of any default notice issued.

Thanks 10 past 6, this pretty much ties in with my thinking, i.e. if i prove that the balance of this account (which was supposedly closed) is 100% made up of ppi charges for a missold policy then once i get the reclaim through i should be able to request the removal of the default.

any idea if this is likely to be straight forward once the ppi reclaim is complete or am i looking at another long slog to get the default removed?

never-in-doubt

confused90 wrote: »

Thanks 10 past 6, this pretty much ties in with my thinking, i.e. if i prove that the balance of this account (which was supposedly closed) is 100% made up of ppi charges for a missold policy then once i get the reclaim through i should be able to request the removal of the default.

any idea if this is likely to be straight forward once the ppi reclaim is complete or am i looking at another long slog to get the default removed?

It should be straight forward as you would prove it to the lender first then go to the CRA's with the same and they will remove the default as they wouldn't want to be liable for libel..... just deal with the missold PPi first mate

Should be sorted within, what, 3 months so long as you get the FOS involved as this is more fire power to hit the CRA's with....

You have a very strong case going on what you've said. :T

confused90

Thanks N.I.D. well i have started the ppi reclaim using the info/templates from this site already so i'll await the outcome and then take the fight to em regarding the default.

in the meantime i'll push on with close, i really want these two blips off my file as i have an otherwise unblemished credit file and these two defaults are preventing me from moving house, i'd accept them if i thought they were fair and justified but they are anything but....thanks for the help N.I.D. and 10 past 6......:beer:

10past6

confused90 wrote: »

Thanks 10 past 6, this pretty much ties in with my thinking, i.e. if i prove that the balance of this account (which was supposedly closed) is 100% made up of ppi charges for a missold policy then once i get the reclaim through i should be able to request the removal of the default

Start of with the SAR letter, once you've obtained all the a/c info, only then can you hit them with the "Evidence"

confused90 wrote: »

any idea if this is likely to be straight forward once the ppi reclaim is complete or am i looking at another long slog to get the default removed?

It's a long slog, BUT, if your credit rating has been affected (i.e. higher interest rates) due to them issuing an incorrect default notice, you have grounds to make a claim / sue for any losses.

never-in-doubt

10past - have you seen St0lli much? she was looking for you but said you wouldn't give her your email to send something - can you get in touch with her cos its something i'm not too hot on mate.... or PM me your email and i'll email it to you cos I have it, its a pdf though....

cheers

10past6

never-in-doubt wrote: »

10past - have you seen St0lli much?

Hiya mate

Weve been in discussion most of this week via PM, I asked her / him to update their thread

never-in-doubt

Its a her lol - but she only uploads to pdf..... darkconvict sent me a good file share link so if anything i'll check with st0lli and if she wants to post it then PM you she can do.....

cheers matey - catch you tomorrow if you're here.... Link from darkconvict is below - quite handy actually: http://www.!!!!!!/

DarkConvict

http://www.mediafire.com/ is better, you can managed the account and delete uploaded files

10past6

never-in-doubt wrote: »

and if she wants to post it then PM you she can do.....

Cheers mate, I've viewed the documents in question?

never-in-doubt

DarkConvict wrote: »

http://www.mediafire.com/ is better, you can managed the account and delete uploaded files

Thanks matey :beer::beer::beer: