Barclaycard full and final offers don't exist!

facingthefuture

Good luck, I hope you can sort it out. (((((Hugs)))))

Underpressure_2

natweststaffmember wrote: »

Having complained to barclays, what have they said to you?
How long did it take for them to resolve the initial issue with the credit reference agencies?

They resolved in about 3 weeks but you can't get searches removed that were made by the time you found out there was a problem which does count against you. They would not compensate me at the time as they said there was no proof of financial loss.........there is now though.

Underpressure_2

facingthefuture wrote: »

Good luck, I hope you can sort it out. (((((Hugs)))))

Thanks for the support, much appreciated

DON79

can't help with the Barclays issue but if you do find that you feel you have no other option than going bankrupt, please pop over to the BR board for a chat and read through the posts to get a full idea of what is involved and what will happen if you do go BR. Make sure too that you get some advice from the debt charities too to confirm that bankruptcy would indeed be the best option for you.

am not surprised by barclays not being interested in f&f offer despite the chance of your going bankrupt, most credit companies will not accept such offers without lots of pressure/proof/exceptionally good reasons. My mum had real trouble getting some debts written off and she is terminally ill so it proves they just won't/don't want to listen to reason sometimes even in extreme cases.

Underpressure_2

DON79 wrote: »

can't help with the Barclays issue but if you do find that you feel you have no other option than going bankrupt, please pop over to the BR board for a chat and read through the posts to get a full idea of what is involved and what will happen if you do go BR. Make sure too that you get some advice from the debt charities too to confirm that bankruptcy would indeed be the best option for you.

am not surprised by barclays not being interested in f&f offer despite the chance of your going bankrupt, most credit companies will not accept such offers without lots of pressure/proof/exceptionally good reasons. My mum had real trouble getting some debts written off and she is terminally ill so it proves they just won't/don't want to listen to reason sometimes even in extreme cases.

Sorry to hear about your mums circumstances, the more I deal with these companies and the more I read seems to suprise me less and less : (

I will look at the BR section again as that is the route I will be going down.

I have already met with Citizens Advice who did advise to declare myself bankrupt given my circumstances, last throw of the dice to avoid this was the full and final offer process.

Tiddlywinks

Are you working?

Why are you not now able to service the debt? Why is bankruptcy your only choice?

What reasons did you give to to Barclays to back up your request for them to consider a F&F settlement.

It's worth (if you haven't already) looking at the Debt Free Wannabe board for help in reducing your outgoings

Underpressure_2

Tiddlywinks wrote: »

Are you working?

Why are you not now able to service the debt? Why is bankruptcy your only choice?

What reasons did you give to to Barclays to back up your request for them to consider a F&F settlement.

It's worth (if you haven't already) looking at the Debt Free Wannabe board for help in reducing your outgoings

Hi

I am working full time albeit off with stress at the moment.

I have had a few jobs over the last few years and some jobs turned out not to be as advertised so I have had to take a drop in pay each time i moved. If you get a loan whilst on £17K a year and have to drop down initially to £12k, its hard to service debt and the shortfall of income just gets added to the debt. The rest of the problems with Barclays I have alrwady mentioned in my earlier posts.

I have over £31k of debt and an income of £15K but loans rates are high. I have been through all my income and expenses with Citizens advice and the options are to make payments to my creditors of what i can afford on my money left after essential living costs have been made and this would take me over 35 years to repay. They advise that anything over 10 years is not a realistic option.

Since I don't have a home or any other saleable assets, bankruptcy is the only other suitable option available.

Both Barclays and Barclaycard were made aware that if the offer was not acceptable then i would be declaring myself bankrupt........this did not seem to bother them in the slightest.

I did say to Barclays that because I believe a lot of this was down to their errors and financial loss can be proven that i would take this complaint to the Ombudsman should this not be resolved........again this has fallen on deaf ears.

Fergie76

Have you defaulted on your Barclaycard, because while your maintaining your account correctly, there is no way they will accept F&F offer.

Have you considered an IVA, go over to the DFW board and post your full SOA and I'm sure some knowledgeable person will be able to give you some good advice. Also have you contacted the CCCS?

Underpressure_2

Fergie76 wrote: »

Have you defaulted on your Barclaycard, because while your maintaining your account correctly, there is no way they will accept F&F offer.

Have you considered an IVA, go over to the DFW board and post your full SOA and I'm sure some knowledgeable person will be able to give you some good advice. Also have you contacted the CCCS?

Hi

I have now missed 2 payments of my Barclaycard account.

IVA is not applicable as my debts are over £15k.

I did post a full SOA a while ago and have now cut out all unneccessary spending and managed to get some bills reduced.

My spending was not to bad before but it has been trimmed even further.

I have spoken to CCCS and given them the figures and they can up with the same solution as the CAB.................bankruptcy.

With some creditors likes Barclays and Barclaycard........you just can't talk to people that don't want to listen.

A friend of mine used to work for Barlcays and he said that this is the norm. If an Ombudsman complaint gets raised with a bank, i am informed that they get charged £500 per complaint lodged against them............so they do have something to lose and very little to gain.

beverly_hills

I can so empathise with you, the stress as well. If you can find the mental strength to keep fighting, I would advise you should. F&F responses are, I have found, just companies' cop-outs to stop us arguing. Fair enough if it's straightforward, but if they made a mistake - keep fighting until they take responsibility for it.
I had 5 final responses of an insurance claim being denied, when all along I was trying to point out a mistake which had been made right at the start, eventually I spoke with a wonderful lady who immediately saw where the mistake lay, and they granted the claim, and I was paid what I had been owed for the past 12 months, £15k!! they then found another way to delay the payments and solution is ongoing, but it was worth the fight. I've had experience of Barclaycard too, are you sure you are speaking with BARCLAYCARD, or is it a collection agency etc? Find out who owns the debt, has it been passed to other than B/cd?
Never forget that you are dealing with someone paid to get the money in, they're not necessarily trained in resolving problems and definately don't have authority to make such decisions. They are only human, and well trained to intimidate! Don't fall for it!
Pass the buck back to them, don't be bullied or intimidated....if they say, for example, How do you intend to pay this amount, when will you be able to make the payment, tell them that you can do nothing until your complaint is fully investigated by their superiors and you have dealt with someone who understands what you're speaking about. Answer each demand with a question, give them as much hassle back and they'll soon pass it to someone higher to deal with.
I totally understand the replies which say you borrowed it so pay up - but lets face it - how many of us would have borrowed money with the intention of not paying. No guarantees of a result taking this advice, but at least you will know you've done everything possible if you do have to go down the BR route. They're not going to get the full amount anyway, point this out, and let them know they will be better off taking your offer. Most of all -KEEP STRONG- I know what I'm speaking about here, worth the struggle!
Good luck.