Barclaycard full and final offers don't exist!

Underpressure_2

beverly_hills wrote: »

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.

Many thanks for your post, It has already lifted me and I will fight to the point where I can't fight anymore.

I am still dealing with the actual companies themselves at the moment as the debt has not been sold on.

I will look for the advise of the Ombudsman on Monday and take it from there. I have only found out this morning that my offers have been declined but I already now have a 2 page letter of evidence and sections from the lending code ready when approaching them on Monday.

I do appreciate when people take time to read and take the time to reply to these posts, they do mean a lot....Thanks

beverly_hills

Thanks so much for your reply....that has lifted me too!
I should have said before, but to get around the F&F response being final in their eyes, tell them it may be a final response to what they are speaking about, but the issues YOU have raised have not been dealt with therefore you are continuing to pursue them.
Keep up the hassle, survival is at stake!

ILW

My guess would be that they suspect you must have something to show for the £30k you borrowed. Can you show them where it all went?

Underpressure_2

ILW wrote: »

My guess would be that they suspect you must have something to show for the £30k you borrowed. Can you show them where it all went?

I could understand if this were the case but there is nothing for them at all, they will be lucky to get 1p in the £ if I go bankrupt, ehy are cutting off there nose to spite their face..............their problem not mine now.

I think it is more the case that has previously been mentioned when they don't even properly consider the offer.

I had a family member who was willing to set aside the £5000 I owe them in order to make an offer to clear my other creditors, as they have rejected this, my family are now equal to the same share as they were now reducing any potential money they will get.

Orville

Underpressure wrote: »

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.

If you have less then £50 surplus cash left each month after all debts are paid you could always go for a Debt Recovery Order or DRO as it's known.

Underpressure_2

Orville wrote: »

If you have less then £50 surplus cash left each month after all debts are paid you could always go for a Debt Recovery Order or DRO as it's known.

Hi

I don't think i qualify as your debts have to be under £15k

Orville

Underpressure wrote: »

Hi

I don't think i qualify as your debts have to be under £15k

Oh yes my mistake, apologies...:D How much do you actually owe now..? I read somewhere that you said a family member was willing to stump up 5k. If they can still do that and it brings it under the 15k mark you it might then be an option. My knowledge on this though is very limited as i am looking at doing this.

hullight

Orville wrote: »

If you have less then £50 surplus cash left each month after all debts are paid you could always go for a Debt Recovery Order or DRO as it's known.

Debt Relief Order

Locke

Either go down the CCA route or stop paying and wait for them to sell your debt on to a DCA then negotiate a low (possibly 30%) F&F settlement with them.

Underpressure_2

Orville wrote: »

Oh yes my mistake, apologies...:D How much do you actually owe now..? I read somewhere that you said a family member was willing to stump up 5k. If they can still do that and it brings it under the 15k mark you it might then be an option. My knowledge on this though is very limited as i am looking at doing this.

Total debt is £31k, so no chance of a DRO as it stands