You'd think they would take a day off wouldnt you

sammahootexpress

i was paying 2 a month to some part of the barclay group for 4 years on a cccj happily paying it by direct debit , then all of a sudden they wrote saying havnt paid , so rang as u are scared u pay up, well they then sent every month for well over a year this tactic , well not going to fall for that again as it was still going out by dd , well eventually they took me to court for non payment and attachment of earnings , they didnt get it thank god , but this cost barclays well over 300 to do this all the money i had paid over the years then i went br so all the hassell they actually lost more,

wherediditallgo

empty_wallet wrote: »

Melanie Giles of gilesjones, OH researched IVA companies before she decided to go with them, they seemed to have alot of good testimonials and reviews. We have been very disappointed with the poor communication from her staff, one person will say once we have so and so that is all we need to do the proposal, then OH will contact them after say a week to see how its going to be told by someone else that they are waiting for something else, this has now happened several times that OH has found out they need extra paperwork but only when she has contacted them. She was told 2 weeks ago that they had everything for the proposal to be written and she would receive it in 7 to 10 days, so she contacted them after 7 days to see if it had been posted only to be told they were waiting for something else which OH had sent in a good 4 weeks ago so she faxed a new copy over and was then told they now had everything but it would now take a good 3 weeks for the proposal to be written. OH is so peed off so she wrote a complaint letter to then be told that she needs to meet the IP next week to sort the proposal out, so real poor communication and almost seems as if the staff dont know what they are doing.

If no considerable sums of money have been handed over yet, I think I'd switch to someone else. One of the companies in my signature should be able to help you with companies who are more organised, & at least the ones in my signature won't be charging you for the privilege. If this is the way they are at the start, what will they be like when you're handing over large amounts of money each month?

rog2

Walter_J wrote: »

You obviously owe Barclaycard a big chunk of money - it's hardly suprising that they are going to chase you up for it, is it?

I think your gripe is with the IVA outfit, not Barclaycard.

BARCLAYCARD, and their pet bloodhounds MERCERS, were, along with MBNA, the least listening of all of my creditors. They 'harassed' me night and day, choosing, at their convenience, to totally ignore my letters and many requests for them to contact me in writing only.
They continued to 'harass' me for almost three months after being informed of my bankruptcy.
I think the OP has every right to have a gripe with BARCLAYCARD.

Scarlett.1974

rog2 wrote: »

BARCLAYCARD, and their pet bloodhounds MERCERS, were, along with MBNA, the least listening of all of my creditors. They 'harassed' me night and day, choosing, at their convenience, to totally ignore my letters and many requests for them to contact me in writing only.
They continued to 'harass' me for almost three months after being informed of my bankruptcy.
I think the OP has every right to have a gripe with BARCLAYCARD.

Hear Hear

:T :T :T

(am pmsl @ "pet bloodhounds")

jono_1uk

is there any legal acction that can be taken if u go BR, they are informed yet they still hassle you ?
after all isnt that one of the things the OR is being paid to do ??
if i keep geting hassled after BR i will be DEMANDING the OR does something ...

rog2

jono_1uk wrote: »

is there any legal acction that can be taken if u go BR, they are informed yet they still hassle you ?
after all isnt that one of the things the OR is being paid to do ??
if i keep geting hassled after BR i will be DEMANDING the OR does something ...

I don't think that there is any 'legal action' to take against this type of behaviour from creditors and their dcas, other than to report them to both the OR, who will, certainly, give them short shrift as this behaviour is tantamount to trying to gain 'preferential status' over other creditors.
The only other option, which I also took, is to report the dca/creditor to the Trading Standards as they were clearly in breach of the Debt Collection Guidelines as laid down by the Office of Fair trading.
In my case, MERCERS :eek: kept ringing me to ask for the name and direct number of the OR/Trustee dealing with my case, so that they could 'contact them directly'. :rolleyes:
They just wouldn't take 'leave me alone' (or similar) as an answer.

Toon_Dave

jono_1uk wrote: »

is there any legal acction that can be taken if u go BR, they are informed yet they still hassle you ?
after all isnt that one of the things the OR is being paid to do ??
if i keep geting hassled after BR i will be DEMANDING the OR does something ...

Hi Jono.

As you said the OR is being paid to service your debts on your behalf so as far as i'm concerned when i BR i would just ignore all threats and forward the details to the OR or Trustee..

There is nothing these companies can do as posted here they are in breach of OFT guidelines and their behaviour could have them liable to losing their consumer credit license etc etc...

Roll on the BR when all these creditors can go and P*ss in their cereal!!

Dave

dalip

Jono
If it was me i would not be "demanding" anything. The OR can and will make things very uncomfortable for you if they so choose. Please don't get off on the wrong foot with the OR. At the end of the day as others have said different callers/dept do not pass info on. We are not all perfect. Just remember as time goes by the calls will become less and less until they eventually stop. Small price to pay for ridding ourselves of all that dept:rolleyes: . Dalip

Scarlett.1974

dalip wrote: »

Jono
If it was me i would not be "demanding" anything. The OR can and will make things very uncomfortable for you if they so choose. Please don't get off on the wrong foot with the OR. At the end of the day as others have said different callers/dept do not pass info on. We are not all perfect. Just remember as time goes by the calls will become less and less until they eventually stop. Small price to pay for ridding ourselves of all that dept:rolleyes: . Dalip

I agree with this

The OR has 6-8 weeks (I think?) to contact all creditors to let them know of your BR.

At the end of the day phone calls and/or letters, as annoying as they are, can't 'hurt' you anymore. We're still getting loads of demanding/threatening letters (went BR 5 weeks ago) and I'm just filing and ignoring them

JCS1

Scarlett.1974 wrote: »

I agree with this

The OR has 6-8 weeks (I think?) to contact all creditors to let them know of your BR.

At the end of the day phone calls and/or letters, as annoying as they are, can't 'hurt' you anymore. We're still getting loads of demanding/threatening letters (went BR 5 weeks ago) and I'm just filing and ignoring them

56 days to issue the report to creditors. It does seem to be the larger companies or take longer to update their databases though.

After this 8 week period, the calls and letters should go less. Forward any letters to your case clerk after this time, and they will arrange for notification to be sent to the address on the letter (some big companies have many, many addressess for correspondence)