"Final warning: legal action" - Barclays

[SA Gold]

Re: "Final warning: legal action" - Barclays

just picked up on this and just wanted to wish you all the best with it.

[SXGuy]

Re: "Final warning: legal action" - Barclays

It "appears" to be some standard threat sent after someone doesnt comply with a termination letter, I would hazzard a guess and say, next step, DCA.

[Never-In-Doubt]

Re: "Final warning: legal action" - Barclays

Pic rotated xx

thanks UE

Just came to do it now - good minds and all that

[Undercover Elsa]

Re: "Final warning: legal action" - Barclays

Pic rotated xx

[Never-In-Doubt]

Re: "Final warning: legal action" - Barclays

Instead of hosting the image on tiny pic go into the post by clicking edit then remove that pic and upload it here. It auto sizes to screen display variants doing it that way - if not ill sort it in morning when I'm at lappy

[Pixie]

Re: "Final warning: legal action" - Barclays

and from me!

That letter says "may" so I wouldn't fret too much about it at the moment...enjoy your weekend

[CAPS ESC]

Re: "Final warning: legal action" - Barclays

Thanks for the stiff neck evilcartman

[evilcartman]

Re: "Final warning: legal action" - Barclays

Address complaint sent.
OD CCA sent.

Off to enjoy my weekend now.

[evilcartman]

Re: "Final warning: legal action" - Barclays

Brilliant, Niddy!

OK, here's a photo of the threat-o-gram, with all the identifying info cropped off of course.

(Edit: have now uploaded it via the board's own file attachment facility and, as you can see, it's still showing sideways. I don't know why it's doing this, as I opened it in Photoshop and it was definitely upright. )

[Never-In-Doubt]

Re: "Final warning: legal action" - Barclays

Ok so complain to FOS that they're refusing to accept a change of address and thus delivering legal threats to a known incorrect address.

State that you don't need to go into branch to do anything and thus refuse to do so, unless the bank pay your costs. But that not necessary as there's nothing that stipulates you MUST go in branch.

As for cca and being terminated - makes no difference. Send the OD CCA

[evilcartman]

Re: "Final warning: legal action" - Barclays

OK, have viewed the overdraft letter thanks.

They have already "terminated" the account, does this have any bearing on my CCA rights?

[Pixie]

Re: "Final warning: legal action" - Barclays

I'm not sure what you can do about the address but, like SXGuy says, someone will know.

Creditors have been known to issue summons for relatively small amounts. One user on here received a claim for less than £500

What exactly does the letter say? Have you sent the overdraft cca letter? allaboutFORUMS - View Single Post - Overdrafts - CCA Information

[SXGuy]

Re: "Final warning: legal action" - Barclays

Not sure what you can do about the Addess, others will.

However if your intention is to repay in amounts you can afford, do it now rather than waiting for a claim form, because you will then have a CCJ.

[evilcartman]

Just had a letter forwarded to me from my old address. It's from Barclays, threatening a CCJ over an amount that is below £1,000.

This account had an agreed £1,000 overdraft limit on it for over a decade and obviously this amount was within that limit.

A few months ago, Barclays arbitrarily decided to terminate this overdraft limit since I hadn't been using the account enough in recent months. I had taken my custom to another bank and a credit union for good reasons, as you'll see here.

I have been in contact with them about this previously and pointed out to them that I no longer live at that address and given them a forwarding address. They refuse to accept this address, however, unless I go into a branch with ID. Yet they're still happy to send correspondence to an address that they know I no longer have any connection with. They even admit this by having it as "c/o" that address on the letter.

I am not in a position to pay that entire amount in one fell swoop, as I'm still unemployed at the moment. I have got an interview for a very good job lined up in London, which would change my entire situation if I get it. But if I don't, then I'm going to have to find a way to hold them off with instalments.

First off, are they likely to issue a summons for such a relatively small amount or are they just huffing and puffing at this stage? If I do receive papers, presumably I can just put in an offer of instalments?

Secondly, what formal action can I take against this bullshit refusal to accept the address I've already given them?