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Hi
on 08/01/2018 I gave Barclays notice that I wish to terminate my HP Agreement with them. I refused to sign there paperwork that they sent me as it states "The debtor understands that the vehicle will be inspected in line with BVRLA guidelines, the debtor will remain liable for any repair cost incurred should the vehicle not meet these standards and the costs will need to be paid by the customer prior to their liability to Barclays Partner Finance being cancelled".
They then refused to accept the termination unless this document was signed. Eventually this was passed to there Stage 2 Escalation Team who refuse to speak with me every time I call. Today will have been 3 weeks since I gave them notice in writing and by phone yet they keep saying my agreement is not yet terminated and that I still have to make monthly payments otherwise I will Default. I have send 7 letters by email and also copies by post and all they keep saying is they have 40 days to get back to me so are just refusing to help me on the phone as apparently there is no update from the complaint handler and he never seems to be there when I ask to speak with him and never calls me back when they say he will. Also they refuse to give his direct email address.
I handed the car back this morning to my local Manheim Auction and was advised an inspection will be carried out at a later date and sent to Barclays. However what now worries me is that my next monthly payment is due tomorrow and I have cancelled my direct debit and they are now saying that I will Default if I don't make the payment tomorrow. They are also saying that if there are any damaged outside BVRLA's guidelines for Wear and Tear then I must pay these charges in full before they will accept the agreement otherwise my account will keep Defaulting each month and this will affect my credit score. Based on the BVRLA guidelines I don't think there is going to be any charges as the car is in good condition but this still concerns me that I am going to Default all because they are refusing to reply to my letters, emails and phone calls and have dragged this process out over 3 weeks when it could have been resolved with in a few days if this so called complaint handler would actually reply to me instead of just saying "We have 40 days to try and resolve the issue" because that's 40 days of paying Tax & Insurance that I should not have to do when I have terminated the agreement. Also if 40 days passes, that will then be 2 defaults on my credit score.
I really need help with this, I have spoken with CBA & the FCA, both of whom were very unhelpful as they don't seem to know the correct legal processes around this so any advice form yourselves would be really appreciated.
Many thanks
Mick
on 08/01/2018 I gave Barclays notice that I wish to terminate my HP Agreement with them. I refused to sign there paperwork that they sent me as it states "The debtor understands that the vehicle will be inspected in line with BVRLA guidelines, the debtor will remain liable for any repair cost incurred should the vehicle not meet these standards and the costs will need to be paid by the customer prior to their liability to Barclays Partner Finance being cancelled".
They then refused to accept the termination unless this document was signed. Eventually this was passed to there Stage 2 Escalation Team who refuse to speak with me every time I call. Today will have been 3 weeks since I gave them notice in writing and by phone yet they keep saying my agreement is not yet terminated and that I still have to make monthly payments otherwise I will Default. I have send 7 letters by email and also copies by post and all they keep saying is they have 40 days to get back to me so are just refusing to help me on the phone as apparently there is no update from the complaint handler and he never seems to be there when I ask to speak with him and never calls me back when they say he will. Also they refuse to give his direct email address.
I handed the car back this morning to my local Manheim Auction and was advised an inspection will be carried out at a later date and sent to Barclays. However what now worries me is that my next monthly payment is due tomorrow and I have cancelled my direct debit and they are now saying that I will Default if I don't make the payment tomorrow. They are also saying that if there are any damaged outside BVRLA's guidelines for Wear and Tear then I must pay these charges in full before they will accept the agreement otherwise my account will keep Defaulting each month and this will affect my credit score. Based on the BVRLA guidelines I don't think there is going to be any charges as the car is in good condition but this still concerns me that I am going to Default all because they are refusing to reply to my letters, emails and phone calls and have dragged this process out over 3 weeks when it could have been resolved with in a few days if this so called complaint handler would actually reply to me instead of just saying "We have 40 days to try and resolve the issue" because that's 40 days of paying Tax & Insurance that I should not have to do when I have terminated the agreement. Also if 40 days passes, that will then be 2 defaults on my credit score.
I really need help with this, I have spoken with CBA & the FCA, both of whom were very unhelpful as they don't seem to know the correct legal processes around this so any advice form yourselves would be really appreciated.
Many thanks
Mick
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