Barclaycard wont accept payment.

[circatrova]

Hello Everyone,Iam as green as grass really,and have a problem with Barclaycard not accepting my offer of payment and also applying interest which is more than my payment.I have written to them by recorded del 3 times since Jan asking them to accept my offer of payment and they have just ignored every letter.Totally frustrated with with calling their customer services and getting India,where the level of training and consequent service seems to be inadequate.
Do I need to find a thread fro Barclaycard,
Please help any advice greatly appreciated,

[freakyleaky]

Hi Circatrova and welcome to Cag.
Here are a few useful links How do I guide to the forum, the A to Z Index , site rules and the FAQ's.

I will move your post to the barclays forum where you will get all the help you need.

Just shout if you need any help.

[circatrova]

Thank you for putting me in the thread,do I need to be in Barclaycard,as it is a barclaycard problem,or is Barclays bank classed as the same?
Also any idea how long it takes to get a response.
Thank you.

[slick132]

Hi Circa and welcome to Barclays - we'll get this moved into Barclaycard where it belongs.

In the meantime, please give us a quick history of your problem, eg have you suffered and/or reclaimed any penalty charges on the account, are you being chased by a DCA (debt collection agency), roughly what do you owe BC and what have you offered them.

Do you have your a/c state's for the last 6 years and have you asked BC for yourCredit Agreement for the a/c.

[circatrova]

Hi,thanks for initial help Slick,
My problem is that Im have been on a payment plan for 2 yrs,and in January asked for a reduction from 10pounds per month to 5 pounds.
I wrote 3 letterrs all recorded asking for confirmation that this was ok.
Barclaycard just ignored all my letters but started ringing up asking for more money and threatening me with DCA.
I hAVE 2 B/C accounts both owing about 2.5k,on each,have never missed a payment,but cannot afford anymore.They have now added interest that is more than my payment so the debt willjust increase.
I have not asked for a CCA,would this benefit me ?,if so how,is it because debt is unenforcable if they annot privide one ,also how do I tell if it is correct what should I be looking for?.,and then what would be a next step

Any help appreciated

[Bookworm]

2 threads merged. In future, if you click on your own username, you can then click on "find all threads by..." so you can find your own threads again (you only have 1 now so shoudl be easier).

If you have problems navigating your way round, may I suggest reading this?

"How do I...?" A Dummies' Guide to this Forum

I need to update it a bit because of the recent software update, but most of the stuff is still relevant and it might help you in the future.

I'll leave you to Slick's ministrations for the rest.

[slick132]

Hi Circa,

Send off a CCA request. Yes, as you say, if they don't respond with the correct document which complies with the regulations, the debt is legally unenforceable. We will get their reply checked over for you.

If they DON'T comply, you can then repay the debt at a rate that suits your circumstances.

Use Letter N from here - http://www.consumeractiongroup.co.uk...templates.html

Adapt it to reflect your case and send to BC with the £1.00 fee. Send it Rec'd Del'y or get a (free) Certificate of Posting from the PO. Keep copies of all doc'ts and letters in case they are needed.

If you've suffered penalty charges, you can reclaim these to reduce the debt you owe BC. Read the Reclaiming Charges Guide in Link No1 of my signature below.

[circatrova]

Thank you Slick,will do as suggested and get request for CCA,posted off,only trouble is I dont know what to look for in the reply ,ie if it is correct or not,any how,many thanks and will update you when I get a reply.Suspect they will be able to provide one as the accounts are only about 5yrs old.
Do you know the best address to send it to?.

Much Appreciated.

[slick132]

Hi Circa,

Send the CCA request to:-

BARCLACARD.
PO Box 5592.
NORTHAMPTON.
NN14 1ZY

If you scan the reply and post it here with your personal details, a/c no, etc blanked out, we'll get it checked for you.

They will provide a document, but whether it complies and is enforceable is another thing entirely.

[circatrova]

Thanks Slick,wil report back with reply.

Kind Regards

[circatrova]

Hi Slick,Update

I posted the CCA request off as instucted ,posted on July 7th and 12th day was up by 23rd by my reckoning.
Not heard a thing,I know from research on the forum that there is then a wait of another 30 days,and then it is an offence is that correct?
Can you please advise me of the best next step?

Kind Regards

[slick132]

Hi Circa,

Their failure to reply so far means they are in default. The effect of this is that they must not:-

* Demand pay't from you.
* Add interest or charges to the a/c.
* Sell or pass the a/c on to a DCA.
* Pass on info about the a/c to a CRA.
* Register a default in respect of the a/c.

Sit tight now and see if they respond, and with what.

[circatrova]

Hi Slick,
Thanks for your prompt reply,oh well that sounds positive then,lets me me feel alot less anxious that they mustn't
* Demand pay't from you.
* Add interest or charges to the a/c.
* Sell or pass the a/c on to a DCA.
* Pass on info about the a/c to a CRA.
* Register a default in respect of the a/c.

Thanks again for your help,will do as you say an sit back and wait.
Will report back whe the 30 days is up.

Kind Regards,

[slick132]

Correction - Following changes to the Consumer Credit Act this year, the Company no longer commits an offence by not responding after a further 30 days.

This changes nothing for your case, so sit back and wait for their next move.