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scoobydoo54

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  1. Thank you for your reply, Is the attachment I added not a suitable reply to the CCA request from them ? and can I do anything about them using the postal order against the alleged debt. Do I need to send another letter to them ? Sorry for all the questions
  2. Hi I will apologise for my spelling and grammar in advance as I'm dyslectic Back in June 2005 I took out a Barclaycard on a 0% offer and transferred my HSBC Balance of £1056 on to the card within a few months I became unwell giving birth to my Daughter and had to give up my job, I ended up missing a couple of payments and I telephoned Barclaycard and explained my situation and asked if the missed payments could be added back to the balance and I could then manage to stick to the monthly payments .. I was refused any help and worse advised that due to the missed payments that they had now removed the 0% offer so my next payment would include 2 missed payments, interest, charges + the next months payments. After this I never got back on track I did however stick to making regular payments but could not afford to clear the arrears and charges so each month I was getting charges for missed payments on top of the balance. over the years the debt was passed between their in house collectors and back to them but every time I carried on making a payment each month and asking for help but never got any. In 2012 I added up that I had received over £950 in charges + Interest on top & I had paid over £1200 off of the balance. Due to this I decided enough was enough I allegedly still owed Barclaycard over £1351... stopped making payments and sent them a letter explaining the issues I had had over the years and pointed out that I had more than paid back the balance I had transferred to them in 2005 and there was only a balance of £1,352,79 owing due to the fact that they had refused to help me when I had started to struggle 7 years previous. At the time I had managed to save £600 and offered to pay this to them in full and final settlement of the account which they refused in a final response letter. After that I did not contact Barclaycard again. 17th April 2014 - I received a letter addressed to myself from a company called Mkdp saying they had brought an account and balance and I should contact them! It didn't say who the debt was owed to or how much it was for so I just ignored it 28th April 2014 - Received a letter from mkdp saying they had not received an offer of payment, with a payment slip attached saying Barclaycard & £1,352.79 14th May 2014 - Letter received from mkdp stating still not received offer from myself 28th may 2014 - Letter received from mkdp stating still not received offer from myself 17th June 2014 - Final Notice from mkdp (£1,352,79) 25th June 2014 - I sent a request for a CCA & a £1 postal order direct to Compello Group (Recorded delivery signed for 27th June) 4th July 2014 - Response received - Balance showing the postal order had been deducted from the balance ! (£1,351,79) "Unfortunately, at this time we are unable to fulfil your request" .. ... "We will contact you as soon as we receive the documents you requested" ?? July 2014 - Received another final notice with 7 days to act (cant find it now to add the details) 5th August 2014 - Final Response received (£1,351,79) stating that I had requested the CCA by telephone.. . I've never once spoke to them !!! I've added a pdf with a copy of this response including a version of the alleged agreement (the first 2 pages of the letter are at the end 26th August 2014 - Letter received from Raven (£1,351,79) "Owing to you not having a payment arrangement in place with mk rapid recoveries they have instructed us to collect the outstanding balance you have with them" I'm stuck now what do I do next ???? Thank you in advance for any help
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