Thread: barclaycard

someone said to post here as i need help.hi, wondered if anyone could help. i am a carer for my disabled wife and mentally disabled daughter. i used to work when my wife was my daughters carer but now she is ill and in wheelchair i care for both. well when that happened everything went topside as loans i had and other bills started to escalate into arrears. the first on i want to tackle is this b/card.
i do not have the card anymore as they have taken it away from me. im in debt to them. they have not passed me to a collector but collect it themselves. i have cca them. i recieved this back.
could someone have a look. thanks.







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i also recieved this later

aug/16th/2007

dear mr xxxxx

ac/no xxx
arrears under special arangement £22.31

you have not kept to your payment arragement agreed on the 24/10/06
you must telephone us imediately on the above number to advise us of your intentions for repayment.

if you fail to keep to future arangements we will have no alternative but to pursue further action.

yours sincerely
recoveries manager.

help!!!

Hi Ken,

As stated above, what theyve sent you is garbage and worst of all, they know its garbage.

But so do we.

Have a read through a few of the Consumer Credit agreement threads, such as this one-

http://www.consumeractiongroup.co.uk...cation-28.html

Start a new thread in the A

thank you so very very much everybody, i was getting worried as noone replied on other thread and someone kindly sent me here. i really appreciate the help. sorry if i dont post till late but hands are very full at times and dont get much time.

but with the leter dated 16/8/07 im a bit worried as they state procceedings will start.

dont now what to do next.

For a start- Dont Panic.

Things dont happen that fast. They MUST follow certain guidelines to enforce this, any court action is months off and they are just trying to bully you.

Three questions-

Have you recieved any letters or phones calls from a company called Mercer's Debt Recovery?

Have you recieved a Default Notice?

Have you been informed of a default being registered with credit reference agencies?

Fourth and VERY VERY important question:

Do you have your statements for this account- if not have you sent them a SAR in order to get them?

Please just answer these questions, it will make it easier to help you.

Remember rule 1- Dont Panic.

If your statements contain penalty charges for late payments and going over your credit limit you can claim these back as well as the interest you will have been [problem]med into paying on the charges.

This will reduce the total amount you may owe them. It may even be more than you owe them. In ither words, they may actually owe YOU money.

But dont get ahead of yourself and calmly answer the questions above.