Thread: Barclaycard CCJ with Hlcf Limited

Hope someone can help.

At the start of the year Barclaycard paid up (£290.03) in charges on a closed and defaulted Barclaycard account of £508.00.

2 months ago we recieved a letter and court documents from Hlcf Limted who were taking us to court for the full amount (including interest and court fee of £80) of £694.38 on behalf of Barclaycard.

I subsequently sent of my acknowledgement and my defence. and what I believed I owed (minus the £290.03 that Barclaycard paid up).

We have now recieved a Judgement for Claimaint for the full amount.

I phoned the Court to ask why this was, as I sent in a defence, they stated that they never recieved my defence, and I have to pay the full amount. (I did not send the letter recorded delivery, my mistake).

Now, to say I am unhappy is an understatement. The court said I can pay £65 and send in an application form to put in a defence, or send an application to Hlcf limited to pay in instalments.

What I want to do now, is file in the county court against Hlcf for £290.03 plus my court costs as Barclaycard paid this to me as these were charges on this account. Is this the best way round this to get the CCJ reduced to the correct amount? Or pay the £65 and put my defence in again? or send a letter to Hlcf outlining the payment Barclaycard already made to me and that I intend in filing at Court for my £290.03?

I don't mind if they credit the £290.03 against the CCJ, but I find this very unfair.

Look forward to any advice.

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Hi David

I am slightly confused by what youhave written. When you said Barclays paid up, did they send you a cheque (as the account was closed) or did they say they would take it off the balance? Either way, do you have the offer in writing?

Hello,

They sent a cheque to me, and I have all of the paperwork.

Thanks for your help.