Hi all I have posted previously and am in the process of defending a County Court Claim from HFO Services Ltd/Turnbull Rutherford regarding an old Monument credit card I had. I settled this account back in November 2006 and then left my parents home and unbeknown to me, both Barclaycard and HFO had placed defaults on my account. Barclaycard removed theirs and assured me that as the account was not showing up on their records it must have been settled. I relayed this to HFO but to no avail and they have now progressed matters to a CCC. Now Barclaycard tell me that they have no details of my account as they only bought Monument in June 2007. So who can I write to or call with regards to my account and getting some evidence. I have sent a letter to Turbull Rutherford as advised with my CPR request which they have received today (sent special delivery). Now what should i do? (Unfortunately the debt was paid by my father, who is now suffering badly with Parkinson's so it is very hard to get copy statements and the one I have was forwarded to Barclaycard!!) What should I do? Does anyone the history of Monument? Thanks.

If you rang Barclaycard, they will tell you anything,

BARCLAYCARD are the people to write to, full stop.

The Monument Card is Issued by Compucredit UK Limited,

Their registered number is 06032187 and registered address:

The Portland Building

25 High Street

Crawley

West Sussex

RH10 1BG

25 High Street is the Barclays Building.

Jogs

Barclaycard and Monument where the same company at least 5 years ago.

Ok so what do I do, Barclaycard are telling me this is not them, I even have a complaint against them regarding the way they have resolved this query. Is there anywhere I can find solid evidence? The detials are that I took out my Monument card back in 2005, and it was defaulted (incorrectly in my opinion) in Jan 2007 and then again by HFO in 2007. Who can I contact in order to find out the state of the account? Surely if Barclaycard have no record and as far as I know they are meant to keep records for 6 years, how can there be a case to answer against HFO??? HELP PLEASE. Thanks.

SAR Barclaycard.

Hi guys, so what are the chances that HFO have the relevant paperwork and what do they need in order to press their claim against me? I am sure I don't owe any money, but without my fathers bank statement what else can i do??? (long story re my father!!) Thanks.

refer to post 5.

Send Barclaycard a SAR!

Hi guys, thanks for all your help. Sent request to Barclaycard, but has anyone got any firm history for Monument please? Just need to know what happened to them between 2005 and 2007? Just that this debt case has now progressed to a County Court claim by Turnbull Rutherford on behalf of HFO Services Ltd. I just need to find out who actually has the full account details and would have the original credit agreement etc. Trying to build my defense case so any help much apprecaited. I have sent CCA to Barclaycard and CPR to Turnbull Rutherford. Thanks.

Cant get the link to work I thnk my browsers benn hijacked will post details of what site said. (link is going to Donald Duck?)

this states Monument was sold by Barclays in 2007 to another company.

I found this don't know if it will help you at all, and this is an excerpt from a site I found that says Barclays owned Monument in 2004:

'Debt that wouldn't lie down

Mrs F. M. writes: I am writing in sheer desperation. I have a default showing on my Experian credit file, registered by Cabot Financial. Cabot bought the alleged debt from the Monument credit card company. However, the debt I had with Monument was settled in March 2004.

The Experian credit reference agency is like a library. It stores information, but it does not write it or erase it. If anyone disputes the accuracy of their file, the best Experian can do is offer to add a statement recording this, and that is exactly what it offered you.

The material held by Experian is entered by firms that offer credit. Monument is one of these and in 2004 you owed £2,731. In fact, the card company accepted £1,798 from you in full settlement.

That should have ended the matter, but Monument failed to write off the balance in its books. The debt was sold to Cabot, which hoped to turn a profit by collecting the full amount from you. With charges, this came to more than £1,000.

I invited Cabot to comment, but it didn't. Barclays, which owned Monument in 2004, was more helpful. It got the new owners of the card company to dig out their old records and find the mistake. By now you will have received an apology from Monument and all references to the debt have been wiped from your records'.

Thx Lumi

Hi will this help

RAPHAELS BANK (CCRT UK)

CARD HOLDER ENQUIRIES

THE PORTLAND BUILDING

25 HIGH STREET CRAWLEY RH1O 1BG

good luck:)

MONUMENT credit card sold by BARCLAYS JUNE 16TH 2007 - Consumer Credit Support

ill try again

I give up, still Donald Duck!!!! Maybe try Googling it, not my day to day, Sorry Gunner! *sob*

Thanks for that so Barclaycard owned Monument up until 2007? Is that right? Thanks.

So

Mystery solved over Monument card

What it said:

"I have a Monument credit card. I have just been told by Barclaycard, which runs the card, that it is being transferred next month to Raphaels Bank and CompuCredit. Who are they?

WS, London

CompuCredit is a US finance company which specialises in "trailer park credit" - lending to those with poor repayment records. In April it paid Barclays £490m for Monument's 200,000 mostly active cardholders. Monument, charging high interest rates to its mostly less creditworthy customers, was previously Providian.

Raphaels is a little-known private bank, founded in 1787 and based in Aylesbury, Bucks. It has a UK banking licence which CompuCredit can use. It has savings accounts and some niche plastic card activities."

Barclays PLC (‘Barclays’) today announces the sale of part of the Monument credit card portfolio (‘the Sale Portfolio’). Barclays credit card and consumer lending business, Barclaycard, has agreed to sell the Sale Portfolio and associated servicing capabilities to CompuCredit International Acquisition Corporation and CompuCredit UK Limited, which are both subsidiaries of CompuCredit Corporation (‘CompuCredit’) for a consideration of approximately £390 million payable in cash. The consideration is subject to final adjustment following determination of the actual amount of the gross receivables sold. The consideration is expected to be finalised during the second quarter of 2007.

So sorry to be a wally, but who would hold the account details on this account? It was started in 2005 and defaulted in Jan/Feb 2007? I assume from previous posts that Barclaycard should hold account details? But they claim they can't find anything? They say the account was sold onto HFO Services, so does this mean that HFO services should have all the paperwork relating to this account? I know that ALL account information must be held for 6 years, right? Thanks