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hi there,
barclay card have sold my account to hfo, have not paid since 2007, acc stood at about £2300 inc. their charges etc.
i have asked b/card for refund of charges for £900 (inc. of 8% int)
today i recieved a letter from them, same usual comments about they believe they are fair etc, but as a goodwill gesture, they have offered me £300 which is difference in charges after £12 plus 8% int.
they said that they would knock this off the bill and amend it and inform the relevent agency (hfo)
the problem i have is : do i accept this, in which case i still owe hfo, or do i accept in part payment?
the other question is: hfo havn't as yet (for many months!) come up with a cca, so i will def. not pay them anything!
all has been quiet since i last sent them a harrassment letter, i have sent them a serious default letter due to lack of cca.
i know this is going to sound really greedy! but ... ...is there any way that b/c could not pay the money to me, as i did pay a lot of the charges
before the account was passed over and closed?
if not, i will be doing this, just for them to alter a few figures on my alledged debt! to a company who can't proove they own the alledged debt! and i could sure use the money!!!
don't mean to sound greedy, but any advice is most appreciated!
thanks
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi slick,
i'm glad you answered, as i wanted to let you know how i got on!!
this is the letter you said they would send me!
not really bothered that i can't have money, although it would be nice eh??
just can't see how b/c can alter debt as they don't own it now!!
anyway, thanks again
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Don't forget this £12 ceiling fee is only a RECOMMENDATION by the OFT, they have no clout to make it legal. They merely said that if a charge was above this £12 guideline they would be taking an interest. I bet your letter implied this was legally binding.
You say you included the 8% - I am assuming this is without filing at court. You can only claim the 8% when you file. Not too worry, it is only a small error and you arn't the 1st -or last person - to make this error. If it was only your prelim letter I suggest combining the rejection letter with the lba. Allthe best
If my advice has been helpful tip the scales
West brom SETTLED
Halifax current SETTLED IN FULL
halifax curent (2nd) stayed. Visa - SETTLED
2nd visa LBA sent
halifax for the 3rd time. LBA sent
Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice
Sainsbury's - Awaiting court date
Co-op cc SETTLED IN FULL 2nd claim. Settled in full
National Westminster Settled in full. 2nd claim. N1 submitted
HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL
REJECT their offer Send the letter I have ended up with 4xBC Accounts, 2 have agreed to repayment plans with no interest or charges and 2x have offered part settlements.......... have rejected them both, charges plus interest at 8%, what the heck, lol
hi all,
thanks so much for your advice.
i have asked hfo for the cca, and sent them the serious default letter, not heard anything yet, will put on here when i/if i do.
they are such a nasty company, but am not so worried about dealing with them, since learning all the time on here, nice to know that there are people out there , that are willing to help others and not for their own gain!!
wasn't sure who got the money if settled, as i have said b/c sold the alledged debt to hfo, but as yet, they havn't come up with the cca!!
i did have an idea that b/c would just take the amount off, but not really fair as i did pay a lot of those charges to b/c before it was passed over to hfo. really wanted to ask them to pay me by cheque he he he bit cheeky though !!
anyway, thanks again
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
the reason i am persuing b/c is that the charges they made and i paid before they put over to d/c really nasty company!
i have got a (really long!!) thread about this all called: Ooops!! Have Argued With Hfo, Not Sure What To Do Next!!
basically sent cca to d/c, and SAR to b/c results are b/c sent letter today, and hfo still have no cca, but they did send a letter saying they now own the debt! but like i said i have sent them a serious default letter, and am waiting for the time to expire, as i have heard nothing from them for a while! as they have already bought the debt, i can't see how b/c can alter it??
thanks for your help
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
please don't think i'm being rude, as you are helping me, but have to go to bed now as i have a really early start in the morning!!
thanks slick and noomill060
will catch up tom!!
hfo's response was a letter to state they now own debt,
just a straightforward letter!
then they decided to send the same letter to my brother in law!! i think to embarrass me!
waiting for response to serious default letter
all sent by rec del, and checked that recieved and also the electronic copy of signiture.
the letter was sent on the 24/01/09 and they signed for it on the 27/01/09
*****offer of payment!*****
, they have offered me £300 which is difference in charges after £12 plus 8% int.
...is there any way that b/c could not pay the money to me, as i did pay a lot of the charges
Reply With Quote
Re: *****offer of payment!*****
Originally Posted by redroo555
