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hi
could anyone give me some advice please.
My barclaycard account was closed in sept 2006.
In 2008 they sold it to LOwell Portfollio who I am paying. The account owed £700.
If I claim my charges will barclaycard send me the full amount of charges they refund or will they deduct it from the amount owing even though they have sold the account and so are no longer the holders of the debt
your comments would be helpfull
bob
HBOS paid my claimed charges back to Lowell when I won my claim, I have since been advised that you can ask them for a cheque, made out to you.
It's your money and you should decide how to spend it,
They will try to tell you different, but stick to your guns and continue with your claim if they do not comply.
It's been done many times before, successfully
Regards.
Scott.
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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
hooray they have agreed to pay back charges with interest.
But they have said that they intend to pay it to Lowell who hold the account, even though I asked for a cheque to be paid to me, surely they cannot pay any money owed to me to a third party as they sold this debt to lowell and surely therefore have no hold on it, and if I contacted Lowell to make a one off payment they would offer me a huge discount.
So can I go back to Barclaycard and insist on a cheque to be paid to me.
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
Thanks for your comments,I have written to BC demanding they send a cheque to me and not a third party.
I owe Lowell £656 and BC have offered me £832
I have a letter from BC stating that they sold the acoount to Lowell on the 25/07/2008.
No I did not send any request to either for a cca
In the circumstances, would you not accept a set-off of the balance against the refund so get a net refund of £176.
This would clear the debt, which you said you are still paying.
Of course, it's up to you, and you have the right to seek a full refund so you could, for instance, make a pro-rata settlement to several Creditors and not just Lowells.
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.
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
just an update I wrote to BC requesting they pay me and not a 3rd party no response so have now sent a 2nd letter informing them if I do not receive cheque within 14 days then I shall instigate court proceedings, which I have every intention of doing
bob
If I have to continue with my original plan, if BC dosent pay me what would be the best way to fill the court papers because they have agreed to repay my charges but not to me
any ideas
bob
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
received a letter from BC today saying to contact customer services with my bank details and they will transfer my refund £831.48, phoned customer services and was told yes they will refund the difference from the amount they pay to Lowell.
I told them that it was totally unacceptable and will have no other course than to issue court proceedings.
So it seems that is the course to go
bob
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
BC have offered to pay charges to Lowell I have said no.
Issued court papers they have responded saying intend to defend and also wanted it struck off for wasting the courts time
Now received court date of the 28th September for a 20 minute hearing
should be interesting not sure what to say but I will have a go
bob
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