Thread: Barclaycard CCA & Full and final settlement offer

Hi Benboy,

I wouldn't hold your breath on this one. You've seen how BC drag this out, on other threads.

Let us know how it goes .........

Hi BB, I moved the above post from the BC Stickies which should not be posted on unless adding usefully to their content.

Don't worry about the address you used for the CCA request. It's only critical to use their correct trading name and London HQ address when filing court action against BC.

I normally suggest using the statement address while others say use the Co Registered Office.

You'll get a reply but maybe a few days late. Given it's the silly season, there may be delays anyway.

Hi Benboy,

If your BC a/c is delinquent and you pay this £10K into the Barclays current a/c, they WILL take whatever is o/s on the BC a/c using their well-established and well-used Right to Set-Off.

If you don't want them to help themselves, use the cheque to open a non-Barclays a/c.

Or pay BC what you owe them and start to clean up your credit record.

I can almost guarantee they will take the money from your current account.
Dont trust Barclays at all !
Going on my experiences i would advise you to change your current account as soon as possible.

Delinquent = a/c being in arrears or outside their terms of use.

If you are paying through a dmp and keeping to the arrangement, that's why they don't take money from the c/a at the moment.

But if they see a hefty credit go into your bank a/c, BC and Barclays will have been in touch with each other and there is a risk of a Set-Off.

You may be quite right, that the a/c has not been Defaulted but, if you are in a dmp, I assume you've had trouble keeping to the payments which would have been normally due on the a/c.

My point is this - if BC nab your money, you will not see it again. You can argue with them till the cows come home, but they'll have your money and close the a/c if they get a chance.

Originally Posted by Mitch524

From reading previous post BB I have noticed that they will freeze your bank account and take payment from it. Don't know how quickly they act regarding this but I am in a similar situation re Skycard and holding a joint Barclays account and have been advised to move money elsewhere. I CCA'd them in November nothing sent to me yet and so far no payments taken from my acount as yet. Keep meaning to go to branch and remove my name from joint account.

I'll keep you posted.

Yes mine used to be Skycard too, now become Barclaycard. I delibrately didn't CCA them because of my current account with them (as advised on CAG) but I never realised they would do this. It is encouraging that they have not taken your money straight away! Thanks for posting. I will try to get another account asap and move my money, however, I know I can't go to Natwest and RBS due to me claiming bank charges and had an unpaid overdraft facility prior to my dmp (paid off with bank charge refund) and I was declined an account by Natwest a few years back... I believe it to be connected to RBS now. I think I will just have to go to the bank when the cheque is cleared and take out as much as I can. Is there a limit to what you can take out over the counter?

I am pretty sure that you would not be turned down from opening a savings account with another bank. You can then put the money that you do not want Barclays to touch in there.
I used to go and draw out all my wages on pay day so that Barclays could not touch them but unfortunately , due to work commitments , i was not quick enough with my end of december pay and that is when Barclaycard pounced and took over Half of my monthly pay !!

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How Annoying - I posted earlier but must've mucked up somehow. I think I said .........

Well, if it's been paid in already, we'll just have to see what happens. Worst case scenario is they nab it, and that's an end to the BC debt.

Are there any penalty charges on the a/c which you should reclaim.

If you want, go into your branch when the cheque's cleared and withdraw the amount in cash. Then use that to open an a/c elsewhere. I believe the A&L (now Santander) may be useful.