Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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Hello. I'm new to CAG.
Client of Barclaycard for 30 years.
Now having big bust-up
B'card bough, from Goldfish, my old Morgan Stanley Card account.
I work abroad.
B'card refuses to communicate by email.
I refused to make further payments to the old MS Card and my Bcard MasterCard until I got to the bottom of what precisely Bcard had paid for my account, since it was sold to them without my consent.
Bcard never replied to the request, and have now handed the MS card account to a company called first credit that has posted a default on my credit file.
Bcard has now handed the Mastercard account to company called Robinson Way that has begun to harrass for payment.
I have asked repeatedly, all 3 companies to explain their legal position.
Bcard told me in writing that the debts were sold. but would not tell me the sales price
First Credit and Robinson Way continue to maintain that they are simply Agents for Barclaycard.
they will not divulge what they consider financial sensitive material.
as these accounts have now been past to 1st crud and robbingscum way, I would suggest the best thing to do in the first instance is send each DCA a cca request to make them provide the agreements, and also send Barclays a SAR request for all details of the 2 accounts
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
Further to PGH's comments, Morgan Stanley (MSDW) a/c's were taken over by Goldfish who were in turn taken over by BC. As these were commercial take-overs or transactions, I would say your a/c, along with thousands of others, was bought with no specific value relevant to you.
This is different to when BC sell a defaulted a/c to a DCA for a very low percentage (less than 10% of the a/c balance).
In either case, I think the amount paid for the a/c has nothing to do with you on an individual basis. More importantly, BC's failure to tell you this does not put your account into a valid dispute.
So the a/c balance will be pursued by BC or DCA's and you will be defaulted because of this.
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.
Barclaycard collection
.
that has posted a default on my credit file.
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