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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Hi all,
Just thought I'd let you all know that after winning some money from HBOS I'd go after Barclaycard.
I had two Barclaycards (well, one an actual Barclaycard, and another was a Littlewoods Visa). Both had a small credit limit of around £300 each. I paid off the Littlewoods one last year, in full before I found out about these charges, but the other is sitting with a balance of about £589 (with a credit limit of £300, go figure!)
So, the barclaycard got sent to mercers Debt Collections (part of barclaycard), and I was paying about £30/month to them, but stopped when I found out about the chrges (maybe shouldnt have, but did), so they sent it to RMA (outside collections agency) and I told them to stick it, wrote them letters telling them to stop contacting me as I had sent away a SAR, and the account was legally in dispute etc. They wouldnt stop, so i phoned Barclaycard, who were actually helpful and stopped RMA from chasing me. This was all back in January.
Got two letters about a fortnight ago. One from barclaycard, and another from littlewoods. Identical letters, with a different logo at the top, saying it was going to take them longer than the 40 legal days to reply, bla bla bla. I ignored them, and though, well as long as I get them, I don't care.
Yesterday, I got a letter from none other than CABOT!!!!! Included was a letter from barclaycard saying "We have sold your debt, good day!". I went absolutley balistic. I was fuming. In fact, words could not, and cannot describe how livid I was. Picked up the phone, dialled Barclaycard, and got some guy on the end of the phone. I litterally said "I want the DP team". He said he could help (which was probably a mistake, LOL!) I just started shouting like a man possessed about the account being "In Dispute", and "40 legal days". Eventually I gave the guy my account number, and he said he'd look into it. I was still ranting and raving, shouting "Oh, its fine for you to flout the law by sending me a letter asking for more time, but I need to pay the balance to CABOT!"
So..... He said he'd phone me back today... Can you believe he actually did!? He said I will hear no more from Cabot, and if I do, I have to contact him immediatley. He also said, that when i recieve my statments, which *will* be within a week I have to phone him to discuss the charges. (I won't though, I'll just go the normal route)
All this has me thinking though... Im being way too soft here. I could have chased them ages ago for the statments, and I could probably take them quite a long way on sending the account to Cabot, especially with the stupid letter telling me what they've done!!! I'm going to see how it pans out though!!!
Feels better to spout all this in here, letting off steam... No one else understands what I'm talking about, LOL!!!
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
Just had a text to say that a load of statments covering two card accounts arrived this morning, along with a "We can't supply due to microfiche" letter...
This is going to be fun
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
Are you a force to be reckoned with? Glad I don't work for them or I'd be off with stress talking to the likes of you............
Cabot are Barclaycard's in house collection agency arn't they?
Do you need to do lots of reading or are you a cool dude who knows where his towel is? I'm only a little bit ahead of you but perhaps I should refer to you as The Master. Don't get mad - get even. Sally
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
I'm not really a force to be recokoned with, and frankly, I don't have a clue what I'm doing. I'm really just making it up as I go along, but it's getting me places!
The statments recieved yesterday, are only for the Littlewoods card, and of course due to the whole microfiche thing, there are loads missing, but I've still managed to calculate £400 in charges from the statments recieved.
I'm going to send a letter today giving them 7 days in which to fully comply or its court time. This will be for both accounts, including all microfiche data. They've actually had way too much time on this now. I sent the SAR in Januray!!!
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
andybhoy V Barclaycard... an adventure!
I'd go after Barclaycard.
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