HELP - Barclaycard have sold me on!!!

**Bluefairy** · 29th March 2007 21:21

Can somebody help with this this please?

Making claim against Barclaycard. Got statements (eventually - but thats another story), meanwhile Credit Solutions trying to collect on behalf of Barlcaycard. Just before christmas, Credit Solutions advise Barclaycard will reduce debt by 45% (but apparently thats as far as they go!). Credit Solutions then tell me file is going back to Barclaycard. Nothing more is heard - let sleeping dogs lie thinks I, while Im dealing wiht RBS icon

and Abbey

.

Now got letter from HFO Services Limited advising that Barclaycard have sold the debt to them and that " As a property owner your account is being dealt with by a specialist division at HFO which deals solely with the needs and responsibilities of home owners in debt."

I interpret this to mean they will attempt to obtain a charging order asap. also they do not right off debts or any part thereof! Charming!

How does this leave my claim against Barlcaycard - can they just avoid their responsibilities by selling the debt to a factoring company? Does anyone know of a relationship between HFO and Barclaycard?

Any help and advice urgenlty required as apparently they will "...puruse this matter with or without my cooperation"..

What do I do next then?

big mmwwahh to you all

Blue fairy

**buggerlugs1** · 30th March 2007 12:25

Bluefairy,
I am no legal expert, that said however, I would very much doubt that Barclays icon

can obviate their legal responsibility for imposing penalty charges on your account simply by selling or transferring the debt.

To my mind, its a bit like someone driving a car that they know to be un-roadworthy, having an accident and then selling the car on and trying to blame the accident on the new owner. As far as I can see, the original owner would still be responsible for the accident, irrespective of who now owns the car. I would say that the same would apply to your claim against Barclaycard; Barclays have charged their unlawful penalties, they have had their pound of flesh, so go get em. However, don't expect a speedy resolution, it took me six months to bring Barclaycard to book...

Good luck!

Buggerlugs

**Curlyben** · 30th March 2007 12:33

Don't panic these are just scare tactics.
As the account is in dispute icon

they cannot collect.

send them this letter:

ACCOUNT IN DISPUTE

Dear Sir/Madam

Re: Account Number: XXXXXXX

I would like to inform you that the balance of this account is in dispute with the original creditor.

Therefore I consider this account to be in dispute and no further action shall be taken until this matter is resolved

I look forward to hearing from you in writing.

Yours faithfully

Blah

That should keep them quiet while you persue Barclays icon

.

If they do come back with something similar or other threats then CCA them to make sure they have ALL the correct paper work to persue this debt.

Hope this helps.

**Bluefairy** · 30th March 2007 17:56

Thank Buggerlugs and Curlyben for your advice will proceed as instructed

over & out!

blue fairy

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