Ignore it? Won't that just cause them to issue court proceedings, or is it just more idle threats? Additionally, I notice in their letter, they say the original agreement was dated 26/10/1998 (although they still haven't provided a copy of it, signed or otherwise), and that their client 'Hoist Finance Holdings' took it on dated 5/9/2018. What's interesting is that my first letter from anyone after Barclaycard themselves was from Hoist Portfolio Holding dated 7/1/2017, which is considerably earlier than when they say they took it on? I received a letter on the same date from Robinson Way. Following this, I have many letters from RW, until 1/8/2017 when they switch to Moorcroft Debt Recovery, before switching back to RW on 19/12/2017 Not sure if any of that is relevant or changes anything.

I posted previously about a Howard Cohen Letter of Claim Having followed all the advice, they went quiet for a while. In the last couple of months, they since started sending the same standard letters again. Today (4/3/20) i received another Letter of Claim, dated 25/2/20 Should I ignore this 2nd LoC, or respond with same as I did last time?

no idea... just paranoia I guess

I guess that they've played some sort of trick and I end up in court having to pay loads of money?

So I just ignore it?

I took the advice of people here and sent a CCA request for the original agreement and statements etc. I had a reply 2 weeks later saying that they were processing my CCA request, and they returned my postal order. Well today, August 17th, I received a load of statements from them dating back (as far as I can tell because they aren't in any order) to 2011. There's no credit agreement, despite the covering letter saying there is, and the account should date back to 1999, so there's 12 years of statements missing on top of that. So what should be my next step? They've given me until September 13th to respond.

I'll check it out I don't have any other debts that would be sold on

The letter I sent said 'statutory period', and I wasn't entirely sure what that was. Funny that you say they're likely selling it on... I just received an email from Lowell saying that they need me to get in touch with them as they've been trying to reach me

How long do they have to come back to me with everything I've requested? It's been over two months now.

Little update... yesterday I received a letter back from Robinson Way saying that they are processing my CCA request, along with my postal order because apparently it's not necessary.

Yup, all the things

Interestingly, I received a letter today from Barclaycard themselves saying that due to them reviewing their operating procedures, they hadn't met there expected standards when dealing with me and as such, were instructing Hoist Finance to reduce my outstanding balance by £720.61, which actually brings it pretty close to what I think my original credit rating was. I don't think this has an impact on anything as far as my response to the Howard Cohen Letter of Claim, which is all ready to go with a postal order attached tomorrow.

Thanks, that was useful

Thanks for the reply. The last payment was in 2016 over the phone to Barclaycard, so only 2 years or so. What do I do about the form they sent me?

Could do with some advice on the best way to proceed... In 1998 when I first started college, Barclaycard came to our freshers fare and I was told if I signed up for a credit card, I'd get a free mobile phone. as an 18 year old, and with mobile phones being a new thing, I obviously did it straight away. Being so young, and not very clever with money, I took the precaution of setting up a direct debit for the minimum monthly payment, so that at least if I forgot to pay it off, I wouldn't keep adding to my balance. As time went on, the card itself stopped getting used, and became my 'emergency card' because Barclaycards are accepted everywhere right? Fast forward to 2012 and I moved to my new flat, and change all my addresses on all my accounts. I remember seeing 1 or 2 statements following the move, but at some point they stopped, and because I never used the card, I didn't even notice. In fact, I didn't even have the card and don't remember the last time a replacement for an expired card was event sent. Around 2014/2015 I started getting phone calls from Barclaycard saying that I was in arrears on my account. This was a shock to me, because although I knew there was a balance on it, it was paying out an amount each month. Turns out the minimum payment isn't enough to cover the interest, and over time the balance had got higher and higher to the point where it was over it's limit! I phoned up and payed a few hundred pounds to get it back under, which the advisor said would sort it all out. I asked about statements, and was told that I'd signed up for online banking. I wasn't aware of this, and not having the physical card, or any passwords made it rather difficult to log in and keep abreast of my situation. They said they couldn't give me the passwords for security reasons. This repeated itself a number of times with me going over my limit, getting phone calls, then making a payment, purely because they say so, and with me not having any access to my account to maintain it. Eventually, I said enough is enough, and if they can't give me access to my account details, then I'm not going to pay them any more money. That was in 2016 and in September of that year, a default was added onto my account for £244.57, to be paid before October. In late October, because I told them I wasn't paying until I could properly manage my account, I received a bill for the total balance of £2382.24, which if I remember correctly, is significantly over the credit limit of £1500-1750 (I forget exactly what it was). In January 2017, I received a photocopy of a letter from Barclaycard (I say that because it was black and white, rather than colour like I'd had before) saying that my account had been transferred to Hoist Portfolio Limited on 16th December 2016, and that they'd appointed Robinson Way as their servicing agent. From then until June 2017 I was sent regular letters by Robinson Way, when they stopped for a couple months. In August I started to get letters from Moorcroft Debt Recovery with all of the same discount offers etc. In December 2017, it switched back to Robinson Way. Last week I received a 'Letter of Claim' from Howard Cohen Solicitors sent in accordance with the Pre-Action Protocol for Debt Claims. As far as I can make out, it's all done correctly, so it appears as though their intent is to take me to court - which I'd rather avoid obviously. I'd also like to not pay any money (wouldn't we all!). Interestingly, the last letter I have from Robinson Way is dated 3/9/18, and the letter from Howard Cohen says they've purchased the account and it was legally assigned on 5/9/18, which implies that my account has been passed around between them a number of times over the passed couple of years. I have until 18/11/18 to respond. I understand that I can't just ignore them anymore, and I need to send the form back. The reason Barclaycard sold the debt, was that I challenged it. I've probably paid the balance off multiple times in interest, and I feel that it's underhanded of them for minimum payments to be less than is required to stop the balance rising, coupled with their refusal to give me access to my account. So do I pick 'Box D' and say I dispute the debt, given that this acknowledges the existence of the debt, or 'Box I' that I need more information, on the basis, that it was a lack of information on the debt that cause me to default in the first place? Sorry for the wall of test, but I wanted to try and cover everything. Any help would be greatly appreciated!