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refunding unfair OD charges - only to reduce debt that has already been written off


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Hi there.

I wonder if anyone has had the same problem....

 

I had an account with Barclays which I had a high overdraft on

due to being a single mum I was unable eventually to maintain it.

When Barclays changed their OD charges, I was paying huge amounts every month.

 

I went into the branch and explained my situation and after some phone calls, I was advised the account would be closed and debt written off.

 

I was advised that I would probably receive some debt collectors letters but I was not to worry too much as this should stop after one year.

 

I occasionally receive a phone call from a debt collector, after I explain my situation- they call off.

 

Imagine my surprise when I received a letter from Barclays saying that they will refund me £1,373.75 because “they feel they did not meet their standards for assessing customers like me”...

.however, I will not actually receive this money back as they have applied it to the account to reduce what I owe them.

 

My question is

- are they allowed to do this as they have clearly already sold the debt on to a debt collector and informed me they wrote the debt off.

 

Does anyone know where I go from here please.

 

Thanking you in advance.

:cheer2: Pretty Princess Charlie :cheer2:

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how do you know they sold it on

did you get a notice of assignment?

 

I doubt they did, hence the refund.

they wouldn't bother if they didn't own the debt to even investigate it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'd be interested to know if the debt itself was comprised of charges or was the result of charges

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