Hi all, any advice would be appreciated - I have now recieved small GOGW credits on both barclaycard accounts that I am claiming on. I want to go for the rest is there any point in writing to them again before I commence MCOL or shall I just go for it? It's not a huge amount so I'm hoping they will settle. Is the POC format the same as for bank charges?
Also if an account is sold on to a collection agency after a GOGW but before the MCOL stage on a credit card (not barclaycard) should the defendant be the credit card co. who controlled the original debt and charges or the collection company.