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Diggedag

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  1. Dear everybody, Could you please help me with more advise?! In short, I have sent a SAR to Barclays and informed the DCA ('BMS') of this fact, whereupon BMS sent me another letter stating (quote) "If we do not hear from you then we will be left with no alternative other than to continue with our recovery action". From what I have learnt here (but I may be wrong), they are violating the fact that I am inw dispute with Barclays now, are they not??? I told BMS (the DCA my account was sold to) in writing of the fact that the account was now in dispute and a letter sent to Barcl
  2. Hi Ida, Thanks for reconfirmation. I agree and wasn't slow but rather too fast by sending the SAR to BMS. Now that they have come up with patches and unconvincing at that, I'll do as you have stated already twice. Thanks a bunch for your time and effort! Florian x
  3. I just 'discovered' this advanced mode and try it to make myself heard, if this it what it does. Thanks again, -F
  4. Hello, I am back. Maybe there is somebody to help me with my news? I sent BMS the SAR on February, 16, wereupon they sent me one back on February 23rd, saying that they would contact Barclays for the documents. I received a letter from BMS on 25 March. They included a 'Statement of Account', which covers a few months of 2005 (previous to the closure of my account). It does not include any indication of my overdraft limit - apart from the numbers, which Barclays put in there. They, furthermore, included a 'Deed of Assignment' - an Account sale agreement with a company called H
  5. Thanks to all of you so far! I think I will wait for what BMS can come up with and, if I am not happy with the documents, will contact Barclays myself. I shall inform BMS of this if/when the time comes, assuming that they will have to wait for me to gather the material they (potentially) failed to supply. I am sure that I will have to pay some money. How do I go about a settlement in the end? By mail or by telephone? Do I ask them to propose a payment plan? Would they have to consider that I am in fulltime education with a baby at home and with no taxable income? Many Thanks!
  6. Hello, I am back with some new information. First, I have sent the SAR to BMS, who sent me a letter back stating that THEY will get in touch with Barclays to obtain all the missing material. My question is how much time do they have no to comply as their initial reply was a) within the 12 required working days but, b) did not include any of the from me requested information? Second, to answer Pill Boy; as far as I know, BMS purchased the debt from Barclays. What is the difference between p
  7. I've got it all now. Thanks a lot! I will post the result here on this thread.
  8. Many thanks to all of you! Just the fact that you answered makes me feel better. Dear 42man, To whom do I need to send the Subject Access Request Letter? My guess is BMS, as they are 'handling' my account; but I am unsure. Dear Ida, The charges result from an overdrawn bank account. Problems being: a) I don't remember the limit, so have no idea as to the legality of the amount they charged; b) I stepped into Barclays one week after they closed my account (which I wasn't aware of at the time), asking if I could pay what was needed to get a new cashcard. The reply was negative. I
  9. In short: January 2006, Barclays sold my account to BMS. I had overdrawn but was travelling abroad not using my Barclay card(I don't use this as an excuse). Now, BMS are demanding payment of 705.42 pounds. They have, after a telephone conversation - how they got my number I do not know - got hold of some copies of my former bank account with Barclays but no other documentation. These documents state a debt of 646.55 pounds, which is 58.87 pound short of their, BMS', claim. Moreover, BMS has not supplied a copy of my initial agreement with Barclays. There was an agreed personal ove
  10. In short: January 2006, Barclays sold my account to BMS. I had overdrawn but was travelling abroad not using my Barclay card(I don't use this as an excuse). Now, BMS are demanding payment of 705.42 pounds. They have, after a telephone conversation, got hold of some copies of my former bank account with Barclays but no other documentation. These documents state a debt of 646.55 pounds, which is 58.87 pound short of their, BMS', claim. Moreover, BMS has not supplied a copy of my initial agreement with Barclays. There was an agreed personal overdraft on the account, the limit of which
  11. I believe, I have to revise my opinion of people in general. You have been very helpful, indeed, and kind of given me some reassurance. I will post my experience - whichever way it goes - here for people to read. Many thanks!
  12. Hello Martin3030, First, many thanks for your speedy reply! The company who called me is called BMT - that's what the representative said on the phone. I am sure that they recorded the phone call as the rep 'made me' state my name and address. How they got hold of my details is a riddle to me. I am entirely new to such a forum and thought that I had started a thread with this topic. I also do not know how to obtain a copy of my credit file (does this mean my 'credit rating'?) and will start a thread. Hope that's okay. Thanks a lot, again! I will try to locate the mentioned letters he
  13. In September/October 2005, I went traveling in Europe and came back in Jan/Feb 2006. I started work and went to Barclays to get another cash card. They had closed my account which had been overdrawn by me. Now some private company is approaching me for repayment. I have no problem with it in principle. However, they are claiming around twice as much as I owed Barclays. What can I do? (I have no problem with paying back what I owed - around £300, but they are asking for £700). Many thanks in advance!
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