Hi There,I recieved exactly the same letter recently and i will be using your template to reply, i have a couple of queries, firstly do i send a £1 postal order aswell? and also, i recieved a letter from Wescot regarding the same 'debt', i sent them a letter asking to provide me with details on the debt and they sent me a letter back stating they have recieved instructions for there client to withdraw the account and therfore i should recieve no further contact from Wescot in relation to this matter. they also sent my postal order back.Should i send a copy of this letter to Debt Managers Ltd aswell?Many thanks in advance.....

Can i just ask as i'm in the same position, if B/Card send the letter confirming it is SB, do you then send a copy to Roxburgh??

Thank you for that, there is nothing on my credit report from them and certainly i haven't been in any debt whatsoever for the last 6 years so my guess is as good as yours

Hi There, I recieved a letter a couple of weeks ago from the above, saying," We have made enquireies for confirmation of you current place of residence. Information has been recieved confirming that your address details have changed to this address. Due to data protection legislation details of the account are not included in this letter. Please call us immediately on 0845 8386017 quoting the refernece for more information. Yours sincerely..... Any advice would be gratefully recieved

Hi everyone... AGAIN.....i didn't recieve anything from Barclaycard in writing to tell me the last payment was June 2005 there SB. I really need this removing from my credit file now as i'm applying for a mortgage (credit score is excellent though not sure if that has any weight) so going to call Barclay Card tomorrow to ask for the letter, also can i send that letter to Experian? as the 'Date of Default' is incorrect on my file will Experian take notice of the letter????

I concur!!

Okay, emailed Barclaycard requesting what they had verbally told me this morning In writing, referred to the woman I spoke to and that she gave me the email address, also sent SAR request with ten quid postal order, to doubly make sure, scanner arriving tomorrow!! Dubious about using the scanner at work so will scan all the letters and post them on here before the weekend, this is an epic!!! So if Barclaycard come back to me with last payment June 2005 does that make it SB? thanks again everyone for your invaluable advice!

Okay just spoken to Barclaycard, last payment was recieved June 2005, Sold the debt to HFO Capital in Sept 2006, I'm receiving lettes from HFO Services does that make a difference? also the lady i spoke to was particularly concerned about the 'spurious' letter ive recieved and she wants me to scan and send her a copy, should i do this? she said she's made a note on my file ALSO... she said the outstanding balance was £907.55 NOT £953.55 as stated in the Barclaycard head letter, any advice as always would be gratefully recieved.

Do i send a postal order? and who do i make it payable to? and should i send the letter recorded?Thank you

That SAR letter states they are already communicating with me at my current address and that i should be claiming back my £10 fee which i don't think i should be??!! or should i?? can ammend this letter without invalidating it's legal standing???

I could scan it from work??!! bit dodgy though....... i'll see what i can do tomorrow.....

Oh crikey no i didn't my PC has gone crackers (like its owner!!)

sorry posted this in TOTALLY THE WRONG PLACE!!

Ref the T&C's, there is a blank piece of A4 paper, top left hand corner is my name with my previous address: 12 11 High Street (for example) yes 2 numbers???? this is part of a previous address i used to live at BEFORE i applied for the card, on the actual photocopy of the agreement it has the correct address then my previous address in the Previous Address box: (confused? not half as confused as me). The in a square box in the middle of the page is: "YOUR RIGHT TO CANCEL: Once you have signed this agreement, you will have for a short time a right to cancel it. Exact details of how and when you can do this will be sent to you by post by us" then photocopies of the Barclaycard Conditions. Reprinted 01/03. Interestingly though is the 'letter' from Barclaycard dated 1 August 2011, it's to an old address one that i lived at in 2005, and clearly states :- The current balance on your account today is £953.55, i find the letter from Barclaycard a bit spurious, does anyone else?? HFO have obviously beefed it up to £1434, i will contact Barclaycard tomorrow and ask them the questions you mentioned in the thread before last, what difference will this make? also what is the point of giving them a certain time period to get back to me but they leave it 3 months, it makes the CCA request appear weak? Should i offer to pay a percentage? like i said right at the begining of this thread, i don't mind paying this offer but i dispute the amount they are saying i owe.... I look forward to any advice and will post tomorrow evening with my findings from barclaycard. Thanks again.

Hi Everyone it's me again! I came home to find a letter from HFO today headed: HFO - RESPONSE TO THE REQUEST OF DOCUMENTS Letter says: This is in reference to the documents you requested from us regarding your outstanding BARCLAYCARD account Please find enclosed copies of the documents. We would request that you contact our offices as soon as possible so that we can work towards reaching an amicable resolution on your outstanding account. You can reach your account manager issue Submitted to Client directly on. We look forward to hearing from you. Enclosed: Photocopy of application dated 10/06/03. Letter from Barclaycard dated 1st August 2011 addressed to a very old address where i was at the time of application, heading: I write to your letter requesting a copy of your executed agreement for the above account another document adressed to a different address i was at before the one i was at when i applied, YOUR RIGHT TO CANCEL on a blank sheet then a photo copy of Barclaycard Conditions. What should i do? should i call them? it's obviously way over the time limit i sent in the CCA request back in May, would they accept a settlement amount? i'm at a loss as to what to do, i also thought there might be a statement of the account but there is no record of the account at all....... i'm at a total loss... Any help would be greatly appreciated. Many thanks.