scoobydoo54
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Posts posted by scoobydoo54
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Hi
I will apologise for my spelling and grammar in advance as I'm dyslectic
Back in June 2005 I took out a Barclaycard on a 0% offer and transferred my HSBC Balance of £1056 on to the card
within a few months I became unwell giving birth to my Daughter and had to give up my job,
I ended up missing a couple of payments and
I telephoned Barclaycard and explained my situation and asked if the missed payments could be added back to the balance
and I could then manage to stick to the monthly payments ..
I was refused any help and worse advised that due to the missed payments that they had now removed the 0% offer
so my next payment would include 2 missed payments, interest, charges + the next months payments.
After this I never got back on track
I did however stick to making regular payments but could not afford to clear the arrears and charges
so each month I was getting charges for missed payments on top of the balance.
over the years the debt was passed between their in house collectors and back to them but
every time I carried on making a payment each month and asking for help but never got any.
In 2012 I added up that I had received over £950 in charges + Interest on top & I had paid over £1200 off of the balance.
Due to this I decided enough was enough I allegedly still owed Barclaycard over £1351...
stopped making payments and sent them a letter explaining the issues I had had over the years
and pointed out that I had more than paid back the balance I had transferred to them in 2005
and there was only a balance of £1,352,79 owing due to the fact that they had refused to help me
when I had started to struggle 7 years previous.
At the time I had managed to save £600 and offered to pay this to them in full and final settlement of the account
which they refused in a final response letter.
After that I did not contact Barclaycard again.
17th April 2014
- I received a letter addressed to myself from a company called Mkdp saying they had brought an account
and balance and I should contact them! It didn't say who the debt was owed to or how much it was for so I just ignored it
28th April 2014 - Received a letter from mkdp saying they had not received an offer of payment,
with a payment slip attached saying Barclaycard & £1,352.79
14th May 2014 - Letter received from mkdp stating still not received offer from myself
28th may 2014 - Letter received from mkdp stating still not received offer from myself
17th June 2014 - Final Notice from mkdp (£1,352,79)
25th June 2014 - I sent a request for a CCA & a £1 postal order direct to Compello Group (Recorded delivery signed for 27th June)
4th July 2014 - Response received - Balance showing the postal order had been deducted from the balance ! (£1,351,79)
"Unfortunately, at this time we are unable to fulfil your request" ..
... "We will contact you as soon as we receive the documents you requested"
?? July 2014 - Received another final notice with 7 days to act (cant find it now to add the details)
5th August 2014 - Final Response received (£1,351,79) stating that I had requested the CCA by telephone..
. I've never once spoke to them !!!
I've added a pdf with a copy of this response including a version of the alleged agreement (the first 2 pages of the letter are at the end
26th August 2014 - Letter received from Raven (£1,351,79)
"Owing to you not having a payment arrangement in place with mk rapid recoveries
they have instructed us to collect the outstanding balance you have with them"
I'm stuck now what do I do next ????
Thank you in advance for any help
Barclaycard & Mkdp help please!
in Barclaycard
Posted
Thank you for your reply, Is the attachment I added not a suitable reply to the CCA request from them ? and can I do anything about them using the postal order against the alleged debt. Do I need to send another letter to them ?
Sorry for all the questions