Yes, slick, the last payment was credited to the account on 4/4/12. I have it on the sar data. I missed april & may,(just forgot to pay due to family problems away from home) and barclays assigned it to a dca. I made 1 payment to them in June 2012 and it doesn't look like it was ever credited to the account. I am awaiting the copy of the cheque from my bank. I am willing to negotiate with barclays over re-servicing the debt, but not to a dca. The sar data shows no charges except interest, which was included in the ppi award anyway.

Thanks for your replies.

What I mean is...between the last payment made... and the 6 year point with no further payments made, what defence could I present if a dca was to serve me court papers?

Hi, Hope you all had a good weekend. However, What if a dca tries to take me to court ? What would constitute a full defence, as per stella's previous post ? And would it count against them, as opposed to original creditor ?

I understand the 6 year thing, statute barred.. Thank you for your response...it is most appreciated.

For now ? what about Barclays next move ? court action ? another dca bottom feeder ?

[ATTACH=CONFIG]43565[/ATTACH] there you go...

[ATTACH=CONFIG]43564[/ATTACH] well, Zinc threw in the towel quick...received nothing relating to the cca request, even though I did ?? have they been read the riot act or something???

The BarclayLoan a/c is delinquent, but not shown on the cra file. It shows no defaults at all.Also only appears to go back 6 years with most accounts.

yep, as in posts 92 & 93 . tx for all your help.

Well, if Zinc have bought the debt then why refer to Barclays as their 'clients' ?

ok still don't know who really owns this debt, though.

Internet time up...will be back on this evening.

Hi slick132,I had a successfull claim back in November last year.I then waited for Barclays Recovery Unit to get in touch about the remaining outstanding debt,(probably my mistake) anf they contacted me in January with another Notice of Assignment, collection to be handled by Zinc.so I snet off for the cca.It just looks like a cobbled together agreement as I stated yesterday.I would rather re-service the remaining debt with BRU than give Zinc a single penny. Not sure where to go from here.where do I go from here ?

[ATTACH=CONFIG]43281[/ATTACH][ATTACH=CONFIG]43280[/ATTACH] Done, dx.

[ATTACH=CONFIG]43278[/ATTACH] [ATTACH=CONFIG]43276[/ATTACH] Finally received reconstituted cca from Barclays today. Looks like a photocopied form with black ink entries in the boxes. Addresses of bank branch and my address are correct but scruffily written in black ink. No signature or date on form.

dx, tx

Hi dx, Already done that first letter. Have sent the second letter on 22/02, (respond within 21 days). Just need to know what action to take next. tx

Advice required please, second cca request letter was sent (21 days to respond) to BRU, Manchester on 22nd February and still no paperwork received.

Absolutely! Didnt mean to moan. I'll wait for barclays reply. Tx for the quick responses.

Thanks for the response.Is there a template or do I just send a self explanatory letter ?Forgot to mention, they are leaving messages on my answerphone, nothing nasty or harrassing, just 'reminders' to call them, 2 so far in2 weeks ps here's to willy waving! lol

OK, i've cca'd Barclays, letter was posted locally 1/2 and dispatched from manchester sorting office 4/2, so they should have about until the 22nd feb to respond ?? Meanwhile I've received 2 letters from Zinc, first one was a 'please call' type, which I have no intention of doing. Second one received 13/2, dated 8/2, giving me basically 7 days to find about 5k for final settlement or the account gets passsed to doorstep collection agency who will 'arrange to visit and discuss my circumstances'. I take it while I am waiting on cca details from Barclays they have no power of enforcement over me ? Should I send a letter to Zinc or hold on for Barclays response ? Will post zinc letter up later tonight. Thanks in advance.

tx i'll do that

Wescot have been dealing with my HFC Visa card debt for several years now. I reckon there could be ppi owing on this account. I have the original account number on the letter of assignment. Should I make a ppi claim direct or sar HFC first ? They seem to have a reputation for ignoring sar requests.Also, they are listed in my credit report as me having a loan with them from oct 07 to mar 08, settled. I don't even remember having any such loan with them at that time.There is no entry at all for the credit card debt.Are defaulted debts of a certain age not appearing on credit reports now ?Also Wescot have not sent me a statement of account this year, was due in september 2012. Is this not required by by the consumer credit act ?

Will do. In the meantime, i want to cca barclays. Do i send the letter to barclays recovery unit or data centre, or Zinc ? Had no contact from zinc yet.