new member here, with a situation which I thought seemed very wrong - I hope somebody can advise.
3 years ago I defaulted on a small barclaycard, which with interest and fees went from the £1500 limit to nearly £3000.
The debt was sold on by Barclaycard to Robinson Way, and is now held by Hoist. I have an agreement to pay the debt off which works fine for me - I don't even notice it.
I recieved a letter from Barclaycard a couple of days ago, where they own up to malpractice with fees and interest charges. As a result of this malpractice they have issued a compensation amount of just over £500 - great!
The problem is, they're issuing that to Hoist as a credit on my account with them. I have a real issue with that. BarclayCard committed these malpractices against me, and I think that as such I should recieved the sum directly. My situation with Hoist is nothing to do with Barclaycard -- they certainly shouldn't be allowed to issue compensation for malpractice against myself, and give it to another party. I think at least anyway.
Would anybody be able to advise on my rights here? I've been in touch with Barclaycard and got a very insincere apology from a talking head, who says that they definitely can't send me a cheque - who'd have thought a bank can't send a cheque?!
thanks in advance