The barclaycrad is over six years ago from when i first got it, will they still hold my information? Thanx

I lost alot of paperwork during my move back in 2002, I did recieve a default notice from barclaycard. I cant recall them sending a letter to say the debt had been passed on. I recieved a letter from a company called Mercers Debt Collections, i was paying them £28.03 a month for 10 months, this debt was passed on during this time to a company called credit solutions in July 2003, then to David A Rubie & Company in October 2003. The debt was then passed on to cabot in 2005, it has been passed around so many times im losing track of who i have paid what to!?!

I am wanting some advice on where i stand with interest charges on a debt owing to cabot Financial. I had a barclycard back in 2002, i fell pregnant and my partner at the time left me and i became homeless. I struggled to pay the barclycard and other debts and ended up having this account passed on to credit solutions. This debt then was £1804, they then passed this debt onto cabot. I went to the citizens advice centre and made an arrangement to pay £0.99 a month with the interest frozen on the account. I continued to pay this amount untill i moved into a new address, i wrote to all three of my creditors to tell them my new address. Two replied but cabot did not. Once i had moved to my new address i somehow lost the contact details for cabot, my bank account had been closed and i could not contact them to arrange continuation of payments. I recieved a letter from them after 2 and a half years saying i owe them £2487.12. I made an arrangement to pay them £25 a month as i am still a single parent on a low income. I recently went on their online site to check my account, i was shocked to see i now owe them more by paying more. I now owe them £2645.87 due to interest they have added to the account. The interest added was for £718.00 and £183.00. They never told me that i would now be paying interest or the rate, just simply that i was paying more to get my account paid off quicker. I was wondering if they are able to charge this amount of interest with out me knowing, as this has added almost £1000 to my account. Any help is much appreciated.

Is it not too late to send the letter saying i do not aknoledge the debt as i have been paying them for the last 5 months and two and a half years before that i was paying them through CAB for about two years.

I had a barclycard a few years back and went through a difficult patch in my life and was unable to keep up with payments due on the card. Lots of interest was added and the debt was passed onto Cabot financial ltd. I had been paying them through an arrangement with citizens advice but was only paing small amounts. I moved house and lost their details, i finally found them again and wrote to them to tell them my new address. Two and a half years on they write to me to arrange to pay the debt off and i am currently paying them £25 a month. I noticed that the figure owing is now £1600 more than what i previously owed and they say this is due to charges and interest. I was reading some threads saying that you could claim charges back from the credit card companies i dont know about the debt collection agency. I was wondering if i could still claim these back from barclcard with my account being passed onto cabot, if i could it would reduce my debt by over £2000 and could probably pay them what i owe straight away. Any help much appreciated.

Hi thanx for the advice and the link, i went to bank today and explained i had been on this site and told them basically what you stated. They have cancelled the charge for me and apologised as the woman serving me said i did have the money in the account!! Thankyou again for the help.

I am a single mother on benefits and recieve my benifits thru halifax bank. I have a standing order set up for the end of each month. I checked my account online to see if the SO had been paid and it said the next paymant was due on 31 of july. I assumed the payment had been sent but today recieved a letter from halifax saying they couldnt pay it and they are charging me £39. They are takin the money on the 7th which gives me 4 days notice but i cannot afford to pay it or i wont be able to pay other bills due out. Is there anything i can do to stop this charge as they wont stop it as they say it is my fault.

I am helping my step mum to reclaim her bank charges but just a little confused with her statements. On her statements there are O/Draft interest, Account charges and O/draft usage fee's. Can she claim back the O/draft usage fee's and interest or are they terms of the account like her bank are saying?? Any help much appreciated

Hi just wondering, I sent the first letter requesting my bank statements on the 25th of september and Halifax cashed my cheque on the 6th of October. Do they have 40 days from the date of the letter to reply or 40 days from the cashing of the cheque?

Hi i am new to this, i have looked through some previous cases and the other information and have now sent off my letter to claim my bank charges back. A friend of mine has also just been charged £25 for an unauthorised overdraft and they have charged an extra £25 per day ( for 2 days). She wants to know if she could claim her £75 pound back too or if there are different rules for this type of charge.