Hi I’d be very grateful for any help/advice with the following problem. Four years ago, I asked Goldfish if they could write-off my credit card debt due to my circumstances (which I’d explained to them). They wrote back saying that they couldn’t do this, however they stated, due to my circumstances, that they wouldn’t pursue me ever again for any further payments. However,the debt would still show on my credit file. Not so long after that was agreed, Barclays bought all the Goldfish accounts,including mine – and it wasn’t too long before they requested payments from me again. However, once they saw a copy of my letter from Goldfish they agreed that they shouldn’t be pursuing me for payments – and they haven’t done so. However, it still leaves my credit file in a bit of a mess (please see attached). It continually shows 6 payments in arrears, and I think it’s going to do that until I die or I somehow manage to clear the debt. If the account had had a default, then at least I’d know it would drop-off my credit file after 6 years, but it looks like this will never drop off. Does anyone know if there is there anything I can do to have these entries removed? Thanks in advance. Florish

In 2009 I requested a CCA from Barclaycard and SAR. No response. I put the account in dispute until I received relevant terms and conditions applicable to me at time I signed Barclaycard in 1998. They kept sending me current terms and conditions. At this point I no longer had use of the card and had not made payment for some years. in 2010 unknown to me Barclarcard has entered a default for the same credit card twice. What should I do? Do I dispute the default? Any advice appreciated.

I put a claim in to Barclays for a business loan I took out back in 99 which had PPI attached to it, I was and still am self employed so reclaiming on the grounds that i would never have been eligible to make a claim, today I received a letter from them informing me my claim has been rejected as they can't find any evidence the policy was mis-sold and that the letter is their final response to my complaint, they also enclosed a leaflet explaining I can refer my complaint to the FOS. After reading on here using the FOS could take up to two years is there another step I can take?

Hi, Barclaycard have verbally agreed a short settlement of 30% on a balance of about £4000.Result! However, the letter I received from them stated the when I had made the payment, I would receive a new payment plan. When I spoke to BC on the phone originally, they confirmed the debt would not be sold on and they would not seek further payments, but that it would show as a short settlement on my credit history. I spoke with them again today to ask for further clarification writing. They refused but stated our agreement was valid and that details of the agreement was recorded on their systems and our calls were recorded. That is all well and good for them but I feel it leaves me vulnerable. I am keen to get rid of this debt. Would I be safer if I send them a third party cheque with a covering letter explainnig the cheques is only to be cashed if no further action is to be taken against ?

i didnt even know this place existed till today and i came here for another reason a hour later of reading, i am hoping ppl can give me some advice .. i owe a debit which has been bought by lowell now they have been calling of and off for weeks but i have ignored the phone and i had had several letters, wanting payment the amount i owe is £3679 its a littlewoods credit card debt that i fell behind on and finally defaulted through no income. now the thing is it doesnt say littlewoods on the lowell letters it says barclaycard who do own littlewoods card.. but i was told numerous times by barclaycard that they was two diff companies and also by mercers debt agency who was originally dealing with the debt on behalf of littlewoods, that it wasnt a barclaycard and barclays was just the parent company .. i dont kniow what to do about this as at present i claim contribution JSA and in a 20 days time wont even have that so my personal income will be nil.. the littlewoods debt is mine not my wifes and as such she wont be paying it. i was making token payments now and then to mercers they said it wasnt a official payment plan as i was paying 5-10 per month but would stop interest etc on the account then they informed me that the 7 month limit had been reached which i didnt know about and as no official payment plan was in place it would be sent back to littlewoods for a formal demand which littlewoods did.. and then sold the debt to lowells i assume like i said been told littlewoods isnt barclaycard but is owned by barclays and lowell say the debt is for barclaycard sorry if that is as confusing as hell its been a nightmare for months just trying to ignore it as is no way i can pay and if i am declared bankrupt i would lose my license to work i have been told (sia license)

Hello Caggers, I hope you can help me. I have an old Barclaycard debt which I started paying through JB Debt Recovery in December 2011. I made a card payment on condition that they sent me some paperwork detailing what I owe, what payment arrangements were in place, etc. I have received no paperwork from JB whatsoever. However, as well as the initial card payment, they started taking further payments from my card. They took two payments on successive days (charging me an extra £1.50 per transaction) and did the same again 2 weeks later. I was away over Christmas so I couldn't deal with it until my return. I contacted JB on my return and explained that not only had the paperwork not arrived, but the payments were taken incorrectly. They said they have sent the paperwork (which I still to this day have not received) and that I had authorised running payments on the card. I am sure I didn't do this, but even if I did, I would certainly not have agreed to taking payments on successive days. Who would do that - make a payment today (and get charged for it) then make another payment tomorrow for the same debt, and get charged for it again. I stopped the card payments and set up a standing order directly from the bank account. As far as I was concerned; that was that - I just make the payments each fortnight until the balance is clear, and put the problems down to being a blip. However, last week I received two calls from Buchanan Clark and Wells (BCW) saying that I owed Barclaycard (the same debt) a sum of money and that I have paid nothing. I told them about what happened and that I was currently paying JBDR. They insisted that they had held the account since January 10th, and that no money had been paid. We argued back and forth, and I have now received a formal demand from BCW for the balance. I rang BCW and they insist they have received the debt from Capquest (who acquired it from Barclaycard as far as I know) and I should cancel my payments to JBDR and start paying BCW. My personal choice would be to cancel the whole thing of course, but if I have to pay someone I would rather pay BCW as they have been more professional about how things are handled. BCW are ringing me back tomorrow expecting the debt to be transferred to them. Where do I stand in all of this? What rights and responsibilities do I have, and what would you advise me to do next? If it matters, the balance on the account is just under £2,000 and I am on state benefits (ESA and DLA) so money is tight.

Hi Im hoping somebody can help. I bank with barclays and have a credit card with barclaycard. I pay the minimum amount each month on my C/C which is approx £20 on the 14th ish of each month. i checked my statement this morning and it showed £100 DDR First Payment DDR Barclaycard Visa payment on 5th december (today), then straight after it showed the same payment as a credit with UNP next to it. So this payment was firstly out of the blue as i normally pay £20 on 14th to £100 on 5th... I am also confused at the fact it said 'first DDR payment' - when i have been paying this credit card off for at least 18 months now. Can anybody help? Thanks

Firstly I have been reading through your site and must congratulate you on a wonderful service and website. If only I had put my thinking cap on earlier and paid more attention! This is a big one and I have followed your advice so far... here go's.... I had loads of debt in 2006 when my company went into a CVA, I have kept a lot of the information and letter replies including an experian report dated may 09. I had numerous debts up to about 100k, with a remortgage I paid around half and tried and have succeeded in removing another 25k to date. Lowell then wrote to me saying I had a debt of £16k with barclaycard, I am being honest in this forum to hopefully get the best advice I did have a barclays select account which was owed around 15K and one small barclaycard for around 1k , I also had two MBNA cards, 2 Capital One's, blah blah you hopefully get the picture I did speak to them and said that I thought they had it wrong and that they were chasing the barclays select account which I had paid off with my remortgage, in-fact most cards were cleared at this time, they were however also chasing a small debt for capital one £678.00 of which I didn't clear - naughty I know Every three days or so I had a call and gave them the same response, asking for original proof, the last payment to barclaycard that I can find on any statement is in Dec 04 - I believe this is for a barclaycard which i'm sure didn't have a big limit. Lowell's keep moving the debt between all their companies - Red, Lowell's, Hampton's etc for about a year. I gave them the same response and they say they will put the account on hold and look into things - they then move it to another collector in their group. Good news I hear nothing for a year or two then in 2009 they are back in contact and a little more upset. Again I tell them the story, they have tried to catch me a couple of times as I have this other account with them, which also floats between all their companies. In may 09 I decided to get a credit report via Experian to try and clarify things, I have kept this report as well, I notice Lowell's have their £678 debt listed but the Barclays listings are as follows: Barclays Bank Default Barclays Bank PLC Woolwich Account - Bank Default Balance - £14,964 Current - Satisfied Defaulted on - 16/05/07 Barclays Bank Default Barclays Bank PLC Woolwich Account - Bank Default Balance - £2,530 Current - £1,437 Defaulted on - 13/02/07 Barclays Bank Default Barclays Bank PLC Woolwich Account - current Default Balance - £2,890 Current - Settled Defaulted on - 27/06/07 Barclaycard Credit Card - Satisfactory £0 10//05/09 Entry number C15 Barclaycard Account - Credit Card / Store Card Started 23/01/1997 Current Balance - £0 Credit Limit - £1 Credit Limit History - £1,000 (12/08; File updated for the period to; 10/05 2009 Summary of payment history - in the last 36 months account activity 1-2 is 0 - 3+ is 0 Balance £0 £0 £0 £0 etc etc Payment Account as above Payment statement as above Cash Advance 0000000 Payment code .. .. .. .. etc Promotional Rate n n n n n etc I wont bore you with the other bits I sent a letter to the effect as above saying what did I owe, I then heard nothing I got two different reports yesterday including Equifax - This stills shows the £678 opps, it now shows that I have cleared a lot of my debts and more importantly the Barclays accounts are all still on there apart from the Barclaycard that they are chasing?? I had thought this had gone away, no excuses now but again into huge problems again with the business, some massive legal actiion against close finance (bless them) which I lost for the tune of £35k Ready for the huge mistake... I didn't like the letters from Lowell's so I left them to last to pay up, I had a recent telephone call about the £678 amount which I did really owe and agreed £10 a month, I finally got fed up with them insisting on raising the amount so only paid a few payments. Started having letters again about Barclaycard, I was advised to just ignore it, which I did, then had some really nasty letters from Hampton's a few months ago threatening to send people to the house and bankruptcy, insolvency, and the latest saying they know we have equity in the house, therefore they will get judgement and charging order and sell the house to get paid in full - also send we should contact the local housing association to discuss alternative housing - this really panicked the wife as we have children, one on disability. It seems I accidentally paid a few payments on this Barclays account as they moved the other one elsewhere ((((( - we're talking about 50.00 paid and I did ring them after cancelling saying that they had put payments to the wrong account - which was 50% my fault for not checking their account codes. I could have easily walked away from my debts but have worked hard to clear them ( if owed ), having cleared 75% and gone through a company CVA many of our files which were kept at work have vanished, I do have around 75 letters from all companies and a few that I wrote to them. Having looked at your site and the OFT report it seems they have broken nearly every code in the collection guide! They have started legal action and I told them by phone that I was recording the conversation and that I disputed the debt, and always have, I reminded them that the payments were incorrectly put against the wrong account, I also asked for the following : A true copy of the assignment* A true copy of the default notice* A true copy of the termination notice* I have got a claim form from the Northampton CCBC court and have today sent a AOS and sent online, here is the claim they are making: The defendant entered into an agreement with the assignor, regulated by the consumer credit act 1974. The defendant failed to comply with the terms and the agreement was terminated in accordance with the statutory notice of default. The benefits of the agreement were assigned to the claimant. Debt assigned on 21/05/08 by Barclaycard. The Claimant claims: 1. 16841.62 2. Statutory interest pursuant to section 69 of the county courts act ( 1984 ) at the rate of 8% per annum from 21/05/08 to 20/10/11 4595.69 and thereafter at a daily rate of 3.69 to date of the judgement or sooner payment. Agreement xxxxx ; 21/05/08 ( my agreement with them? ) Claimed £21,437.31 Court Fees £310.00 TOTAL £21747.31 I did have debts, A lot! Due to our paperwork and no help from barclays or lowell's, I have no idea if this is right, honestly if I thought I did have the debt then I would go after them for harassment, I really don't remember, I did have a Barclaycard and did pay it off, If I can remember rightly.... also the credit file makes sense listing it as paid and a limit of £1000. Really sorry to hit the CAG with such a biggy on my first post, will send some pennies and hugs and even a happy bonus if you can finally help me out of this nightmare I hope all is included... The deadline for the AOS was today and this has been done, so I have 14 days but want to jump sooner rather then later (jump onto getting this sorted out, not cliff Dave

Hello, I would really appreciate some advice on what to do about a letter received yesterday from Turnbull Rutherford regarding a Barclaycard debt which goes back to 2005. A few months ago they started with the phonecalls hassling both me, my family and they even rang my boss and asked him for my current address! I had googled them and learnt of their unsavoury practices and so decided against giving them any information. I did not confirm that the debt was mine, nor did I give them my address. They had found my place of work somehow, and now they are writing to me at my new address. I am not on the electoral role that is available to the public, so in the first instance I am concerned about where and how they got my address? Can anyone advise me on this, and whether it is legal practise? The debt is showing as a default on 08/12/2005, therefore 6-years on 8th December. Their letter states that their date of assignment was in June 2006, so why have they waited until 2011 to make contact with me? They have increased the original debt of £3619 to £5972 and I have no idea what to do? I was ill at the time of the default and spending time in hospital, which I advised Barclays of at the time. At no time did Barclaycard chase me. Now I allegedly have until 23rd November to respond or they are threatening court action. They say if I respond in time, no further action will be taken. As this is only 16-days before my debt become 6-years old, I am confused about the legalities of this? Is this something I have to worry about? Is responding to them in my best interests at this time? Thank you in advance for any advice! Isla

Hi all, I received yesterday a lengthy letter from Barclaycard regarding Egg credit card. It told me that they now had my account, and that back in April I should have received notification that the Egg card was being sold to barclaycard. I am concerned as I haven't received any such notice, and moreover, am in a current agreement to repay both my barclaycard Visa and Mastercard debts off. However they have not stopped interest on either card, only reducing the interest to 2 percent. Has anyone else had experience of this or received notifications back in April?

Hello all, I was directed here by a few different websites saying this was the place to help with HFO trying to recover a debt I wasn't aware of from Barclaycard. I received the letter yesterday and it was dated the 3rd October 2011. I have never received any other notice from HFO or Barclaycard about this debt. As far as I am aware I never defaulted on a Barclaycard and I do not have one now, although I did have one many moons ago. I have looked at my credit report on Experian, Equafax and CreditCall, the only reference to the debt is on Equafax which states it is a Credit Card from HFO Services Ltd. The start date was 31/09/1999 and the default date was 04/08/2006 and there is an updated date of 16/07/2008. The amount is only for £178.06 according to HFO Services but the default/delinquent balance is £116. What do I do next, having looked around the web HFO seem to have a bad rep. and every bit of advice told me not to talk to them directly and to come here for help? Thanks in advance for your help.

DefaultNotice.pdf Hi all After googling HFO came across this excellent site with somehelpful advice regarding dealing with HFO. So far received following from HFO: Had a reminderNOA sent to me on 19 July 11, followed by a Do Not Ignore (with HMCS EX345 - Bailiffs andEnforcement Officers info sheet and EX50 - Court Fees info sheet) on10 August 11 then a Schedule of Litigation (with EX325 - Third Part Debt Orderinfo sheet) on 1 September 11. I would have dealt with this sooner, but I have been tied up withmatters of Probate on my recently deceased father's estate andsorting out my mother's financial affairs. I had a Barclaycard back in 2005 which due to very serious illnessI defaulted on in September 2005 (if memory serves me right). I havea notice of default from Mercers dated 8 December 2005. In March and April of 2006 I approached the CAB for help andadvice with problems with mounting debts of which Barclaycard wasjust one. Due to the seriousness of my ill health the CAB along withmy consultant arranged for me to receive benefits under the "SpecialRules" - for those not considered likely to live more than 6months - still here thank goodness!! The CAB also wrote to all mycreditors and requested that all my debts be written off, I rememberthe CAB advisor saying that Barclaycard would likely to be the mostdifficult. This was achieved with all' to my knowledge, over thefollowing few months. I have a letter dated 23 May 2006 from the CABadvising me that Debt Managers Ltd had closed the file. In 29 June through to 17 August 2006 I then started receivingletters from Credit Security Ltd. I don't think I passed this on toCAB because during this period I ended up in hospital in IntensiveCare - which I'm sure was in some way triggered by all the worry overmy finances. I have no NOA on file. In November 2007 I moved address and until July of this year heardnothing more. I have attached letters from HFO and the Notice of Default. If it wasn't for the contact made by CAB in 2006 I am assuming thedebt would now be statute barred, or very close). I assume that datewould be dependent on the last date of contact to the DCA/Barclaycard by the CAB. The last letter to me from CAB regardingBarclaycard is dated 23 May 2006. Reading through these forums I am guessing that in the firstinstance I need to send off a CCA request (recorded delivery, no sigand a £1 PO) with a line stating that I do not acknowledge the debtto HFO. It would seem advantageous to call Barclaycard, also, to find outto whom the debt was sold and when - in writing if possible. I wouldguess that I should get off a SAR request to Barclaycard sooner thanlater. I checked my credit file with Experian and there is a new entrydated 19 June 2011 by HFO with the date of default as 30 Nov 2006which is a year later than actual. Any thoughts and advice from the HFO fan club would be gratefullyreceived. I am worried that this firm's tactics could send myunstable health, at the best of times, spiralling back down. Bluebare reminderNOA.pdf DefaultNotice2.pdf DoNotIgnore.pdf ScheduleOfLitigation.pdf

Hi, I've been recommended these forums by a friend and hope someone can offer some advice? In June 1998 I was self employed and had both my personal and business accounts with Barclays; having just moved to a new town I asked for a loan, and was turned down due to my self-employed status, however I was told I could have a Barclaycard, which I got. At the time, I was advised (by the Barclays 'salesperson') to take out the Barclaycard Payment Protection plan. In May 2009 I was unable to work, and contacted Barclaycard to let them know - at this point I found out that the plan was useless, as I was self-employed. In the six months after telling them this that it took me to get another contract, I accumilated around £2K in costs on the Barclaycard - mainly in interest payments, and late payment fees, as well as the PPP which they kept taking, despite me asking them to stop. By the time I started work again, the account had been closed and the final balance of just over £7500 passed over to a debt collection agency. I now have an arrangement in place with the debt collection agency to repay this in full, however, after talking to a friend in the financial sector, he said that I may have a case for claiming back the payments, as well as interest and penalties incurred due to the policy being missold. Looking at these forums, I'm getting slightly confused about the procedure here; it seems to me that I need to: 1) Get a copy of the original agreement; 2) Get a copy of all statements showing the amounts paid over the 11 year period; 3) Put in a claim However, I've noticed that there's several threads referring to Barclaycard having already contacted people who were missold - I've received no contact whatsoever. I'm also now a bit confused as to who I should be addressing: Barclaycard or the Debt Collection Agency? To complicate matters further, I moved from England to Scotland a couple of years after signing the agreement, and am also wondering if this affects anything (there seem to be different procedures for the two domiciles). If anyone's been through similar, or has any advice (even if it's to say "No, there's no case there"!) I'd be gratefully received. Thanks, Dave

Hi, no doubt if this post is in the wrong place someone will tell me, and hopefully point me in the right direction (or move post for me). As yet I'm not wanting to reclaim mis-sold PPI but actually make a claim on the policy itself in regard to its sickness benefit clause. I didn't even know I had PPI (hence the possible refund claim route), but it appears when I took out Barclaycard Visa in 1989 at age of 20 somehow I ended up with PPI. I didn't know then what it was, don't know now how it came to be included (ie can't remember if it was forced on me or I was strongly advised to take it or that I had to specifically say no). Don't have any of the original credit card application paperwork and certainly nothing that said it was an insurance document which I would have kept as I’m normally very thorough on things like that. Having said that I only have credit card statements in question going back to 2003 (think some were lost in a house move at about that time) and sure enough each month from 2003 til now PPP (as they call it) appears to have been deducted. I have had other credit cards with Barclaycard and other providers and unsecured loans and even secured loans with various banks since and never asked for PPI so can only assume that at the naive age of 20 I was somehow duped. Anyway, when I phoned Barclaycard this week saying I'm taking CCCS debt advice and will write with income/expenditure to offer a token payment as all I can afford (citing recent diagnosis of life-long medical condition as the reason I can only work 1 hour a day, am medically entitled to ESA but don't have enough NICs and hubby works more than 24 hours pw so don't actually receive any benefit money), I was told that I have PPI and why hadn't I claimed on that? Incidentally no-one had ever given me that information before even when I have had periods of struggling to meet payments in the past. Given 0800 number that diverts to Dublin and told to phone them. Lovely Irish lady said that I should have claimed under sickness clause at the time I ended up losing my previous job through illness and was there a period of up to 12 months during which I was in receipt of sick notes from dr, and/or in receipt of ESA letter that said I was in either support or work-related group that meant regular sick notes weren't necessary. I said yes. She then told me to claim and pointed me to Barclays website for insurance claim form. Told her that as I didn't know I had PPI until I'd been told minutes earlier obviously I don't have any paperwork like policy number, start date etc. She said that she'd send in post. Told me that for a maximum 12 months the policy would pay out 10% of outstanding balance. I should backdate my claim to the relevant 12 month period starting from when illness first struck and that as it was a backdated claim I would get all 12 months payments in one go. My card balance back then was much higher than it is now (I did manage to sort out our finances a while ago and paid a significant proportion of outstanding amount off, but Barclaycard immediately lowered my credit limit to just £100 more than amount left outstanding so that left me with just £100 credit available and cos I'd paid them every last penny I had it started the ball rolling with the situation we are now in (ie up to our earholes in debt again). If my claim is upheld I will get at least enough to pay off current balance outright with hopefully a bit left over towards other debts, including a Barclaycard Mastercard (which doesn’t have PPP/PPI). What I really want to know is am I better making a claim for sickness benefit under the policy, or should I make PPI refund claim for 22 years of PPI that I never knew I was paying for? Which has best chance of success, and will either impact my credit score which surprising isn't that bad considering the mess we are in now. Thanks.

Hi, after some advice regarding the above company, I have read some of the threads already regarding them but some specific advice would be nice. last month I received a letter from HFO regarding a debt with Barclaycard many years ago they were asking for £462 if I remember correctly the original debt was for about £100, I then received another letter about 2 weeks ago asking for me to contact them regarding the debt, I then looked into the company via this forum and followed some advice given on one of the threads and contacted Barclaycard asking them when the last payment was made to that account and when and who the debt was sold to. They confirmed that the debt had been sold to HFO in July 2007 and that the last payment on the account was February 2004, I did ask the man to confirm what he had said to me in writing but he said that he couldn't do that to which I replied that I wasn't asking for anything that he hadn't told me on the telephone, he still refused, I then explained that I would put in a request for all my information which they would then have to give me the details , the man said that all requests like that would have to go through HFO, I explained to him that this was incorrect as they hold the information on me so they would have to disclose their records under data protection etc, he was very nonchalant and said it would still have to go through HFO, at this point I ended the call stating that they would receive my request in writing (as I had read that I need to do in another post). As far as I aware I was never told that the debt had been sold and haven't had any communication for many years I even think that the debt might come under the 6 year rule but I don't think I will know this until I request the information from Barclaycard, I still haven't contacted HFO but today received the 72 hour litigation letter from them. I plan to send the letter to Barclaycard requesting my records next week (payday!) and will send HFO a CCA request, am I doing the right things? Also with regards to HFO I have checked my Credit report and they have a log on my history that the debt defaulted in 2007 (this is when they bought the debt not when it defaulted which was in 2004 how would I get this changed? and also with regards to the interest that HFO have added to this debt it is my understanding that if they add interest they need to write to you confirming the interest rate and also send yearly statements is this correct ( I have not received any of these the first contact being from them last month). Sorry for the long post but wanted to cover everything. Any help would be appreciated. Thanks

Hi all, I'm new to the forum and no expert by any means on computers but I've read similar stories to my own on here. A couple of weeks ago I received a REMINDER NOTICE OF ASSIGNMENT from HFO Services for an old Barclaycard debt sold to HFO Capital Ltd, stating I owed just under £5000. The number stated by them as the original account number on their letter was incorrect. I therefore wrote to them, recorded delivery, stating I had not received a Notice of Assignment and had no record of the account number stated. I have since received a second letter saying they have attempted to contact me several times, I never answer witheld numbers, though they have acknowledged receipt of my letter on my mobile answerphone. I have also noticed a number of missed calls on my home phone. In the second letter the amount has increased by around £15. I rent my bungalow from the local authority and have been unable to work for over 5 years due to illness, which is how my debts originally arose. I have noticed other threads adising tto ask for CCAs and SARs but in this case the account number is incorrect. I have suspected multiple sclerosis which makes matters like this hard to deal with so would appreciate any advise. thanks Badger

Hello, first post here, I owe £2,800 on one card and £900 on another On my larger amount owing my minimum repayment is £48 and my estimated interest is £50. This means i would be paying £48 and my outstanding amount would go UP by at least £2!! I questioned this in a call and cited their responsibility under the lending code but I may as well have been talking to a wall. The supervisor I spoke to said either pay it off, pay an amount at least equal to the minimum or dont pay (and face the consequences) I have just been made unemployed and currently have no money at all. I have had this card for years. I am wondering whether to go down the line of writing for proof of a signed agreement or contacting CAB or CCC such like. Im struggling to get my thoughts clear on what action to take and what my best options are and could do with some advice please. I hope one day to be free from this companies grip.

Hi, We have a bit of unusual situation here and dont know how to deal with it properly and will appreciate your expert opinions and comments in this regard. My girlfriend and i moved to an Asian country almost two years ago for work. We were going through some financial hardships in UK and my girlfriend sought advice from "clear you debt" [problem] company who has run away with over 4000GBP since without solving the matter. Anyway, since we have ben overseas we have successfully negotiated full and final settlement with MBNA (RMA) and Egg (ARC Europe Ltd). We have one more credit card debt with barclaycard which we were hoping to negotiate in next few months. The reason we have them at the end was because every now and then barclaycard will take out £170-200 from her Barclays account. The total debt is around £7700 and a default has already ben placed in her credit file since early 2010. YEsterday "Apex Credit Management" people called at her work place, i dont know how did they trace her number down as we live in an Asian country now and left her colleague a message to contact them. We contacted them twice yesterday. They took our details and promised to call us back within couple of minutes. We however, did not receive any calls from them to which i dont understand the reason. Can someone please let me know what would be the right course of action in this situation. Should i approach barclaycard directly or send them a full and final settlement offer or wait to hear back from Apex. Also if someone has dealt with them before regarding full and final settlement? How understanding and co-operative they are in this regard? Thanks in Advance, Bowden

I need some advice on a long running dispute with Barclaycard. In early August 2008 I requested documents from Barclaycard under the 1974 CCA. When they failed to produce the documents I notified them that the account was under dispute, and no payments would be made until they produced the documents. Despite repeated requests they failed to do so, instead claiming that I had defaulted, and handed the case to a series of debt collection agencies. Each time I was approached by an agency I informed them of the facts, they replied saying that they would no longer deal with the matter, and handed it back to Barclaycard. Now I’ve received a letter from Barclaycard that contains the following: “As previously explained, one of our obligations as a lender, is to share default information about our customers with Credit Reference Agencies when a formal demand for payment is made and the account is then closed. During an internal processing error on our part, the updating of your Barclaycard Credit Reference record within your credit file hasn’t happened. To correct this, and to bring your credit file up-to-date, we are now passing a default record for your Barclaycard account to the Credit Reference Agencies.” It’s my understanding that since the account is already under dispute Barclaycard cannot pass a default record to the CRAs: am I correct? And if so can anyone point me to the exact legal wording that forbids them doing this, and also tell me which authorities I should report them to if they proceed. Many thanks in advance for any advice.

We are in the process of collating documents together to write to various organisations to claim charges and PPI payments. To cut a long story short, how would we find out the account number to an old Barclaycard account we held back in 2002? Is this something we could write to them and just provide adress details at the time of opening the account? Would that suffice? Cheers Shelley

Hi, I have an old Barclaycard debt that I think is over the 6-year mark but am not sure. I have moved around a lot over the last few years and have not thought anything about it for a long time. Out of the blue I got a letter from HFO Services, which was sent to my parents house where my bank account and other credit cards are registered. I am not listed on the electoral roll as living at this address or any mobile phone bills, utilities etc, so I don't know how they traced me to my parent’s house. The Barclaycard was never registered at this address. The original Barclaycard bill was for between £400-600. HFO want £1238.52! A telephone agent from HFO called my Dad last week, he told them I did not live at this address, even though I do at the moment. The agent said they would report him to the police for allowing me to use the address illegally. Can I find out if this debt is statute barred without contacting HFO? If it is still active should I ignore the letters until I reach the 6-year mark? Can they apply for a CCJ against me without my acknowledging them? I really don’t want to mess up my credit. They have sent me out a letter, which I assume is “standard” informing me they will seek a Warrant of Execution against me. I would appreciate any help with this. Thanks

This site is truly amazing, I've learned a lot all ready. Full Respect to you all - including Coledog Broken Arrow and all the others in the HFO Fan Club! I have read the HFO Barclaycard thread posted yesterday and think mine is very much the same and just wanted to talk through what I think I should do, from what i've read here. 1. This week My father receives Phone call from HFO asking for me - I haven't lived at home for over 10 yrs. Dad doesn't give any details. 2. Whilst at work on Weds (I teach), Reception takes a message for me to 'Ring Ahmed - it's personal - He's not trying to sell me anything' 3. I've received a 'Reminder of Notice of Assignment' Yesterday (Sat 12th Feb). This is the first I've ever heard of them. I've certainly not received any information from them before, as they state 'As you have already been informed...' 4. I have had no dealings with Barclaycard (even though I do have a barclays account!) for 10 years at least. Maybe even longer. I have moved house many times, but the statements were always to my home (parents) address and my parents never heard from Barclays. From all your expert advice I've read so far I think I will.... 1. I would ask Barclays for a SAR 2. Then Send the letter M to HFO 3. Hopefully, never hear from them again! Does this sound a correct course of action. Many thanks for all your advice. Stuart

I have recently sent off my initial letter to Barclaycard claiming that I had been missold my PPI on my Credit Card. they have responded with a letter containing a questionnaire. Some of the questions refer to how I made the original application etc... Sadly I do not remember a lot of the information they are requesting. Is it my responsibility to answer these questions (even though they presumably know the answers themselves) or should I ignore it and go to the next stage? In addition I would like some advise regarding over limit charges. I have ALWAYS paid the minimum repayment on my card each month. however, at some stage a year or so ago my card has gone over its limit. This must have been to do with charges as I have not paid for anything on the card for many years. As my direct debit is instructed to take the minimum payment surely this should always take enough to avoid my account rising above the agreed limit. I am now being charged £12.00 per month along with PPI insurance and interest. It is staggering and because my card is over the limit I am unable to take out a 0% deal with MBNA. My credit file is otherwise unblemished and (for what its worth) currently reads 999/1000 with Experian. Please advise!!!

I will try to keep it short as an sure you have heard it all I recieved a letter from HFO on 12/9/2010 saying they were sold my debt by barclaycard etc, gave me the date it was sold to them, how much it was and now is. Lets say it is nearly a mortgage! in the Tens of thousands. I called them spoke to them, asked for more info and denied all over the phone. A week later i get a letter saying the last payment was made on the account to barclaycard on 24/9/2010. I knew it was nearing satute barred period. I wrote them asking for credit agreement clearly stating i do not admit the claim. I did not sign the letter and included a £1 standing order. It has taken them 1 month to reply with a front sheet of the agreement with my signature on it which i supposed bought me more time.nI got the letter and credit agreement yestarday 28/10/2009. Clearly 1 month and 4 days after the last payment date. of to put it into the limitatons act law, 4 days after "the cause of action accrued" I understand the cause of action as the day you missed first payment which is 1 month after your last payment? (please correct me if i am wrong) I now know that as i have not admitted the claim in the 6 years, have not paid in the 6 years and they have not taken me to court in the 6 years, is it statue barred? I know their is no court claim against me as i did a credit check and it came clear on court cases and i actually asked HFO if they had taken me to court yet and they said no. HFO say no it is not SB as they wrote me in Sept 2010 and i recieved the letter and that is when i contacted them, therefore it does not matter that i did not admit the claim so they will see me in court. What are my chances of winning if i go to court and should i be getting a solicitor involved? They are blooming expensive! Anyone konw something i have missed so far and any other actions i should be looking to take or is it just wait and see time?

Hi all What do I send next to Bcard - if anything? CCA requested for very old MSDW card. Received usual reconstituted application form. Dodgy DN issued by Mercers. A/c in dispute letter sent to Bcard + holding them responsible for Mercers harassment. Letter and doorstep visit (told to Foxtrot Oscar) from Resolvecall but no confirmation from either Mercers or Bcard that they are who they say they are. Today: 2 statements from Bcard. 1. Mercers are now dealing with your account...' 2. '...your card has been withdrawn. 3. 'Your card has now been canceled....' And £0 credit limit shown. 4. Interestingly no Late Payment Charge for Oct but £12 on all preceding ones. None of this overly troubles me but I wonder if I should write querying the nature of assignment to Mercers and/or does 'Your card has now been canceled.' mean that the agreement has been terminated. Or do I just let dying dogs lie for now? Any advice gratefully received. Best wishes vic