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  1. Hi all, I filled Barclaycards online PPI claim form in regarding an Egg card paid off a couple of years ago. One week later (yesterday) I receive a letter from them acknowledging my claim form and outlining what will now happen. They say they will contact me by 10th March with an update and have also sent a form for me to send back submitting my bank details for any repayment of PPI. So not bad from them! However, I only asked them to research the Egg card but in the letter they say they have found two further card numbers "linked" to the Egg card and will investigate them too. Im not sure what this means. I had other credit cards around that time but they were separate cards from other card providers. They were not "linked" to the Egg card in any way. Could it simply be that they are now responsible for other cards I may have had by way of buying other companies as they did with Egg? Thanks all.
  2. Hi Guys. Please can someone help me with this? A little long, but I will try to be brief. In 2009 I had a Barclaycard. I made regular payments and everything was fine until my situation changed a lot and I was unable to pay . I did the wrong thing (many would say) and just buried my head in the sand. I got various reminders, letters, and default notices and in 2011 I (some would say foolishly) wrote to all my creditors offering token payments including Barclaycard . I paid £1 a month for 16 months. The last payment was in February 2012 when I moved and genuinely forgot about it. Then I started receiving letters from Cabot (I think) who’s very first letter in January 2014 was to tell me I was in default (amount was £346). I received letters on what seemed like a monthly basis before the letters stopped and I started receiving letters from another company and then Robinson Way. All letters demanded payment of £346 until recently when they tried offering me reduced settlement numbers, but all of which would mark my credit file as ‘partially settled’ so no point. I have NEVER responded in any way to any letter since my last payment to Barclaycard in February 2012. On checking my credit file on Monday this week, I noticed what I will call an ‘oddity’. Two entries, one for Barclaycard saying ‘settled’ and the balance of £346 in February 2013 and a separate entry for ‘default’ to another company for January 2014 and the amount of £346. My questions. Am I correct that the original debt with Barclaycard is now statute barred as it is 6 years since I heard from them, responded to them or made any payment to? And my second question, can a company I never had any contract or agreement with put a default on my file a year after I last dealt with Barclaycard? I am guessing Barclaycard sold the debt and whoever bought it sold it on and so on?
  3. I have found that Barclaycard/ Stonebridge had been charging me for an accidental death insurance I did not want or apply for some years ago as being self employed and working at heights I had to carry my own special accidental death insurance. I have contacted both companies in March 2017, they passed me back and forth until late last year with no result other than an offer of £25 from Barclays and £50 from Stonebridge which I did not accept. In Stonebridges case they wanted me to sign a form saying that the payment was in full and final settlement which I found strange. I went on to make a claim through the Financial Ombudsman, but they were about as useful as a chocolate fireguard. They have just come back to me to say they cannot help. My question is should I now make a claim on the small claims court and if so who shall I make the claim against as I do not want to get bogged down between the two companies again. Any advice would be welcome. I have full documentation and a sequence of events if that helps. Many thanks for any help.
  4. Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over £240. All my charges were for £20 and a one-off charge of £40. In their letter they state that their charges of £12 are in line with their actual and estimated costs etc and are printed on back of statements each month. What next - do I reply mentioning the above statement and what I have been charged ? Thanks for any help
  5. Hello, everyone. Barclaycard were chasing me for a debt I didn't recognise, and I asked for a copy of a credit agreement, which they couldn't produce. They then set Robinson Way on me, so I sent them the letter explaining that an unacknowledged debt in Scotland is extinguished after 5 years and received a couple of letters informing me that they'd passed this on to Barclaycard, and eventually Robinson Way closed the account. I can see on my credit file that the Barclaycard account is marked as settled, but the Robinson Way one, which is called Hoist Portfolio Holding 2 Limited is showing as defaulted. The default is due to drop off on 15/08/2018, so will that whole entry on my credit file drop off, too?
  6. Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by Barclaycard before it closed the account and transferred it to Link, who subsequently registered a default in September 2012. However, having gone through old paperwork whilst preparing a CCA request, I have found a default notice (section 87(1)) from Barclaycard (via Mercers) in December 2011, i.e. before it was closed and transferred to Link. In addition, I also received a default notice from Link in September 2012, just before they registered one with the CRAs. The default is still on my files and is due to drop off this September. I believe the correct default date should be the December 2011 one, as that is when Barclaycard sent me a default notice and 3 months before they closed the account and sold it to IDR/Link. By September 2012 I had also been in arrears for around 1 year, which I think is too long before a default should be registered under ICO guidelines. However, I am not completely sure and have the following questions: 1. Must the creditor register a default when they issue a section 87(1) default notice? 2. Can the debt be sold to a third party DCA without a default being registered? 3. If yes, can the DCA subsequently issue its own default notice and register a default? 4. Related to questions 2 & 3, can I be issued with two section 87(1) default notices (I am aware that it is not allowed to register a default twice but not sure if this is the same thing). The debt is not settled. Clearly, if I get the default changed to the earlier (and I believe correct) date then it will drop off my files. Any help gratefully received.
  7. Hi all, I am writing a SAR letter to Barclaycard as the first step towards reclaiming over limit and late payment charges. I've spent a couple of weeks reading various threads here that have been very helpful. I am trying to find the best address to send my SAR but am confused by conflicting information, some of which may or may not be out of date. London? Northampton? Knutsford? If someone could point me in the right direction I'd be most grateful - I don't want to stumble at the first hurdle! Thanks, John.
  8. Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  9. Hi all, I'm totally new to all this and have had a situation develop over the last 6-8 months where I was unable to pay my credit card bills. My credit was 12k, I ignored it for a few months while dealing with some family issues. I got in contact with them in January and set up a plan to catch up over a 3 month period at £600 a month, I made the first payment but failed in February when I had to take weeks off dealing with my older brother (45) passing away and needing to help my mother through that process. When I called to tell them they told me the card was now cancelled and they were going to pass me on to a debt agency. At that point, I said I'd prefer to deal with them if possible and have every intention of catching up and paying the card off asap, they gave me 30 days to contact them again. I am approaching the end of that period and have made very little progress. There is good news that I've interviewed for 3-4 diff engineering positions and should soon be back earning 5-6k a month. I guess my questions are in my position what is the optimal approach to clearing this debt, my instincts of guilt say deal with Barclaycard and plan on paying the full amount back. I also fear the debt being sold and some horror story of dealing with that. Is that logical? Would I actually be better off having them pass it to a third party? All in all, I'm just a bit overwhelmed by it all and want to have it sorted. I should have started looking for work sooner, I've been self-employed remotely in a weird industry for the last 10 years that's shrinking and I tried to hold on too long. Through old military friends, I feel very very confident I will be working soon. Any help on how to approach my next call to Barclaycard would be very welcome! Sorry for the long ramble, I am just super clueless with all this and never expected to be in this position.
  10. New here, been reading some posts, but so much info, getting confused.. Well over 10 years ago, had 3 Credit Cards, 2 were with Barclaycard directly, another via another company, but at some point Barclaycard took that card over also... In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts, as I could no longer afford the monthly amounts along with interest, in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial, paying one at £50.00 a month the other at £100.00 which is what I was paying Barclaycard In June this year Barclaycard passed the last one to a Hoist Portfolio Holding Limited, who in turn immediately passed it to Moorcroft Debt Recovery Limited I own £1866.75, was paying this at £53.00 every month to Barclaycard, they now sending Letters asking for payment/flexible approach etc What upsets me about all this, I've never missed a payment with Barclaycard, may be a date but doubled it with the next one, my bank account goes from Black one week to Red the next.. So have no spare cash to play around with, Barclaycard was getting their money back, just not quickly. Now have payment details with Moorcroft via account details, web page etc, not yet contacted them, but don't what to fall behind with them just to incur interest etc, so making the amount owed even more & will then take me even longer to pay off.. Can anyone please help me, not sure what to do...
  11. Hello all, Long story short. Put in for PPI and won. Paid off substantial amount on my credit cards. 1 month later received letter from B/card telling me they “realise” I’ve had a b/card for some time ( 12 years actually) at my current non uk address. They are going to cancel card as I’ve not got uk address. Is it legal for B/card to break their terms and conditions yet I have to comply, which I did when I told them of my non uk address. Seems strange that for 12 years they were quite happy for me to have their card but now due to paying off a huge chunk I’m now penalised. Any thoughts if this has happened to other expats and are B/card in breach of their own rules?
  12. Hello I have seen on the site some threads regarding the reclaiming of premiums paid to stonebridge insurance for Barclaycard Accident death cover. As some of the threads seem very similar to my own experience with these two companies I was wandering whether there was any updates available. In my case this goes back to May 2002 when I saw a payment on my credit card statement for £8.59 accident death cvr. As I had no knowledge of this I contacted the number next to the payment stonebridge insurance and asked what this was for and was told that all barclaycard holders had this applied in case of death. Recently I have phoned Stonebridge insurance and said I would like to cancel the policy, but was told that I could not do this as I was not the policy holder and that my wife was now the policy holder. I then phoned barclaycard and told them not to pay this anymore. I have now contacted Barclaycard to tell them that i want to make an official complaint and awaiting some forms to fill. Does anyone have any thoughts or experiences this. Thanks
  13. Dear All, I filled out the online form for Barclaycard to reclaim my PPI, which I never realised that I had. I get a reply this week enclosing a copy of a letter dated November 2014 that apparently they sent me when I applied for return of PPI the last time??? I have zero memory of doing this and I am not convinced they are telling me the truth. In any case they are telling me that nothing was miss sold and I am not getting any money back. It seems like a generic letter and they have used internal and external evidence to reach this decision. They have also included the "linked cards" that where on my account? I have no idea what the linked cards are. Does anyone have any ideas? I am about to send a new letter to Barclays advising them that I never received the letter dated November 2014, can they please provide copies of all credit contracts between barclay card and myself and also copies of all the evidence internal and external that supports their case so that I can take this case to the next stage. I would also like supporting evidence that shows me that the PPI was not missold. I have advised that i will take the case to the BO. Has anyone else had a similar situation? Does anyone have any experience as what has happened once they get a letter asking for the supporting evidence? Finally what linked cards? Many Thanks
  14. HI all have a sepearte thread for another of these hoist have sent me a claim form for a debt for a barclaycard pre 2007 i have already sent a cca request off to hoist which they have repsonded saying they are looking into it and a cpr request to cohen which they have ignored i also sent off a SAR request to barclaycard via the online tool a few weeks back heard nothing and they havent called to take a £10 payment the particulars of the claim are This claim is for the sum of £5410.23 in respect of monies owing under an agreemen with the account number xxxxxx pursuant to the consumer credit act 1974 (CCA) The debt was legally assigned by MKDP LLP (ex barclaycard) to the claimant and notice has been served the defendant has failed to make contractual payments under the terms of the agreement a default notice has been served upon the defendant pursuant to s.87(1) CCA The claimant claims 1. the sum of £5410.23 2.costs just need help with defence i already been a logged onto moneyclaim and did that ready to file the defence which i have another week or so to do i beleive the claim is dated 24 april
  15. Hi, I have a mediation planned with regard to a small claim issued against me by Howard Cohen solicitors on behalf of hoist portfolio that I have a few questions about that I would like help on please. A bit of back ground information.. The debt for £2900 was originally passed to MDKP LLP in November 2014, the account was then assigned by MKDP LLP to their client Hoist Portfolio in December 2015. I had a payment plan set in place of £50 per month and made payments reducing the total outstanding to £2000, in around June of this month i fell in to difficulty and missed a couple of payments, I called and explained and was asked to provide an income and expenditure to show what i could afford and was told they would send me the appropriate paperwork for me to fill in. Approx 2 weeks later I received a small claims pack requesting the sum of £2000 + costs so roughly £2200, I called Hoist Portfolio and explained I was waiting for an income and expenditure pack and was told by a rather snotty woman "its too late now, we will not accept any payments on this account no matter what you send in to us, we have forwarded this now to our legal department and we are taking action against you" I was then told it would be easier in the long run if i accepted the action and waited to see what the judge asked me to pay, I thanked her kindly for her useless information and hung up! I followed directions that have been posted on here and clicked defend all and sent the pack back, but first i sent a CCA request and a cpr 31.14 both went unanswered, I then submitted my defence on the last day i was allowed and its posted here. Particulars of Claim. 1.This claim is for the sum of £2000 in respect of monies owing under an Agreement with the account number xxxxxxxxxx pursuant to The consumer credit Act 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served 2.The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the defendant pursuant to s.87(1) CCA. 3.The Claimant claims 1.The sum of £2000 2.costs 1 The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is accepted. In that I have had financial dealings with Barclaycard in the past. I do not recall with any precision the agreement the claimant refers to and have therefore sought clarity by way of a CPR 31.14 and CCA section 78 Request 3. Paragraph 2 is noted but again I have no recollection of the agreement or whether a Default Notice was ever served.The claimant is therefore put to strict proof to disclose the default notice its claim relies upon. 4. On receipt of the claim form, the Defendant sent a request under the customer credit Act 1974, by way of a section 78 for a copy of the agreement, and on payment of the statutory fee of £1.00; the Claimant did not respond and is and remains in Default of said s78 request. A further request was made via CPR 31.14,* requesting disclosure of documents on which the Claimant is basing their claim. The claimant has failed to respond and to comply. 5. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement and; b) show and evidence the nature of any breach and Default Notice; c) show how the Defendant has reached the amount claimed for and; d) show how the Claimant has the legal right, either under statute or equity to issue a claim. 6. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed. 7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the consumer credit Act 1974. 8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. When I submitted i ticked the mediation box, I was surprised to receive a response back that the claimant also ticked the mediation box and i now have a meeting planned next week for a one hour time slot on the phone. Since setting up the mediation I have received a pack from howard cohen with some old card statements showing the balance at £2900 from barclaycard until MKDP took over the debt, a reconstituted credit agreement with no signature of mine on or anyones for that matter, a couple of default notices and a notice of assignment. Now what I find strange is the very footnote of the letter i received states the client will consider allowing me to repay the debt by installments for the outstanding balance on sight of my income and expenditure details and payment offer and states an arrangement can be formalized at the above mentioned mediation. I just dont get why they would not entertain my offer before yet once i click defend they now add this footnote or is this a standard comment that they put knowing full well unless i pay the full amount upon mediation they will pursue me through the small claims court? When I spoke with the lady who set up the mediation appointment she implied most cases dont end up being settled with the full balance being paid and kind of pointed me towards offering less than the £2000 they are asking for, not sure why she did this tbh. My questions are, 1.are they nervous because they have no proof they own the debt? 2. what kind of payment plan should I offer initially expecting to have to go up a bit to where they want to meet me? 3.lastly realistically what are my chances of getting something set up without having to go to court and get a CCJ using the mediation process? Thank you and sorry for the essay just thought it would be easier if i added all information i held.
  16. I have had a 2x Barclaycards since 1994. I have asked Barclaycard regarding PPI but have not got anywhere with them. I raised a complaint on their website in 2016 and received a letter rejecting the claim in Jan 2016. I didn't respond after that. I received a letter in November 2017 saying I may be able to claim on the Plevin case ruling. I did this and they said they would re-open my original case from 2016. I have not heard anything from them and rang them again on the 2nd Jan 2018 they said they were treating this as a new case and there was no time limit for them to investigate the case. I received a further letter dated 3rd Jan saying that they couldn't provide a decision due to the volume of cases they had received but I could contact the ombudsman as some time had passed since I first complained. I do remember filling in a leaflet and ticking a box for PPI but nothing was ever explained to me about the insurance. firstly do I have a case to claim back PPI and as I didn't respond in 6 months have I missed my chance if re-claiming the PPI I paid.
  17. Sent off prelim letter with compound interest spreadsheet and VERY quickly they responded with a cheque for £276 with usual blurb about being in line with OFT ruling and fees reduced to £12. Do I now sent LBA mentioning Limitations Act as I am claiming fees from 2010 to 2012 and whatever I can find that seems relevant (already pointed to a very successful case which I will take time to re-read). Do I also accept cheque as a part-payment or not? When doing my POI (eventually) do I just leave the spreadsheet as it is currently showing but put that I have already received the amount above - my reasoning is that they will still owe me the interest on amount received and this is now almost £800 with interest added. They do appear to have given me some interest as total fees only came to £168.
  18. Hi, this is one for people who really know their contract law, specifically the consumer credit act. This is the scenario: I have a builder do me an extension. Our contract states the work will cost £100k. In order to get s75 CCA protection, I get the builder to give me 4 invoices. Invoice 1- foundations, £25k (price shown on the contract) Invoice 2- Roof, £25k (price shown on the contract) Invoice 3- Walls, £25k (price shown on the contract) Invoice 4, decorations £25k (price shown on the contract). £100 was paid for each invoice using a credit card. The transaction I made on each card was for the invoices, not for the contract. Each invoice takes the pricing from the contract. Does anyone, who has a legal mind with a speciality in contract law, know if I can expect cover under s75 CCA in this situation? thanks
  19. yesterday I had a case dismissed in the County Court brought by IDR via Kearns. A quick run down of the case: Following the sale of a Barclaycard debt to IDR, a letter was received from Link demanding money together with a default placed on my credit record. [removed] I challenged the allegation. This seemed to put them off - or so I thought. A year later I received a hearing letter via the Northampton courts and subsequently submitted a defence. This led to the case being successfully stayed. At this point I submitted a CCA and S78 request to Link via Kearns. Kearns reply was that they did not need to apply the time constraints I had specified. It took them almost six months to provide this information and at the same time they (without notice) successfully applied to have the stay lifted. My first mistake was not applying for the claim to be struck out following the specified time. the claim was then directed to the fast track process due to the debt being in excess of 10k - which as we know has the added risk of costs!!!! In deed a number of letters from Kearns continued to warn me that "costs were escalating"..... I decided to focus all my efforts into compiling what I considered a rock solid defence based upon the fact they had failed to send the correct doc stated. What I did receive was a photocopy of a photocopy of an application form, the "deed" of assignment and some letters allegedly sent from both Barclays and IDR. Eventually, almost 18 months later I had my day in court. Firstly the DJ was extremely accommodating and seemed to have an air of empathy with me (maybe fed up with the likes of Kearns appearing in court (or their advocate) with no defence presented and therefore continually being awarded the case on default! Lesson 2 - ALWAYS SUBMIT A DEFENCE!!! The case was planned for a day but was done and dusted within three hours. It seemed the claimants main argument was based on a moral argument that I had paid some of the debt at some point and the address on the application married with my current address so therefore I owed the money. I made no attempt to deny a barclaycard was at some point held but that the assignment and default process was not followed correctly. I was shown copied of Barclaycard statements for a period of three months highlighting my address and the amount outstanding. The counsel then stated that if they had provided ALL the statements for the life of the account then it would have been several folders worth... the Judge then commented that they should in deed be there. I thought nothing of this statement..... We were told to leave for an hour to allow the DJ to read through the paperwork until judgement. One coffee later we were called in and the DJ went on to say that she accepted the application form and that it seemed the deed of assignment were correct (despite being a pre 2007 agreement). As she went through her findings I felt that I was now facing the judgement of awarding the case to IDR but possibly not the statuary interest. It was at this point that I was then shell shocked went she went on to say - "how could she possibly award an amount specified by Keanrs on behalf of IDR if she could not see how the debt was accrued (by virtue of not seeing ALL statements) and announced case dismissed!!! I was asked what costs I wanted to be considered and in the numbness said nothing and that I was just happy with the verdict. The assigned debt was £13k, but with inflated costs from LINK had risen to £18.5 and was then looking at aprox £6k of legal costs....this was going to cost me in region of £25k my lesson ere is never give up hope, to do not crumble under pressure and present yourself in an amicable manner during court (the DJ remarked on how well I conducted myself and that i was quite right in challenging any alleged debt! Thanks to the likes of these forums I was able to see that there was another outcome than just allowing a default CCJ to be registered. Now on to getting the default lifted!!!
  20. Barclaycard response below: I will only post the important bits We refer to your request for documentation under Section 78 of CCA 1974, we need to advise you that , regrettably, we are currently unable to fulfill your request. As such, we are not currently able to enforce our agreement with you and the agreement will remain unenforceable until such time as we are able to fulfill your request. what this means for you whilst discussions continue, we know that we're not able to enforce our agreement with you, but our rights continue to exist under the agreement. your balance is £3,731 and you will need to continue payments, blah blah blah. it is important to note that, where debt has accrued on your account, we will, where required, report to credit ref agencies, demand payment blah blah blah. they acknowledge delay in responding and accept that they are therefore prevented from enforcing our agreement they di however very kindly enclose a copy of short form cancellation and historic terms and conditions - why would I want those, lol next action - IGNORE and see this as a winner ??
  21. I've been reading through the forums for a while but just am getting a bit nervy now! Im at the stage where after submitting the defence, ive got the Defence questionnaire re the small claims track. Hoist still haven't responded to my requests for info, and ive not had anything back from Cohens either and the requests were sent at the end of April. Before it got to this stage, Id spoken to the litigation department twice requesting correspondence - in the second call, the Hoist person said that they wouldn't be sending me any requested info... Am i correct in thinking that i now tick the mediation box and take it from there? I then explain about the requested information not being provided - assuming it still hasn't by then? Sorry if this has been said loads before, but i just need to know for my own peace of mind!
  22. 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)
  23. Hello , I'm new here and I was looking for some guidance. I have had a Barclaycard since the early 1990s , indeed i believe probably before 1988. I took this out following a meeting with an advisor at barclays. I was told protection was compulsory and that I needed it to protect myself from any problems with the goods I was buying etc . I did not need it for any other reason as I had excellent cover from my employment for sickness etc . I was young and naive and was led to believe it would be a condition of me getting the card . I have had this protection on thus card ever since . I have always been in debt to them ever since ,except for a 2 year period when the card was dormant and paid off and until then the average I owed I would say was aleast £6000. This may be a conservative estimate . I have been very foolish with money all my life but I have never defaulted on the card or made late payments. I recently was told that the cover was PPI and strongly believe I was missold I have written to them make a complaint and am waiting for their decision. i have asked them to cancel the ppi as it is not the cover i thought it was and i was not asked if this was required . my query is that BC have told me it may take more than the requisite time to deal with the claim. is this normal? also if this is upheld how do they calculate any redress? I suffer with depression and anxiety and would appreciate any help many thanks
  24. Hi everyone, as suggested I am posting each of my debts separately so I sent a CCA letter to Allied International Credit regarding my Egg credit card (now Barclaycard), I should have received an answer by 22nd July '14 but have today received a letter on Barclaycard headed paper saying they have enclosed a "reconstituted copy of your agreement". it is saying that they are "currently unable to provide a copy of the terms of your credit agreement" and go on to say "they are therefore prevented from enforcing our agreement with you". However they also say "we can and will continue to take any action short of enforcement, which includes reporting to credit reference agencies without telling them that the agreement is currently unenforceable, demanding payment from you". They refer me to a case of Philip McGuffick v The Royal Bank of Scotland (2009) EWHC 2386 in which it was held that none of these steps constituted "enforcement" for this purpose. What do I do now, is there another letter that I should send in response? What they have sent me is just a printed copy of a credit agreement which anyone could print off, no signatures. I would be grateful of any advice on this guys, I have other debts that I have sent CCA's to, should I have sent a different letter asking for original signed copies?
  25. Had an old egg card that I defaulted on back in 2010. Agreed payment of £1/month with egg then was informed barclaycard had assumed the debt. Continued to make my payments but they suddenly started getting rejected by barclaycard. Eventually cancelled the standing order. Last successful payment was may 2012 so about 9 months until it is statute barred. Now out of the blue had a letter to my old address (new occupant there has sent it on to me) saying Robinson Way on behalf of Hoist are instructed to recover the debt. First question is whether or not to ignore the letter as they still haven't quite found me? Can they start proceedings without having my correct address? From reading other posts on the forum it seems highly likely they wont be able to provide a true copy of my signed agreement they wont be able to take any enforcement action in which case making contact with them now would head off any likelihood of court proceedings that i dont know about. Any advice will be greatly appreciated.
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