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  1. Hi Wescot have written to me about a barclaycard debt which they and Barclacard have written to me confirming the debt is unenforceable. They both claim however that collections can continue and they threaten more contact from the recovery team. Despite writing on sevreal occasions requesting all correspondence to be in writing they continue to phone. If it is unenforceable i am not going to pay , i think they recognise that . How do i go about either finalising this matter or at least prevent endless telephone cals from Wescot please ? Thanks
  2. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – . 01 March 2016 what is the claim for – the reason they have issued the claim? 1.Claim forr the sum of £7600 in respect of monies owing under an agreement with account no 5301************ persuant to the consumer credit act 1974. 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 persuant to s.87
  3. I've only just found this forum and need help regarding a County Court Claim from Hoist Portfolio details as follows: Name of the Claimant Hoist Portfolio Holding 2 LTD Date of issue – 22/08/2016 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1.This claim is for the sum of 2537.85 in respect of monies owing under an Agreement with the account no. 4929 XXXX XXXX XXXX pursuant to The Consumer Credit Act 1974 (CCA 2.The debt was legally assigne
  4. Hi, Looking for some advice. Back in late 2010 my finances hit the skids somewhat and I've been trying to recover ever since. I had large debts mostly on credit cards and negotiated reduced repayments on all of them. 4 of the credit card companies defaulted - these defaults will drop off my credit file over the next year or so once six years has passed. However Barclaycard never defaulted either of the two accounts I have with them. Initially I made token payments of £1 for 3 months on each account and then agreed a reduced monthly payment after this. M
  5. I've had a letter from Cabot for an old barclaycard I took out last century, and have been paying a small nominal amount since I left my previous job. What does prescribed terms mean? I also read elsewhere, asking for a copy of the CCA was an admission the debt was correct, is this true? I was considering asking them for this, as currently I am off work recovering from a serious illness and really do not want the stress of this. They have also credit searched me recently, I'm pretty sure that's not legal as I have certainly never given them permission to do s
  6. Whilst i have a little experience with reclaiming charges etc this was some 7 yrs ago so i just wanted to make sure i follow the correct procedure for this one. Old Barclaycard debt with current balance of £696 against £500 limit, BC wrote yrs ago closing the account for no apparent reason. A/C opened march 2008 and no activity since at least 2009. PING PONGED with various DCA's for a good few yrs, latest was with MKDP LLP until letter recd from both MKDP LLP and Robbers way regarding account being re assigned to HPH2 LTD and Robbers way will be collecting on their behalf, both
  7. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 19 May 2016 20th June 2016 to submit defence What is the claim for – 1.This claim is for the sum of £3755.27 in respect of monies owing under an agreement with the account no. XXXX pursuant to The Consumer Credit Act 1974. This 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.
  8. Hi, I've been a customer of Barclaycard since April 1996 - so a very long time! A couple of years ago after a messy divorce , I found myself in a bit of a financial mess to the point where I had to enlist the help of StepChange to sort things out. Until now, Barclaycard have been fine and were happy to accept the payments from StepChange. Unfortunately I missed a payment which "broke" the agreement but they were happy for me to continue on an "informal" arrangement and indeed back in March this year when I contacted them they assured me that there were n
  9. Hi, I'm new on here so please forgive me for asking questions that I have no doubt have already been asked. First of all I like to say thank you for this forum. I have started to check for PPI (not through a management company) but keep getting problems which I don't know what to do next. I wrote to Barclaycard to see if I had PPI (I have no paperwork as the accounts go back 20 years and was closed around 10 years ago). I got a response saying I have 2 products with PPI and was given account numbers. I then went on to fill out a form online. I get a res
  10. first of all to say hello to all users. i am new here be gentle . i have read the forum rules etc . feel free to say hello and if i can help i will. On a more positive note i have recenly been paid out in excess of 7k from barclaycard ppi. how do i confirm they have calculated this correct, i assume a sar would be needed here and can i still do this even tho they have recently paid me out?
  11. Hi Had a bit of a shock when i opened the post a few days ago to find a County Court Claim form, hope you can help. Its from County Court Business Centre Northampton from the above claimants for an old Barclaycard debt that goes back to 1991 that was passed to MKDP and then Hoist Portfolio Holdings 2 Ltd, the debt collectors managing it are Robinson Way. The claim was issued on 02/03 The POC is as follows: The Claim is for the sum of £4395.98 in respect of monies owing under an Agreement with the account no. XXXXXXXXXXXXXXXX pursuant to The consumer credit
  12. Hello, I am looking for some help please. I currently have 2 credit cards, one with capital one and one with Barclaycard, owing approx £7,000 on each. Whilst I have not defaulted on any payments and have not reached my limits, the monthly payments have become a struggle and I can't afford the requested minimum amount anymore. I have been looking at contacting them to request a lower payment arrangement and an interest freeze. By all accounts and looking through the library letters and other posts, my chances of them agreeing are pretty much nil, as most
  13. After nearly 2 years with the FOS - Barclaycard have now finally suggested the following redress:- Total PPI payments = £534.00 Associated Fees = £808.00 Associated Interest = £1038.00 Statutory interest = £1351.76 My redress covers the following periods :- Nov 1989 - Dec 1998 ( No statements - so account is reconstructed) Jan 1999 - March 2007 ( Full statements provided - PPI cancelled March 2007) I can upload the Barclaycard calculation schedule however in the mea
  14. Hello Caggers, I have been having a discussion with Barclaycard because I noted, in May 2016, that the period between the date my bill was issued and the date my payment was due had been shorted by several days. This very nearly caught me out as the payment is had always before and since (I now realise) been due on the 15th working day of the month. In May it was "due" on 11th working day of the month. I had a look on their website, it says: "Your payment date is fixed to a particular working day of the month...". I take that to mean it is fixed - in my case to
  15. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 01 March 2016 what is the claim for – 1.Claim for the sum of £7015.01 in respect of monies owing under an agreement with account no >>>>>> persuant to the Consumer credit act 1974. 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 persuant to s.87(1) CCA. 3.The Claiman
  16. Can someone kindly confirm correct contact address to avoid any delays. Thank-you
  17. I have an old Egg credit card which went into default a number of years ago after I had to close my business. I have been paying £1 per month for a couple of years now. The payments are going through Capquest. Last time they asked for a financial update i asked for a copy of the original loan agreement. As I understand it Barclaycard took over Egg cards a number of years ago. I have attached a copy of the letter with details blanked out - the outstanding is around £3000. In the letter B/card state that they cannot currently fulfil my request, and as a result the outstanding is unenf
  18. Some way down the road with this already having sent letters and schedule of charges etc. Got some money knocked off twice. Sent a Letter Before Action but have not been on top of things and not followed up at 14 days. Weeks have passed. Am now going to file for court in earnest after sending a revised Letter Before Action. I'm not really happy with the way I am calculating interest in my prior documents and want to get it right and proceed with vigour. THE PROBLEM: Historic charges were applied on particular dates and did or didn't attract interest for varying amounts of time d
  19. Hi all , I have a defaulted barclaycard account which was sold to MKRR recently, ouststanding balance about £4500. I have been passed from one dca to another over the number of years that i have had this account set up payment plans then things have happened so they havent been stuck to, it then goes quiet for a few months and then seems to get passed to different dca i have received 3 letters to date first 2 were to inform me that barclaycard have assigned and transferred my account to MKDP LLP etc the third one i received today from MKRR asking me t
  20. I had a Barclaycard roundabout 2005 - I have only one statement as proof which shows a balance of £2,156. Account closed due to non payments and sent to 1st Credit debt collection agency in Oct 2006 with a balance of £2,541.90 outstanding. The debt was never settled as I had to leave my job to become a full time carer for husband with motor neurone disease. got a letter recently regarding 'Payment Break Plan' attached to this Barclaycard which showed first 4 digits of the account number, my name, address etc I am totally unsure of how to answer the questions to be su
  21. Hi Just received 2nd county court Claim form, within 2 days of each other, have another thread running for first one. Its from County Court Business Centre Northampton from the above claimants for an old Barclaycard debt that goes back to early 90's that was passed to MKDP and then Hoist Portfolio Holdings 2 Ltd, the debt collectors managing it are Robinson Way. The claim was issued on 04/03 The POC is as follows: The Claim is for the sum of £4710 in respect of monies owing under an Agreement with the account no. XXXXXXXXXXXXXXXX pursuant to The consumer
  22. Hi there I took out a Barclaycard in 2006 I got into difficulty in 2013 after my mothers death and the account was passed to link financial- I thought they were a subdivision of Barclays so I set up a payment arrangement of £5 per week I was receiving letters from both of them at one stage so was confused who was dealing with the account. I was given new bank details to pay link direct so did so accordingly (mistake I now fear) I understood that I received a default from Barclaycard but on checking my credit file i have been quite surprised The Barclays information sho
  23. Hi Everyone, I've tried reading as much on here as possible however I'm now at a point whereby asking might be a clearer way forward. Debt - £2583.32 Creditor - Barclaycard I've had a letter through from Kearns Solicitors informing me that I have to pay the outstanding debt of £2583.32 is required in full otherwise I'll be taken to court in 14 days. I contacted them stating that I was unable to make any form of payment and that I had sent a financial statment to both IDR and Link whilst making an offer of £1pw. I was told that Kearns could either enter into a
  24. Hi all, I've just found this forum and I'm seeking advice. My husband and I have barclaycard debts totalling 18k. It has accumulated over years of just paying the minimum payment, and having to use it in times of unemployment and ill health. We are unable to afford the monthly repayments, and I can't see that changing in the near future. I rang stepchange and they are in the process of starting a debt management plan for us. We have our mortgage with Barclays, our current account with Barclays too. I've read that Barclaycard can take money from our account at any
  25. Hello, I've not posted on these forums before but I have been an occasional reader and understand they may be occasionally monitored by DCA staff, so I'mm be intentionally vague with some of my personal info... I have been contacted by Lowell regarding an alleged Barclaycard debt that they have purchased. Although I have had an account years ago with Barclaycard that defaulted whilst in dispute over a number of issues, I do not recognise this debt as mine as the figure quoted by Lowell is much higher than that which I left in default. The amount quoted is a significant
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