Hi there, Had some major financial problems in 2005 following a car accident and came to an arrangement to pay a token amount to Barclaycard (and others!) as I was sliding deeper and deeper into debt. Moved house a couple of times, but told them where I'd moved to. Didn't hear from them at all for quite some time. Then in 2007, they suddenly decided that I should be paying more so wrote to my old address to tell me this and of course the letters they claim to have sent never reached me. So, in 2007, Mercers, acting on Barclaycard's behalf defaulted me. I think I was paying £5 a month at this point - well below the minimum payment. At some point, they must have realised that I'd moved and Credit Solutions wrote to me. I called them and explained I was still struggling financially and would they let me continue to pay £5 a month - all I could afford at that time. They rejected this offer and then the serious pressure started. Four or five letters a week, constant phone calls. In desperation, I increased my payment to £30 per month. I then got in touch with CCCS who said I could only afford to pay them £11. They wouldn't accept this so kept on paying £30 for another year. In 2008, situation deteriorated further and after more advice from CCCS, told Credit Solutions I could only afford to pay them £1 a month again. They weren't happy but as I'd sent them letters from CCCS they had to accept this. End of 2011 - six years after my financial meltdown. I decided to check my credit files to see if other defaults have been taken off my records. Couldn't believe what I saw. Lots of mistakes by other creditors (to many to go into here!). I started doing some research and read hundreds of posts on here. I realised that Barclaycard should have defaulted me earlier and that if I could get them to accept this then at least that would be one less default to worry about and it should disappear from my records. Many letters passed between us (Barclaycard and myself) and eventually they decided as a "goodwill gesture" that they would ask the CRA's to remove the default because of the time that ahd elapsed and instead ask them to record an "Arrangement to pay" - which incidentally is still £1 a month (times are still hard!). After reading lots of posts about this on this forum, I knew this was not right. They won't have it and neither will the CRA's. So, looking at a couple of old statements, I realised that I had a number of excessive charges and PPI. Didn't have a full set though so decided to sent a SAR on 18 June 2012. I finally received a pile of papers from them on 31 August 2012 (after a couple of delaying tactics). It had been sent by recorded delivery (all correspondence I've had from them I've sent by recorded delivery too). The letter with the documents was dated 7 August so I've no idea why it took over 3 further weeks to reach me! The documents included an application form - which I think they're claiming is a credit agreement (see below - sorry for quality but scanner broken so I photographed it!), various copies of recent letters and a large computer printout headed "Data Protection Act Reporting" together with a fairly large pile of printed pages headed, "Complaint Management System" (which very neatly describes how they goofed in issuing the Default) . The document I've attached below is a letter I sent to them in August which explains all the queries I have. Despite sending this to them four times now, each time by recorded delivery, they've returned it to me with one of their standard letters. The first time because they said they couldn't locate my account - despite already having written to me. I tried ringing them to change my address but in the end I had to go into my local Barclays branch who were very helpful and astounded at the attitude of the staff in the Recoveries Department! The second and third time they returned it, they gave the reason as "There is no £10 admin cheque provided." Both times I replied giving them details of the cheque number and when it had cleared through my bank. The final time it was returned was this morning. The reason given this time... "A SAR request has already been completed within the last six months in relation to the account(s) provided and the data sent directly to the customer." They're obviously playing silly b****s! In the meantime, I received a letter from them dated 11 September 2012, advising me that, "Your account has now been passed to Allied International Credit (UK) to manage collection on your account." The letter goes on to provide Allied's address , phone numbers and opening hours. It then goes on to say, "We will no longer accept any communication from you." When I sent the above letter for the third time to the Data Controller, I sent a covering letter politely telling them that Alexandra Regan, their Senior Collections Manager (the name at the bottom of this letter) is obviously unaware that they can't transfer my account to anyone whilst there is a dispute on it and that maybe she should be advised of this. They returned this letter too! I have to say that their capacity for breaking the rules is almost as impressive as LLoyds, Egg and M & S (yes, three more account problems I have to address!) So what next? 1. No executed copy of a CCA (document they sent me attached) 2. "Goodwill gesture" to remove faulty Default from my credit records. However, their actions suggest that they are trying to wipe the slate clean as far as the Default is concerned by asking the CRA's to publish an Arrangement to Pay on the account to go back to October 2005. Two problems with this as far as I can see. They closed my account apparently in April 2006 and have been demanding full payment of the outstanding balance since mid-2007. Surely they can't do this without notice and issuing a default notice? In any event, there is no arrangement to pay as I stopped paying them in August 2012! 3. They have ignored my complaints about the PPI and excessive charges 4. Both Noddle and Experian refuse to remove the Arrangement to Pay from my records as, "Barclays have advised us that the entry is correct." My instinct is to ignore them now and see if they take me to court. I will have plenty of ammunition if they do. On the other hand, the entries for the "Arrangement to Pay" needs to be removed from my credit records sooner rather than later for obvious reasons. All offers of advice will be gratefully accepted.[ATTACH]38590[/ATTACH][ATTACH]38591[/ATTACH] Kind regards Sue