Barclaycard - RMA - CLOSED ACCOUNT WITH £3000 OUTSTANDING

[Ginger66]

Hi all

wondering if anyone has any advice for me here.Basically i had a Barclaycard debt passed onto RMA collection 2 years ago,was around £4500.I was paying every month without fail £100 then found out RMA were creaming £30 of that every month.

 

To cut a long story short after i CCA'd RMA and sent threatening letters to them with regards to the harrasment they were giving me, the debt was passed back to Barclaycard with a debt of £3000.I was quite happy paying every month until i found out RMA were ripping me off.

 

After speaking to Barclaycard they said the account was yet to be passed onto another collection agency.Since then my credit file now says the account has been closed with a outstandind debt of £3000 which doesnt look good on my file.

 

Whats best to do ? Just leave it and hope BC do nothing,it will still be on my file. Or do you think BC would accept a settlement.I am unaware they have done this before.

 

Thanks

[slick132]

Hi Ginger,

 

Take a look here for starters - http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/126018-barclaycard-mercers-insider-info.html - this is, however, just someone's advice/opinion.

 

There are various aspects here to be considered:-

 

1. BC can sell/pass this debt on for more aggressive collection.

 

2. Have you asked them to freeze the interest and accept a monthly pay't.

 

3. The debt remains unpaid so will show as a Default against you.

 

4. I assume the CCA to the DCA produced nothing. Have you CCA'd BC direct.

 

I'll seek some further opinion as well.

 

Slick