barclays refusing to except offer of monthly payment

[focus243]

I have defaulted on a loan with barclays and have written to them and explained my circumstances and includes expenditure and expenses spreadsheet. They have refused my offer which is the most I can afford and will not freeze interest.

 

I have wrote to them twice and they just send a template letter and tick a box saying they will not except my offer and interest will continue to be charged and that I should contact CAB to discuss my financial situation which I have already and they have given advice to offer a payment of a pro rata offer to all creditors. I have told them in my letter that my offer is as advised by CAB but seems to be falling on deaf ears.

 

Help, I dont know what else to do. I havn't phoned them at all and they do not have my phone number so everything has been through letter which is how I would like to keep it.

[dx100uk]

stop asking them!!

 

write to them TELLING them because of financial hardship you will only be able to pay £XX for XX mts. and could they please refrain from charging interst & charges to help you in your time of need.

 

pay it by internet banking and do it ever month without fail.

 

they are just chancing their arm with you.

 

if and a very big IF it ever got to court, the judge would laugh it out the door & prob dictate a lower repayment, BC know this thats why they are playing hardball.

 

whatever they write or do keep paying regardless .

 

now, get reclaiming those charges you obviously have & dont forget to int at their rate compounded & 8% sta on top.

 

also, what about PPI? got that, you could reclaim that too under mis-selling rules i bet.

 

 

they have NO RIGHT to know your financial details so ignore doing any further I/O sheets.

 

dx

[focus243]

Thanks DX

 

I didn't take out ppi, I have thought about just paying what I have shown I can afford, but they did send an agent to my door when I was out who left a card saying he would be back SOON if I didn't ring the number. I was a bit scared of him coming back so rang him and told him I am dealing with Barclays by letter and waiting for acceptance of my offer, so hopfully he wont come round again.

 

They know I only live in rented property, but worried they might take the car which I brought with the loan.

 

not sure if they are allowed to carry on charging interest on the outstanding balance, but will reclaim if they are in the wrong.

 

 

Thanks Focus

[dx100uk]

doorstep vists

from who, thats not allowed.

 

is this linked to this thread?

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/148417-barclaycard-credit-solutions.html

 

if so they need merging and you need to stop creating new threads when you have alrady started one for this debt.

 

dx

[focus243]

no it is the exact same debt they sent scotcall to my door on behalf of barclays.

[dx100uk]

so it is the same thread

they need merging then

 

now, door step visits and the debt is in dispute tut tut barclays

 

stay off that phone for one.

 

now you have already an made offer, write as advised and stick to it.

 

get and reclaim those charges !!

 

dx

[focus243]

No sorry, they are entirely seperate threads one is OT barclaycard/credit solutions.

 

This thread is Barclays personal loan in my name nothing to do with OT.

[dx100uk]

ok undi stood

so no charges or fees or ppi then?

 

thats a shame:D

 

ok well stick by your offer then.

 

dx