B Card Have Stopped Reduced Payments

[Hardupnotfedup]

Hello Guys,

I'm looking for some advice or ideas in how to approach this, I do not dispute the debt apart from maybe a few unfair charges in the past, I have never wanted to upset the applecart because to be honest BC have been reasonable to me over the last 2 years in accepting a payment of £7 a week towards a debt in excess of £7,000. I originally set this up through a debt management company I no longer want to use them(big fees).

BC have now sent me a letter saying that they now want to withdraw the reduced payment option and re-instate interest.

I am actually worse off financially now than when I set up the reduced payment.

Is it worth just writing to them stating my position financially?

I am tempted to just tell them this is what I'm willing to pay and if you don't like it take me to court.

 

Thanks peeps

[Seminole]

A court will only make you pay what is demonstrably affordable. However, you would end up with a CCJ which is generally not a good thing.

 

Bcard are trying to negotiate a new payment arrangement with you with all the sublety of a bull elephant. You should respond to their letter offering a payment that you can afford. If that's less than what you have been paying then so be it. You could mention the point above about what the court would do but don't do so in a threatening way.

 

If they won't play ball then post what they say here.

[cerberusalert]

I have never wanted to upset the applecart

Now they've upset the cart don't you think it's time now to see whether the CCA is in fact enforceable? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

[Hardupnotfedup]

Thanks Seminole that is along the lines what I was thinking, but thanks for the tip about being less threatening:) I would have been a bull in a china shop to be honest. Are there any template letters available, I know it sounds lazy but I know the templates are better than anything I could construct.

 

Thanks again

[Hardupnotfedup]

Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

[Seminole]

Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

You'd be surprised at how bad their record keeping can be, particularly if you've been with them for a while but I think your approach is the right one for the time being. If you start getting letters from a company called Newmans, that is Bcard's in house debt collector.

[mikexlr8]

It's a nonsense to pay anything towards a debt that increases.

 

Offer them £1 per week ... see what they say.

[diddydicky]

Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

i'll bet you a pound to a bucket of pigsh*t that they do NOt have a valid agreement- still if you want to play the white boy - trust me they will walk all over you

 

get that s78 request off now

[Hardupnotfedup]

Thanks guys, I will send off letter with my offer tomorrow and let you know the reply. If they mess me around then I will go down CCA route, I already have one account in dispute with another credit card as they sold on debt that I was paying without warning, anyway I want a paper trail if it does go to court.

Diddy they have been reasonable for 2 years plus so hopefully that will continue if not then the real fun will start.

Edited December 2, 2009 by Hardupnotfedup

[florish]

I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

[Hardupnotfedup]

Thanks Florish great idea to do both at same time, offer and cca request.

[diddydicky]

I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

 

ill bet they have!! you are paying them for nothing i would imagine. they have not complied and sent you a true copy of an executed credit card agreement and they are in default of s78

 

 

you need to send the second letter from the template section