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Outstanding Debt


jimwilson
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Hi , I have a debt with Barclaycard of over £2000, i have avoided paying it for a couple of years, but have now caught up with me. The thing is the amount they are requesting seems to have shot up on this as i thought i was only about £500, and i can't remember what the actual total was supposed to be. Should i try and offer them a settlement amount of say £500, or should i try and opt for so much a month?

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Depends what you want to do.

 

You could send a CCA request to see if they even have an enforceable Agreement, when did you take the card out?

 

You could send a SAR request which will get you all of the paperwork they hold on you personally, which would help you see where the extra £1500 has come from - probably charges and interest which you may be able to claim back.

 

Too early yet to be thinking of an F & F Settlement in my opinion.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Guest Cartaphilus

Would it not say in any letters you've received what type of account it was ie account numbers for card and current account would be very different?

 

The thing is the amount they are requesting seems to have shot up on this as i thought i was only about £500, and i can't remember what the actual total was
Alternatively, I just had a think ... did you have a card and a current acount? I was just wondering if Sadlycard or Sadly's (Barclaycard) had somehow combined both into one amount. I've read it does happen, but I've forgotten the name for this kind of thing.

 

Also, as it's likely after this length of time to be with one ... Which DCA is this now with as it often helps with what answers/solutions to give eg how awkward said DCA is going to get.

Edited by Cartaphilus
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thats a credit card.

 

pers i'd ignore them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guest Cartaphilus

Yep. Credit card. Due to connection problems - must be high demand on the internet today as my phone isn't working - reply was delayed.

 

Are you sure that HFO has sent you the correct card number details or that it's Barclaycard as the creditor? 4921 ... take a look here, as I was looking up which of their cards began with that number (as they usually start with 4929) to try and pinpoint which type of card it was with them, found this:

 

http://en.wikipedia.org/wiki/List_of_Bank_Identification_Numbers

Edited by Cartaphilus
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See post # 2

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Apologies it was 4929, so number is probably correct. Will contact the phone number today to say i will be sending them a letter asking for clarification of this account ie, i do not recall having an outstanding debt on a barclaycard, could you please show me information proving this. Is this the way to go?

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never EVER phone these DCA leeches!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Jim,

Here's the template letter asking them for details of the debt

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

amend to suit...

 

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Because DCA employees are trained to extract money from you and to use unpleasant tactics to do so. Things are said over the telephone that won't be put in writing- eg people have been told that the police will be around to collect the debt.

 

Written communications provide an audit trail that can be cited in court or to regulatory authorities later if necessary.

 

The only caveat I would attach to this is speaking to them if you are recording the call can be OK in some circumstances.

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