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Barclaycard Wescot Cabot Red Lowells Hampton

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Hi everyone.

 

I am looking for some help with dealing with Debt Collection Agencies.

 

 

I have 5 credit cards and 1 store card. All are now closed and 3 have been in default for around 18 months.

 

I opened a Barclaycard account in 2003 and balance stands at £3,488 and has been passed to different DCAs as i get fed up with them telling me to pay amounts i simply dont have. I was getting the threatening letters and calls and it quickly got me so down i became i shut off to the world. Eventually i got stronger and started to deal with my finances and made an arrangement with Wescot, who had taken over my BC account. After one £10 payment they cancelled my direct debit. I called them and asked them why my DD was cancelled. All they would say was Lowells had taken the account back and i should contact them.

So i contacted Lowells and was basically told that they own the account and can do as they want and demanded payment. Told them i had already entered a plan with Wescot and they said that it was no longer in place. Asked them why they had taken the account back but wouldn`t answer.I told them, i control my finances, not you and put the phone down. Very annoyed as you can imagine!

After that i just ignored them. Calls letters. Threatened with all the usual **** but i was too ****ed off with them to give a toss.

My account has been passed around and i not paid any of them anything since june Today i had a letter from CABOT FINANCIAL (dated19th Oct ) with BC logo at the top, saying they have bought the debt and now stands at £4164. Included was another letter from CABOT FINANCIAL (Europe) saying they have been assigned the debt ! confusing !!! But , today i also had a letter from RED (dated 18 Oct ) saying my account has been passed to Hampton Legal and sum owed is 3488!!

 

I checked my credit file today and see Lowells entered default last year.

 

 

I dont know where to start. Can anyone offer advice please ??

 

Much appreciated!

Edited by LookingForInfoPlease

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Also, Cabot have informed they will be charging me 12% interest per annum. I read somewhere, interest can`t be added to account in default ??

Edited by LookingForInfoPlease

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