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**BC Charges repaid - Over 6 years + Contractual Int't**


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Okay to cut a long story short this 1 of my cards.

Monies got short and I couldn't pay so offered the £1 token payment and was told not enough etc

Sent a SAR and after a bit of tooing a froing have got all the monies with interest in restitution for the last 6 years, I have previous statements going back earlier though and whch I will be following up.

Earlier in August I sent a dca request - as of yet no response.

Now the debt has been sold to RMA and they keep hassling me.

So, shall I send the £1 token payment letter to them?

Shall I say until BC send me a correct copy of DCA I'm not doing anything?

Not sure which way to go.

Thanks

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hi kid's mum

 

Well done on the charges, try and get the rest back.

 

Are you sure the debt has been sold to RMA?

 

Did you send the CCA Request to Barclaycard? If you have sent it to Barclaycard and they haven't reponded, send them an account in dispute letter.

 

What ever they send scan, post removing all personal details.

 

When you wrire DCA do you actually mean CCA?

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hi kid's mum

 

Well done on the charges, try and get the rest back.

 

Are you sure the debt has been sold to RMA?

 

Did you send the CCA Request to Barclaycard? If you have sent it to Barclaycard and they haven't reponded, send them an account in dispute letter.

 

What ever they send scan, post removing all personal details.

 

When you wrire DCA do you actually mean CCA?

 

Thanks, it does give a bit of satisfaction getting a little bit of it back.

 

In regards RMA, they are now sending me letters and contacting postcards and endless telephone calls,.

The telephone calls, I just respond to them and say sorry not giving out personal details over the telephone, thank you.

The CCA was sent to BC, I did mean CCA whoops!

I'll send an account in dispute letter to BC? Do I copy one to RMA?

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It sounds like RMA are debt collectors, the account is still with Barclaycard. You can send RMA

a Telephone Harrassment Letter, send it Recorded. On it add CC: Trading Standards, xxxxx, xxxxxx, xxxxx

Replace xxxx, xxxxx, xxxxx with the address of your local office.

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Send the following letter to RMA, again send it recorded, basically your asking RMA to return the account to Barclaycard because you've got a dispute with them.

 

Make sure you insert the correct bits, i.e. Original Creditor / DCA, heres the letter:

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

You can send both letters in the same envelope.

 

Also try to work out the pre 6 years charges, send them a letter and spreadsheet, make sure you are getting contractual interest

from Barclaycard.

 

 

 

Thanks, it does give a bit of satisfaction getting a little bit of it back.

 

In regards RMA, they are now sending me letters and contacting postcards and endless telephone calls,.

The telephone calls, I just respond to them and say sorry not giving out personal details over the telephone, thank you.

The CCA was sent to BC, I did mean CCA whoops!

I'll send an account in dispute letter to BC? Do I copy one to RMA?

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Well, as far as the telephone calls go Mohammed tried to talk tonight!!! Not impressed... Hello Mohammed I replied, please don't phone me again, I am eating my dinner, I have been at work since 7am etc....

Good evening and goodbye.

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  • 2 weeks later...

I have recieved a reply today, from BC and it's pretty boring, basically they acknowledge my letter and are dealing with my request for information under setion 78 of CC act 1974.

 

Umm I asked for that back in August, how come they have only responded with we will investigate after I send the account in dispute letter?

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Hi TKM,

 

That's BC for you !!

 

8-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • 3 weeks later...

Update, I chased BC for the charges and got all of them back plus int for the past 6 yrs, then as I had all the statements I chased for the pre 6 yrs ones. Success got them back! A bit below my request, but they calculated the charges with the purchase int rate that was being charged at the time of the charge being applied to the account, well it's halfed the balance now so that's something!

Now on the the request for CCA I have now received a letter from nco europe saying they have no record of my communications, send a £1 and we'll request from BC!, the £1 i sent previously was a cheque which wasn't cashed so I'll do it again and see what happens.

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Hi TKM,

 

This is an excellent result for you - getting charges plus interest back AND then getting back charges beyond 6 years. :whoo:

 

Re the CCA request, where do NCO Europe come into it ?? I assume the are another DCA acting on BC's behalf.

 

In any event, it may still be worth sending NCO E the CCA request letter. It may slow them down a bit if they are chasing the balance left on the a/c.

 

However, you should now be thinking about what you can afford to repay on the a/c monthly if you can't afford the min pay'ts.

 

8-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Oh yes, I am secretly patting myself!

Now, one thing I did did was to clearly mark with a very glorious yellow highlighter the charges which were applied to my account pre 6 years.

Also a very carefully edited letter, not harsh, polite and to the point.

In this instance it worked - the other 3 it hasn't!

As far as payments, I know what can be paid, they just need to accept it...

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Hi TKM,

 

If BC are not willing to accept reduced or token payments, see here - http://www.consumerwiki.co.uk/index.php/Debt:_Where_to_Get_Help

 

National Debtline may be more successful in getting BC to accept reduced payments, on your behalf.

 

8-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi TKM,

 

If BC are not willing to accept reduced or token payments, see here - http://www.consumerwiki.co.uk/index.php/Debt:_Where_to_Get_Help

 

National Debtline may be more successful in getting BC to accept reduced payments, on your behalf.

 

8-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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