Barclaycard debt sold to Link Financial and reclaim advice please?

[FredF]

Hi guys,

 

I received a letter today from a company called IDR Finance to inform me that my Barclaycard debt of £1300 has been sold to them and passed to Link Financial, also included was a notice of assignment from Barclaycard informing me that my account with them was now closed.

Up until now, I've been making agreed £1 token payments because I'm currently unemployed and both Barclaycard & Link have agreed to honour this payment for the next 6 months.

 

I've thought about reclaiming all charges made to my account that were applied late last year when I was trying to make minimum payments and was often days late. But I also paid for PPI insurance on my card from 2007 to October last year when I tried to make a claim. This was refused outright because I had moved from one job to another early in 2010 and had a 3 week "break" between finishing one job and starting the next and therefore didn't meet their qualifying criteria for continuous employment for 6 months.

 

I've downloaded the SAR template to send to Barclaycard, my question initially is can I claim for everything in one fell swoop? Or should I treat the PPI claim separately from the claim for refund of charges?

 

As always, will be grateful for any advice you can offer.

 

Fred

[dx100uk]

time to get reclaiming those charges and PPI then.

 

dx

[ims21]

Hi guys,

 

I received a letter today from a company called IDR Finance to inform me that my Barclaycard debt of £1300 has been sold to them and passed to Link Financial, also included was a notice of assignment from Barclaycard informing me that my account with them was now closed.

Up until now, I've been making agreed £1 token payments because I'm currently unemployed and both Barclaycard & Link have agreed to honour this payment for the next 6 months.

 

I've thought about reclaiming all charges made to my account that were applied late last year when I was trying to make minimum payments and was often days late. But I also paid for PPI insurance on my card from 2007 to October last year when I tried to make a claim. This was refused outright because I had moved from one job to another early in 2010 and had a 3 week "break" between finishing one job and starting the next and therefore didn't meet their qualifying criteria for continuous employment for 6 months.

 

I've downloaded the SAR template to send to Barclaycard, my question initially is can I claim for everything in one fell swoop? Or should I treat the PPI claim separately from the claim for refund of charges?

 

As always, will be grateful for any advice you can offer.

 

Fred

 

Hi Fred

 

The charges claim and the ppi claim are two different claims and you should keep a file for each of these.

 

Regards

 

ims

[mrtk1]

Even £1 per month is too much for someone who is unemployed. that money is used to for paying basic bills,eating and finding work and not a penny of it should have to go to paying off creditors.

[FredF]

Even £1 per month is too much for someone who is unemployed. that money is used to for paying basic bills,eating and finding work and not a penny of it should have to go to paying off creditors.

 

I would agree, but it keeps them off my back for the time being although I wonder how long it'll actually be before Link decide to get heavy handed.

 

Thanks ims, I'll treat them as two separate claims then.

[ianheadland]

My barclaycard debt was also 'sold' to IDR depsite me making all my £1 payments on time. Suddenly with no warning I cannot access my b/card account to make the online payments. I phoned them and was encouraged to set up a recurring debit card payment. Two days later I get a letter from b/card to say my account has been moved and sent to IDR. I instigated a complaint and was assured of a call back. 7 days went by and nothing was heard. I was told by the 'advisor' that they would recxall my account from IDR. I am suffering from severe depression and mental health conditions and the banking Lending Code says that should consider keeping these accounts for customers like me 'in house.' The complaint has now been scaled up to a level 2 complaint. I am having to get medical proof. Fortunately I had assistance from the CCCS people. B/card were happy to refer me to them but seem unwilling to now accept CCCS' advice and backing. I do not trust that IDR Finance will honour any agreement that I had with barclays after the 6 month period.