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    • Thanks for your reply dx    no I haven’t moved, in all honestly I don’t think they have sent the NOA, hence why I have asked for proof. It was suspicious on the phone as they couldn’t find the letter and then couldn’t attach it to an email    I have no problem paying the £75 if they prove they sent it.    im disputing the £235 as I don’t think they’ve follow the COVID guidelines either. I’m at work and my sister answered the door who is deemed vulnerable and is shielding. I would have told them that if they done a risk assessment (I believe the ministry of justice require it)    im a little confused with what you mean by the NOA running out? They have told me they sent it on the 14th? 
    • Well, I'm being pedantic but I think they're using the wrong term.   Link to the Money Advice Service on salary sacrifice below. It doesn't sound like what you're doing.   https://www.moneyadviceservice.org.uk/en/articles/salary-sacrifice-schemes   HB
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    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
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barlcaycard/capquest account in dispute passed to AIC


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I have been dealing with crapquest re a barclaycard account.

 

I cca'd them on 22 july 2011, they sent the usual account on hold letter, after the required time i sent account in dispute letter,

they replied with letter stating it was with "quality control"??? heard no more (no they havent returned my £1).

 

today i recieved a letter from AIC for the same account.

 

Has something changed,

I thought they couldnt pass to another dca if it was in dispute.

I seem to recall there was a template to send to a dca that takes over an account in dispute but, cant find it.

 

Does anyone have the link for it?

thanks

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  • 3 weeks later...

ok have an update, sent letter to AIC and had letter from capquest stating that as no payments had been made Barclaycard have taken back the debt and they will refund my £1, I have now recieved another letter from AIC stating:-

 

"as your above account remains unpaid allied international credit (uk) Limited (AIC) are currently reviewing your file within our collection departmant to consider if further action is warranted.

 

the immediate options available to you are as follows.

* make a one off full and final settlement payment on your account, please call the number below to discuss the discount options. further to your submission of the agreed payment, neither we nor our client will pursue you further in regard to th above account.

 

* submit a down payment 0f £***.** (25% of the balance), then repay the remaining balance at £**.** per month (remaining balance paid over 48 months)

 

* repay the balance at an amount of £**.** per month (remaining balance paid over 36 months)

 

Please note any subsequent late payment or default on any of the above options may result in any aettlement or repayment offer being withdrawn.

 

Alternatively if you are anable to propose any of the above options please call to discuss your account.

 

Failure to contact us immediately on the teçephone number below to discus your account may result in a recommendation to our client that proceedings should be initiated against you.

 

okso any advice on what should be my next action, should I ignore them? send AIC a cca req (they have no chance of getting it its from approx 1979-81) or should i just refer them to my previous letter about it being in dispute with Capquest (tho they have now washed thier hands of it)

Thanks

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You could ignore them, or continue playing the game of letter tennis.

 

They have nothing enforceable on you IMO, offering you discounts is indicative of this, you requested the CCA once, it failed to materialise there is no requirement to send another request, the account is disputed, so you can tell them of this, or just ignore them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ahhh, I miss letter tennis with Crapquest :violin:

 

Probably send you an application form and outdated/incomplete T&C's from a different year to the debt.:roll:

 

After trying originally to make arrangements with original creditors, apart from First Direct who were great, I'm just ticking the days off to all my debt being SB'd next year! :whoo:

 

I'd just make sure you have sent the 'In Dispute' letter, for when they sell the debt.....well 'try' to as no DCA will touch them with a pooh stick:!:

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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