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consolidated barclays debts from 1999, been paying £50PCM , missed 2, now CSL/P2P calling


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You can send the CCA request now to Barclays or wait for Zinc to contact and send it to them.

 

I'd go for the former option using the recoveries dep't address.

 

:-D

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  • 2 weeks later...

OK,

i've cca'd Barclays, letter was posted locally 1/2 and dispatched from manchester sorting office 4/2, so they should have about until the 22nd feb to respond ??

 

Meanwhile I've received 2 letters from Zinc,

 

first one was a 'please call' type, which I have no intention of doing.

 

Second one received 13/2, dated 8/2, giving me basically 7 days to find about 5k for final settlement or the account gets passsed to doorstep collection agency

who will 'arrange to visit and discuss my circumstances'.

 

I take it while I am waiting on cca details from Barclays they have no power of enforcement over me ?

 

Should I send a letter to Zinc or hold on for Barclays response ?

 

Will post zinc letter up later tonight.

 

Thanks in advance.

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let zinc wave their willy

 

they are in for a shock anyhow.

 

just remember they have very limited powers

certainly CO NOT

ever pay a doorstepper

nor talk to them.

 

they ARE NOT BAILIFFS!!

 

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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Up to you. You can either:-

 

Ignore Zinc and await the bank's response, or

 

Tell Zinc a formal CCA request has been sent to the bank on xxdate and collection activity must cease until the bank complies.

 

:-)

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Thanks for the response.Is there a template or do I just send a self explanatory letter ?Forgot to mention, they are leaving messages on my answerphone, nothing nasty or harrassing, just 'reminders' to call them, 2 so far in2 weeks

ps here's to willy waving! lol

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Write if you want and keep it simple and to-the-point.

 

Or let Zinc simmer.

 

2 calls in 2 weeks. That's barely contact !!

 

We have cases here when a DCA is calling 5 to 10 times a day between 6am and 10 pm. So I reckon you're getting off lightly for now !!

 

:-)

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  • 1 month later...

cca request is 12+2 days

send the failure to comply & stop payments if you are still paying.

 

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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if you have ceased payment. then nothing

 

debt gone for now

 

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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  • 5 weeks later...

[ATTACH=CONFIG]43278[/ATTACH]

 

[ATTACH=CONFIG]43276[/ATTACH]

 

Finally received reconstituted cca from Barclays today.

Looks like a photocopied form with black ink entries in the boxes.

Addresses of bank branch and my address are correct but scruffily written in black ink.

No signature or date on form.

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pdf 1+3 need agreement/ref number blanking

 

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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interesting you paid 73.90 PCM for the PPI on that loan

totally blow even their calcs right out the window!!

 

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 SD,

 

To save going back through the thread for now, are you looking at reclaiming the PPI for any reason.

 

:-)

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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.

 

Thanks !:-)

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Hi slick132,I had a successfull claim back in November last year.I then waited for Barclays Recovery Unit to get in touch about the remaining outstanding debt,(probably my mistake) anf they contacted me in January with another Notice of Assignment, collection to be handled by Zinc.so I snet off for the cca.It just looks like a cobbled together agreement as I stated yesterday.I would rather re-service the remaining debt with BRU than give Zinc a single penny. Not sure where to go from here.where do I go from here ?

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Hi SD,

 

If Barclays have sold the debt, I doubt they'll accept payments now.

 

If you want to pay the balance to Zinc in a manner that you can afford, complete an I&E spreadsheet to show what money you have left each month to pay off this debt, and any others, on a pro-rata basis.

 

You can then tell Zinc this is what you can afford if they want it. If they argue for more, ignore them until they accept your proposal.

 

:-)

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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cra file will tell you

 

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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Share on other sites

Is that not clear from your CRA file or from a Notice of Assignment.

 

You should always get a NoA when a debt is sold although you're not entitled to demand sight of the Deed of Assignment.

 

:-)

We could do with some help from you

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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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