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

[sdizzy]

Hi all,

heres the lowdown on the hoedown...

 

.I got several debts with barclays consolidated in late 1999 and

 

until march this year was paying £50 per month via pay in book.

 

I forgot 2 payments in april/may,

got a letter from barclays stating they were handing the account to credit solutions ltd.

 

Few days later got letter from CSL stating they would be collecting the debt.

 

Made 1 payment to CSL, discovered some info about disputing the debt amount as it has been sold on to a DCA and stopped payment.

 

Eventually got CSL in tacit aggreement, they have recently handed account to Power2Contact,

who work out of the same address,

reckon they are the doorstep collection part of the operation, with a name like that.

 

They sent me a letter stating they were representing the client and to call them to arrange a visit to discuss payment of the account as i have ignored all requests for contact,

which is rubbish as this is first contact from them and I have copies of recorded delivery letters sent to CSL.

 

I sent them(P2C) a letter requesting proof of alleged debt and a denial of implied acccess statement.

 

Just waiting to see what happens now but was wondering if I should request cca from original creditor, Barclays.

 

Alleged outstanding debt stands at £13500~

 

Thank you in advance for any advice

[Conniff]

There has to be charges and ppi to get back from them, so if you haven't a clue, then yes, cca.

 

Your subject heading isn't very inspiring sdizzy, can't we think up something better that says what the thread is about ??

[sdizzy]

thanks for your response,

 

how do I claim ppi properly ?

 

will a cca show this info ?

 

dont even think I ever took it out ?

 

bit suspicious of those adverts and never ending phone calls..

 

.how can I edit the thread title ?

[dx100uk]

thread title changed.

 

as for the PPI is VERY easy

 

but you'll need all the statements.

 

SAR time to barclays me thinks.

 

see my links below.

 

dx

[dx100uk]

as for these consolodated debts...

 

did they turn them all into a loan or something?

 

dx

[Conniff]

Any of the Site Team can change the title for you, just say here what you would like it to be or click the little triangle below your post and ask there.

 

Do you have any original paperwork at all ?

[sdizzy]

I believe it was a loan, taken out nov '99. Also included about 8k of my wife's debt.I have an original letter going back to 2006 about increasing the payments from about £30 to £50. I can scan it in later today if required.thanks for the responses.

[dx100uk]

i think you need to sar them

 

get all the statements

 

as if the debts that were merged into the loan

had PENALTY charges or PPI in them

 

then that means you've paid the int on them twice.

 

as they should have been rebated before they forced the loan on you.

 

dx

[sdizzy]

This is the earliest letter I have concerning payments to Barclays, don't know if it provides much.

Do you have the best address I should send sar letter to ? collection centre in letter is PO Box number.

 

[sdizzy]

Looked around Barclays forum, will send it to Knutsford, does it need to be recorded delivery ?

[dx100uk]

upto you

 

but you can send it 2nd iwth proof of posting.

 

if you are going to post up here stuff

 

pdf it first

 

dx

[sdizzy]

sent sar letter to Barclays this morning.

Got this in morning mail...

csl.pdf

[dx100uk]

in other words they ae dropping your account

cause they know is a lemon.

 

dx

[sdizzy]

Hope so, haven't been able to keep a bacon butty down for ages.

I still remain cautious, as P2C still appear to be 'active ' in this account.

Will wait and see...

[slick132]

Power2Contact are nothing to worry about from all that I've seen here. They're not aggressive or threatening and go away when asked to.

 

See this advice, just in case - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

[sdizzy]

thanx for that

[sdizzy]

Well, today was handback to client day..evidently not.

I have a stay of execution....

settlement.pdf

[slick132]

Hi SDizzy,

 

Not really much use to you, unless you happen to have just over £6K hidden under the floorboards !!

 

[sdizzy]

just a quick update...

got acknowledgement of sar letter recently, then 3 days letter got a credit card app form...so I can spend my way to repairing my credit rating...!

bb_sar_acknowledgement.pdf

bb_cc_app.pdf

[slick132]

Noooo !! Lol

 

Very kind of them to offer you the card but BIN IT, pleeeeze !!

 

See what's in the SAR when it comes back.

 

[sdizzy]

LOL easy slick, I was being sarcastic!!I'll keep the application form for my records. I just thought that after nearly 13 years it was very unusual for them to deem me so worthy of their business...especially after the sar was sent!?!

[sdizzy]

received sar data today. will post it up later on today. looks like tallyman and loans data sheets show the most info. there is also on odp report and entire bankk statement history.

[sdizzy]

re. sar data....

 

ok, here is the loan data starting with joint account with partner then consolidated into one loan.

tallyman is loan history up to final payment/default.

[sdizzy]

Hi,I know it's probably a bit soon but can any of the site team give me some feedback on my sar data ? I don't really know how to use it and I can't really tell by the data supplied if it's all been in vain, Thanks in advance.

[dx100uk]

i've sorted those pdf's as they were huge!! is size [M]

ill have a look later.

 

dx