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

[slick132]

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.

 

[sdizzy]

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.

 

tx i'll do that

[sdizzy]

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.

[dx100uk]

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

[slick132]

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.

 

[sdizzy]

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

[slick132]

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 !!

 

[sdizzy]

Absolutely!

Didnt mean to moan.

I'll wait for barclays reply.

Tx for the quick responses.

[sdizzy]

Advice required please, second cca request letter was sent (21 days to respond) to BRU, Manchester on 22nd February and still no paperwork received.

[dx100uk]

cca request is 12+2 days

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

 

dx

[sdizzy]

Hi dx,

Already done that first letter.

Have sent the second letter on 22/02, (respond within 21 days).

Just need to know what action to take next.

tx

[dx100uk]

if you have ceased payment. then nothing

 

debt gone for now

 

dx

[sdizzy]

dx,

tx

[sdizzy]

[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.

[dx100uk]

pdf 1+3 need agreement/ref number blanking

 

dx

[dx100uk]

interesting you paid 73.90 PCM for the PPI on that loan

totally blow even their calcs right out the window!!

 

dx

[sdizzy]

[ATTACH=CONFIG]43281[/ATTACH][ATTACH=CONFIG]43280[/ATTACH]

 

Done, dx.

[slick132]

Hi SD,

 

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

 

[sdizzy]

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 ?

[sdizzy]

Internet time up...will be back on this evening.

[slick132]

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.

 

[sdizzy]

ok

still don't know who really owns this debt, though.

Edited April 18, 2013 by sdizzy

[dx100uk]

cra file will tell you

 

dx

[slick132]

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.

 

[sdizzy]

Well, if Zinc have bought the debt then why refer to Barclays as their 'clients' ?