Various DCA's & VERY old Barclaycard Debt Help Required

[starblackie]

I left my husband 12 years ago,

 

I was left with a pile of debt,

worked and paid what i could then went into hospital in 2002,

 

I have bipolar disorder and have not worked since.

 

Barclycard sold on debt

I didnt have any paperwork or was in fit state to understand the ins and outs of it all.

 

I have been paying a sum every month for the past ten years.

 

I have recently had a statment from CL finance, before it was with Lewis group.

 

I am still owing over £4000.

 

The debt orginally was much smaller but with interest added in the early days the debt rose.

 

How do I resolve this as i it will take me years more at this rate to pay of and i see no way my circumstances will change.

 

Does anyone have any advice on what i can do.

 

It has been hanging over my head for so many years and causes a lot of worry.

 

many thanks for any advice

starblackie

[Bazooka Boo]

Yes my advice is to stop paying.

 

You have been a cash cow for ten years, they have continued to add interest, which should have stopped when they terminated the agreement,

and as it has been passed from one circus to another to collect, it is clearly unenforceable.

 

This should have dropped off your credit file, have you checked it recently?

[starblackie]

Thank you so much for your reply,

I dont know how to check or what i am looking for on my cedit file.

 

I just know i have been scared by this debt fo so long and only now do i feel strong enough to deal with it.

 

I have searrched and found a template to braclays for a sar who sold on the debt to see if i had any sickness insuance on it that was my first step,

 

am i going in the right direction

 

Carole

[Bazooka Boo]

Try checking your file here https://www.noddle.co.uk/

 

Or you can use the 30 day free trial with Experian.

 

Yes send the SAR to Barclays, they have 40 days in which to respond with all the data.

 

How have you been paying for this? Not by direct debit is it? If so cancel the DD, if you have used your bank card to pay at all then you'll need to get a new one from your bank.

[starblackie]

I have been paying DD fo past ten years.

I received a statment last year the first for many years.

I was paying £10 & £20 each month. I

sought advice and asked for the debt to be written off giving the length of paying and poor health,

this was not accepted and they reduced payment to £5 & £10, although they did agree £5 on each.

 

I had statement yesterday I still owe over £4000

yet I am so sure that the orginal debt was below this amount.

Interest that went on before I started paying reduced payment.

 

Its a nightmare that has been hanging over my head and as i live alone i am very feaful of these people,

I also am not young anymore and dread dying still in debt,

the whole thing is a nightmare.

 

Very grateful for your advice.

 

I will send of SAR to baclaycard tomorow and reading the forum to get myself empowered and try to end this once and for all.

Thank you

[Bazooka Boo]

Cancel the direct debit.

 

There is NOTHING to be fearful of where these goons are concerned.

YOU are very firmly in control, and they know this which is exactly why they have to resort to psychological threatening letters in order to intimdate people into paying money they do not owe.

 

YOU have all of the power here, they have NONE!

 

YOU are in control, NOT them.

 

There is nothing at all to be afraid of, they are NOT bailiffs, nor will they ever be, they are simply powerless debt collectors, they have NO legal powers.

 

There is clearly something very wrong with this account.

Once you start the fight back, they will scurry back under their rocks with their tales between their legs.

They chance their arm on a daily basis, in the hope they come across someone who has no knowledge of their rights.

 

They are the ones who are scared.

[starblackie]

Thank you so much I am crying so much with relief to be able to talk about this. I have just signed up to check my credit rating although having a poblem logging in I will ring the helpline tomorow. When i see my credit rating what is it i am looking for.

Carole

[starblackie]

Managed to check my credit rating, nowhere does barcaly card/lewis/cl finance appear. My scoring is 876 fair.

I am feeling more hopeful, thank you

[Stigman]

Managed to check my credit rating, nowhere does barcaly card/lewis/cl finance appear

 

Great news, as BB said above fully ignore the DCA's from now on.

 

Have you cancelled your Direct Debit? If a yes then keep a close eye just in-case they try to re-activate it.

 

Ignore the stupid little childish threats of Court this, CCJ that etc. All designed to try and scare and intimidate you.

 

Do not attempt to ring any DCA, if they ring you, you are under no obligation to speak to them so refuse to go through the security questions and just say "in writing only" and hang up.

 

Stigman

[starblackie]

Going to post SAR tomorow and cancel DD, feel scared but reassured and hopeful, cant thank you enough truly.

Bless you for taking the time to advise

 

Carole

[Bazooka Boo]

Don't feel scared, feel empowered, you are going to learn your rights from now on, these corporations are the ones who are scared, they know that we have they know that we have all of the legal powers on our side.

 

Cancelling the DD will be their first indication that you have found out your rights.

 

Your credit file will be clear, and I'm glad to hear it, as defaults only have a 6 year life before they auto drop off, just keep a close eye on it in the coming weeks/months as if there is any funny business like attempting to add default markers on it, you will be able to take legal action against them.

 

Print this off and if they commit the criminal offence of harassment then send it to them.

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Also print this off and keep it by your front door just in case they send one of their commission paid clowns to collect your doorstep.

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members.

 

Remember Debt Collectors (DCA's) are NOT bailiffs, there is absolutely nothing they can do to you, they have NO legal powers, which is why they resort to sending computer generated threat letters with nothing more than empty psychological lies and intimidation which has no place in today's civilised society.

 

If they ever ring you, Laugh then hang up.

If they continue, then continue laughing and hanging up and send them that letter.

[dx100uk]

aw you poor little thing

 

they've ben cash cowing you for years

 

i bet not ONE PENNY ever went off the debt either

 

just straight into their pockets.

 

if any rear their head

 

comeback here

 

NEVER EVER speak on the phone.

 

dx

[starblackie]

I truly am so grateful for the advice and time given me today. I am feeling a bit more in control and will keep you posted, sure to need more advice as time goes on. Thank you from the bottom of my heart.

 

Carole

[Bazooka Boo]

Your very welcome Carole, and thank you DX for updating the link headline.

 

Cash cow is definitely my first thoughts., this is going to be a very easy one sided battle Carole.

[slick132]

Hi Carole,

 

They've been fleecing you for long enough and i'm glad you're ready to take back control.

 

BC may not send you a/c data for this as it's so old but it's worth sending the SAR anyway.

 

When CL Finance start complaining that you've stopped the DD payments, just send them a CCA request which will cost £1. That should stop them bothering you further.

 

[starblackie]

I had another good look through the experian site and my report. It says there is 2 negatives

1. You have no successfully settled non mail order accounts

2. the value of your higest credit limit indicates a higher risk.

Do you know what this means and if related to the debt.

No where can i see mention of BC/lewis/CI finance

Thank you

Carole

[dx100uk]

if they are not listed under active debts, then its dropped off years ago.

 

dx

[starblackie]

Thank you SAR sent of in post. Will keep you updated and once again thank you not only for your help, time, advice but for giving me strength to deal with this for the first time in many many years.

Carole

[slick132]

Hi Carole,

 

The items 1 and 2 that you mention in post #16 above look to me to just be advice about how your CRA file reflects your current credit risk status.

 

As DX says, this is so old that the a/c's no longer even show as unsettled debts.

 

SAR is the way to go for now and keep us informed.

 

[starblackie]

SAR posted today, will keep you informed, clinging to this site for strength, so many thanks I feel afraid and hopeful at the same time.

[Bazooka Boo]

There is absolutely nothing to be afraid of, seriously.

[starblackie]

Thank you, I will not let my fear take hold and I will fight this and let you know each step of the way how it goes.

Thank God for people like you

 

Carole

[starblackie]

Managed to get to post office this morning and sent CCA request and £1 postal order. SAR went Monday, didnt record delievery the SAR to Barclays. As CL finance have Direct Debits details are they likely to try and take more money from my bank once they recieve letter tomorrow. Learning alot from reading the forums and gaining strength, thank you, will let you know when i get reply

Carole

[dx100uk]

make i jusrt suggest you write formally to your bank

 

advising that you have cancelled the DD

as you believe it to have now been 'a mistake'

 

and that they are not to honour any further requests for monies

from CL finance

without your express written consent.

 

dx

[starblackie]

Yes I will do that, I will take a written letter in tomorrow to the local branch

Thank you