Various DCA's & VERY old Barclaycard Debt Help Required

[slick132]

Hi Carole,

 

Yes, cancel the DD mandate by letter to the bank telling them to pay nothing further to CLF with immediate effect. You need give no reason for this at, simply your instruction.

 

If you have internet banking, you should be able to cancel the DD mandate online immediately but confirm your wishes in writing to the bank as well.

 

Once CLF see the DD payment has not been made, they'll be trying to contact you urgently, by phone if they have your number. If they call, simply say you are recording their call, they should put anything they have to say in writing, and hang up. Don't listen to anything they have to say. Don't get involved in any conversation. Just hang up !

 

[starblackie]

I dont think they have my number as I am very wary of the phone at the best of times.

 

I have been reading a lot so getting to know what my rights are.

 

I was reading the code of practice and it made reference to vunerable people.

 

As I have severe and enduring mental health problems which I did tell them about last year when I asked if they would consider writing the debt of.

 

I will make a complaint if they haress me.

 

I have the print that was posted for if they turn up at the door, although if they do i would likely panic and call the police.

 

Whatever I am going to fight this.

 

Thinking back as the passage of time and ill health allows, I doubt the debt was over £2000,

yet here i am after years of paying and owing over £4000.

 

Thank you all for giving me the stength, I couldnt do this on my own.

 

Carole

[starblackie]

I received by recorded delievery from Barclaycard returning my cheque and states

 

"Incorrect details appear to have been provided. Please make sure you have updated your current address on our system bt contacting customer services before requesting again"

 

I sent the last address when i went into default.

 

What do i do next please

Many thanks

[starblackie]

sorry should have said it was in response to my SAR

[dx100uk]

i'd provide a util bill from your current ad along with returning the sar request.

 

dx

[starblackie]

Thank you dx I have also racked my brains and got my previous addressess going back 27 years when barlaycard was active. Sending back today. Update when more news

thank you

[slick132]

Well done for remembering that.

 

From what they say above, they want you to update your address via Cust'r Services before you resend the SAR.

 

If it's gone off already, don't worry and let us know how they reply.

 

[starblackie]

Thank you for your input slick123.

 

The address of the letter was to custom services so sent back there.

See what happens.

 

Addressess going back 27 years, SAR and untilty bill as advised by dx. RD this time.

 

I have spend days reading the forums since i first wrote and i am amazed and inspired.

 

I have been taking notes as i go along and know i have a fight on my hands to get all my data,

I will be taking it to court if need be.

 

I want to see the true state of affairs for the years 2000-2.

 

So I also sent SAR to Santander that took over from A&L.

 

Not least because these debts contributed to a major breakdown, being sectioned, 2 hospital admissions and ended my career which i worked so hard for.

 

I can only thank you and this site for the info and the strength.

 

I am no longer going to live in fear of these debts.

I will update as and when.

Carole

[slick132]

Hi Carole,

 

Noted, and will wait to hear further from you...........

 

[starblackie]

Hi friends

Recieved a letter from Lewis today.

 

"We have been advised by your bank that you have cancelled DD. Please be advised your account is in arrears of £5.00. In order to bring your account up to date we require a payment of £5

To make a payment by DD tele ******* alternatively, send payment by first class poat.

We trust this claries the matter.

 

Payment is not due until the 1st of the month in any case and no response to my CCA request as yet.

What shall I do.

 

Thanks

[slick132]

Hi Carole,

 

Ignore them for now, while you await a response to the SAR request.

 

Once you've established your identity and address with BC, you can send a CCA request to either CL Finance or Lewis, whichever is handling the account now.

 

If they start trying to call you, don't answer any security questions and hang up. Then ignore their calls if you recognise their number calling you.

 

Remember, these people have no authority.

 

[Bazooka Boo]

Please keep a diary of events regarding any phone calls you might receive.

[starblackie]

Thanks for replies.

 

I have sent CCA request to CL

I havent recieved anything a few days left for them to reply.

 

The only reply is letter for arrears yet DD is not due until the 1st of the month yet they are saying I am in arrears before the next payment is due.

[starblackie]

Please could I ask further advice.

 

Just read the OFT.

 

As I understand a CCA does not have to be a true copy if the credit was taken out before 1985.

 

My debts are B/C and a B/C Gold.

 

I am almost sure that the B/C was taken out before 1985 the gold card after.

 

What difference does this make to me I am getting a bit confused.

 

Sorry for all questions

Thank you

Carole

[slick132]

Hi SB,

 

A bank or subsequent DCA can ask you to continue paying, even if they can't produce the original credit agreement.

 

However, without that original, they should be unable to get a CCJ against you. In that scenario, the debt would be unenforceable.

 

They may just send you copies of the T&C's for the a/c when it was running and this would be adequate as a response to the CCA request, enabling them to continue with collection activity.

 

But wait and see how they respond to the CCA request and to the SAR.

 

Edited September 28, 2012 by slick132

[starblackie]

Okay and thank you for your advice Slick

[starblackie]

Hello

My SAR request from Braclays has been returned again reasons 2 box ticked:

 

1. Incorrect details appear to have been provided. Please make sure you have updated your current address on our system by contacting customer services before requesting again.

 

2. We are unable to locate an account relating to this request based on the information provided.

 

I sent 27 years of previous address and recent untilty bill, any suggestions what i do now to get this information.

Was sent to Customers services, PO box 9131 Leicester

 

Thank you for any advie and direction

Carole

[dx100uk]

obv what we thought

 

hows the CCA time limit doing has 12+2 days passed yet?

 

dx

[starblackie]

HI dx

Time up on Tuesday for CCA heard nothing yet from lewis/cl finance

Had a thought about B/Card married in 1987. So I am going to resumit SAR request with birth cert, marriage cert, divorce papers. Any other ideas?

Thank you

Carole

[dx100uk]

sent the failure to comply letter to whomever you sent the CCA too

 

and stop paying.

 

dx

[starblackie]

its next Tuesday dx

 

so I was going to send Wednesday the failure letter as I am getting more info from this site

 

I am seeing this through including getting all my data from B/Card,

 

if it takes court action I will do that.

 

For all the years of fear and worry they have put me through.

 

Is it worth me doing a SAR to lewis/cl to see if there any charges i can claim back.

Thank you

Carole

[slick132]

Hi SB,

 

To avoid wasting any more of your time, get your customer profile updated with Cust'r Services first, as per my post #32 earlier.

 

Once THAT is done, the system should recognise you and they'll be able to communicate with them better.

 

[starblackie]

Thank you slick I know i am sounding a bit think now, how do i do that with customer services

[shutmeup]

I spent 3 months last year trying to get Barclaycard to update my details for a SAR and CCA request. Finally went into Barclays Bank and got one of their staff to ring up customer services to confirm my correct details there and then.

 

These companies are that big you can tell one department your updated details and another department wont get that update.

[starblackie]

I will go into Barclays in town and try that, Thank you for advice