Various DCA's & VERY old Barclaycard Debt Help Required

[shutmeup]

Just take some id and proof of address and tell them your having trouble updating your details with Barclaycard.

 

I know my problem was that because the account had been sent to their collections dept and customer services was a different dept, for some reason they had trouble updating my details across the system so i kept getting my requests sent back.

[starblackie]

I think my account has been closed with B/card for years. I will give what you say a go and see if i get any joy. There must be a way just have to find it. Thank you

[slick132]

Try doing it in-branch with your photo ID and current utility bills

 

If they say, "You are no longer on the system.", then I think that may help in you getting them off your back for good.

 

If they can't find you on the system, how on earth can they say confidently what you owe from way back.

 

[starblackie]

Many thanks for your answer Slick.

 

Although it is Lewis/CL that I owe and having been paying for years.

 

Also how do i ever track down the truth about how much my debt really is,

going on my very limited paperwork I have paid Lewis to date over £3000 and they still say i owe £4000+.

 

I may have been ill at the time but i can be very sure i never racked up that amount,

so charges and interest have increased my debt, how do I get that back.

 

Although that is not as important as getting rid of this debt thats been hanging over my head.

 

I will do as suggested on Monday at the local branch and go from there.

 

Thank you

Carole

[starblackie]

Just re-read what you said Slick, your last sentence bit of a hah hah moment. If B/card cant find me on their system and Lewis cant produce anything from my CCA request they could have just picked any amount out of the air and say i owe it where is the proof.

[dx100uk]

exactly.

 

action post 45 and lets hope we can get the statements.

 

something smells here

 

dx

[starblackie]

Yes dx exactly I am starting to see that now.

[slick132]

Hi SB,

 

This is what was being said on page 1 of your thread. You've carried on paying for so long but, once you start to challenge Lewis/CL about their right to collect, they'll probably scuttle off.

 

See how you get on in the branch on Monday.

 

[starblackie]

Thank you slick, my eyes have been opened

[starblackie]

Went into local branch of braclays this morning.

 

I was found at my previous address.

 

Told account has been closed for years.

 

Will now submit SAR for the 3rd time also have ref numbers for the 2 cards.

 

As I moved over 7 years ago, is this likely to mean that my data has been achived rather than destroyed

and I am likely to get data going back 12 years,

even if it means taking them to court for it.

[dx100uk]

let see good news though

 

dx

[slick132]

Did they do anything to update you on their system.

 

If not, I wonder if they'll return the SAR AGAIN !!

 

We'll see ...............

[starblackie]

Hi Slick

I went armed with loads of ID stuff,

birth/marriage/divorce/bills/driving licence/passport

only used passport and found me at my previous address.

 

I only updated Lewis when I moved maybe that was why,

although did put past address on the very first request.

 

SAR gone of again today together with copies of some of above and ref numbers got today. See what happens next.

 

No sign of answer to my CCA from Lewis/CL showing on Royal mail deleived 14/9 so if I am right "account in dispute" letter to go Wednesday.

[Bazooka Boo]

12 days from receipt of your request, by all means give them until Weds, but your well within your rights to send it now?

[starblackie]

Thanks BB wanted to take account of weekends and make sure im not doing anything wrong, maybe I will send tomorrow then after the post has been.

[Bazooka Boo]

Yes thats taking into account the weekends, 12 working days for CCA.

[starblackie]

is the date of delievery the first day which means 12 working days are up today. Or do I add another 2 days taking it to Thursday before letter goes of

Thanks

[Bazooka Boo]

Send it Weds.

[Old Cogger]

12 + 2 days = 14 days is the norm

[starblackie]

Wednesday it is. Thanks

[starblackie]

No news from Lewis/Cl

 

so "In dispute letter" gone today.

 

Am I right next step complaint to Trading standards after 30 days from today?.

 

Would that be local trading standards?

 

How long before i can expect some letters for not paying and although debt unenforceable are they likely to take me to court,

 

I have read thread on Howard Cohen and he seems to take people to court regardless.

 

Sorry to keep asking questions. J

 

ust dont want to do anything wrong,

 

all advice gratfully recieved.

Thank you

[dx100uk]

the 30 day no longer exist

 

failure to comply to a legal request for a copy

of the agreement thus means you can stop payments.

 

dx

[starblackie]

Thanks dx

[starblackie]

I have another question sorry but would appreicate advice.

 

Yesterday I signed up to Noodle have yet to recieve pin number to check credit record.

 

However today I logged in to my amazon account.

 

I use this account only to buy on amazon and pay in full.

 

Yesterday i paid the balance in full for last month.

Today there is an entry for pending transactions for £1.00

 

I rang to query and was told it was call validate.

 

Is this something to do with Noddle or to do with Lewis/Cl

 

Sorry to have to ask i am such a worrier.

Thank you

[Old Cogger]

I have another question sorry but would appreicate advice. Yesterday I signed up to Noodle have yet to recieve pin number to check credit record. However today I logged in to my amazon account. I use this account only to buy on amazon and pay in full. Yesterday i paid the balance in full for last month. Today there is an entry for pending transactions for £1.00

I rang to query and was told it was callvalidate. Is this something to do with Noddle or to do with Lewis/Cl

Sorry to have to ask i am such a worrier.

Thank you

 

Read your data from them i.e. £1.00 deducted to account please check your Bank statement for transaction then sign back in and quote the reference number given,your account will be credited the £1,00 back, it is a check to make sure the correct account is being recorded, worked o.k. for, me.