Jump to content


olliepup

Will it stand in court if its not on your Credit file?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2549 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just a quick question,

 

As the run upto xmas i find these leeches get busy to try and upset people no doubt!

 

I had an egg credit card debt which i cca'd some time ago, they did produce what seemed a valid credit agreement.

 

I have been making payments over the last few years and it got passed over to Barclaycard.

 

I have been short so i havent paid the last 2 months, i was paying 19.74 but now they are asking for 75 a month and should contact them as they have been trying to visit my property which isn't true.

 

I have checked my file and this debt is no longer on my file, now Barclaycard have it would it be enforceable in court with it not being on my file?

 

And would egg have passed on the paper work??

 

Moorcroft are collecting for Barclaycard, i owe 1600 quid .

 

Many thanks.

 

 

Olliepup

Share this post


Link to post
Share on other sites

It is my understanding that it would drop off your file after 6 years anyway.. but if you have been paying each month, I think you are going to have a hard time denying that there is any right for them to continue to collect !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

If Moorcroft are collecting "on behalf of" then carry on paying the original creditor...you are under no obligation to deal with the DCA.

 

Barcaycard took over Egg card accounts (or most of them anyway).

 

The fact that it doesn't appear on your credit file doesn't mean that they can't take action and that it is not enforceable, it purely means that the default has dropped off.

 

Have you done the usual of reclaiming any charges etc that may have been applied to the account?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Opps...snap with CB :lol:


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

They would certainly struggle to achieve a judgement after all this time, but the debt is still live.

A judge would want some very good reasons why enforecement action had not been taken earlier.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Thanks for advice guys, I should maybe just send my usual cheque for the normal amount, I have been kicking round the forums a while but I can't remember what charges I could claim for on a credit card account?

 

Or shall I just ignore and see how far they will go??

Share this post


Link to post
Share on other sites

Your decision but it's probably what I would do.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites
Thanks for advice guys, I should maybe just send my usual cheque for the normal amount, I have been kicking round the forums a while but I can't remember what charges I could claim for on a credit card account?

 

Or shall I just ignore and see how far they will go??

 

There is nothing wrong in getting prepared. You may even be surprised.

 

Have you got all of the statements of the account?

 

What you are looking for are charges for being late with payment, going over your credit limit and the like. Pretty much anything that is not "normal purchases".

 

You will able be able to claim back any interest which has been charged as a result of these penalty fees.

 

If you don't carry out this exercise you will never know what the "correct" balance on the account is.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

I don't have all the statements now, god knows where they are, will I have to sar them again?

 

Part of me wants to just ignore them as I'm fed up with them to be honest, I had a doorstep visit for another debt that is in dispute , I phoned him back and told him and he was thoroughly nice and said if it comes up again he will not bother.

I find they always get busy in weeks before Xmas, think its to try and spoil your time.

 

I am also tempted to send them take me to court letter, and see what they do, have used it before with some success .

Share this post


Link to post
Share on other sites

If you want the statements then yes another SAR will be needed. You say "another" so I assume you have done one historically but not kept the data....bit of a shame really.

 

Personally I wouldn't tempt them with a "take me to court" letter....they may take you up on it.

 

You could carry on paying what you feel is a manageable amount each month and if this did go to court then a Judge is not going to require you to pay more than you can afford.

 

Just bear in mind that there are no guarantees that they won't issue against you if you stop paying.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

I thinl i will send a cheque for what i can afford and pop a note in, if they want to take me to court for 1600 quid and they won't get anymore a month it will be an expensive exercise or would i get the costs added to the debt??

Share this post


Link to post
Share on other sites

but pay the OWNER not the DCA

 

and stay off that phone too!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
but pay the OWNER not the DCA

 

and stay off that phone too!!

 

dx

 

So even if moorcroft have been running the debt I should send a payment to Barclaycard? Will they not tell me to deal with there dca as they no longer have the debt, I'm unsure wether they have purchased it or are they the in house collector?

 

Should I make a re offer to Barclaycard or just send a cheque with the account number?

 

Thanks again everyone!

Share this post


Link to post
Share on other sites

not being funny OP

but you've been around since 2007

and been advised numerous times on various threads what not or too do...

wthh your debts.....anyhow

 

ok you cra file will tell you who owns it.

 

i hope those payments have been going off the debtnot to moorcraps pocket

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...