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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Barclays debt passed to BCW


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Hi everyone , I have a problem , I had an issue with a loan from Barclays , 5 figure sum , I missed a few of the agreed repayments and the debt has now been passed to BCW , of whom I know nothing about . I have received numerous calls which I have not answered and also numerous txt messages . I have emailed them with the same repayment offer I had with Barclays but have had no reply . I have had a bad year , divorce , ill health etc , although I know this is no excuse , but things got on top and I just didn't pay Barclays . Im not sure what to do ? can anyone advise please ? many thanks .

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Hi everyone , I have a problem , I had an issue with a loan from Barclays , 5 figure sum , I missed a few of the agreed repayments and the debt has now been passed to BCW , of whom I know nothing about . I have received numerous calls which I have not answered and also numerous txt messages . I have emailed them with the same repayment offer I had with Barclays but have had no reply . I have had a bad year , divorce , ill health etc , although I know this is no excuse , but things got on top and I just didn't pay Barclays . Im not sure what to do ? can anyone advise please ? many thanks .

 

You don't have to deal with BCW, they're acting under an agent assignment and do not hold any rights or duties to the debt. Request to deal with Barclays only (send Barclays an income and expenditure sheet, with your proposals for payment which you can afford and can maintain).

 

BCW can do nothing except send you stupid template letters threatening to walk away with your door step. Ignore them and deal directly with Barclays.

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What does the letter from Barclays actually say.

 

BCW do buy debt portfolios so they could now be the owner of the debt.

 

Your credit file may also help identify who owns the debt.

 

Is there any PPI on the account that you could reclaim?

 

Are there any unlawful penalty charges on the account which you could reclaim?

 

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Was a letter also included from BCW stating that they now own the debt?

 

If not you should receive one soon but mainly they come in the same envelope.

 

As advised above, you need to check your credit file to now see who fully owns this debt.

 

Also, do not speak to BCW on the telephone, keep everything in writing.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi , no , letters came separately , I haven't spoken to BCW , and have blocked any dubious numbers related to them , I have emailed BCW twice , offering the same repayment as I paid to Barclays , but as yet have received no reply , im just worried to death that they will come and take stuff , car , furniture etc , really stressing !

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im just worried to death that they will come and take stuff , car , furniture etc , really stressing !

 

NEVER be worried over a DCA, they ARE NOT Bailiffs !!!!

 

You are offering payment, do not be pressured into making anything other than you can comfortably afford, pay only via standing order so you are in control, never give out your card number or set up a direct debit as your account can be emptied pretty quickly.

 

Keep a full record of everything.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi , should I just wait for there email reply ? I feel I wont get one ! seems as though they just want verbal recorded ?

 

Has your email got a delivered facility so you know for sure it has been received and read?

 

If not, write to them once again telling them that you are going to pay xx.xx amount every calender month, can they please send you their standing order details so you can set this up, make sure that you never set up a direct debit facility or via card as this gives them control to empty your account at their own free will mainly through a computer error but they will not refund and do not care if you starve or go with no electric or gas over Christmas or New Year.

 

Before doing this, you do need to check your credit files to make sure that BCW are the full owners of the account.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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To check your credit files, the two main ones are Experian and Equifax, they both offer 30 calender days free trial but remember to cancel beforehand or else your card will be debited up to £14.99.

You can also do this via post, download the application forms off of their websites, print off fill out and include either a £2 cheque or postal order and you will receive your credit file in paper format via post.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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should I just start making payments ?

 

I should hold off until you know full well that BCW are the new owners and have the full legal rights to the debt has well has any money that you are willing to pay.

Your credit file will be updated with the new owners name if it has been sold on by Barclays and bought by BCW.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks very much , I will look into it , do you think its worth even trying to contact Barclays ?

 

No reason why not, at least they can confirm that the debt has been sold.

 

Barclay's may not be able to tell you who they sold it to but at least you know the status.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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do I have to give them this information ?

 

Hi,

No you do not have to supply your personal financial details, the only person who can do this is a Judge.

All BCW will do with the information is manipulate the figures to exert pressure on you to pay more than you can afford.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Ill reply by email and stand my ground then I think ?

 

Deffo stand your ground on it, email back saying you can afford the offer of xx.xx and this still stands.

The income and expenditure as well as all of your financial details are private and will remain so.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Is there any PPI on the account that you could reclaim?

Are there any unlawful penalty charges on the account which you could reclaim?

 

Notsure, IMS21 posted this in post #4 that you either missed or forgot to reply to.

This could reduce the debt significantly and also because the debt is now sold, any reclaim now comes to you directly.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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