MK Rapid Recoveries and Barclycard

[HippoSleek_J]

Several years ago I lost my job and therefore couldn't make the minimum payment on my credit card.

 

I rang BC to explain and they were reasonably helpful at first.

They told me they could lower the payment, which I still couldn't afford,

but told me that was the least they could take.

 

I later found out this was rubbish and

rang back to make token payments to show I wasn't trying to ignore/avoid it but just couldn't pay at this time.

 

they quickly added charges to my account and continued to add interest

despite me pleading to them to freeze the account as I had long since cut up the card... they wouldn't.

 

After dealing with 3 separate recovery companies,

explaining exactly what had happened,

the third company then sent an "agent" round to my house, illegally.

 

Luckily for him, my mum answered the door and sent him on his way.

 

I rang the company to let them know what they had done was illegal and that I was going to sue them.

 

A few days later I received a letter saying that the case was closed

and I wouldn't hear anything about it, which I didn't, for 2 years.

 

A few weeks ago I got a letter from MKRR

saying they were acting on behalf of Barclycard and I owed them £4,518.63.

 

I had spent less than £2000 on the card so the rest is interest and charges which is what I argued about for so long.

 

The thing that is puzzling me is that Barclycard have had my address and contact details for the past 2 years

so why has this company only contacted me now?

 

And how does it work if the last company "owned" the debt?

 

Have they sent it back to Bacrlycard or sold it on to another company?

 

I'm currently unemployed (just finished uni) and don't claim any benefits.

 

They are threatening legal action and saying the amount will continue to go up if I don't contact them.

 

Do I still have a case suing the other company for coming to my house illegally?

 

Thank you in advance to anyone that offers help, support or advice.

[silverfox1961]

Hi

Don't even think of sueing anyone. The doorstep caller did nothing wrong. He turned up and was sent on his way. Did you ever send a letter telling them not to call?

 

BC are in the wrong and as such you should submit a formal complaint. They knew at the outset you were in difficulties and refused to stop charges and interest.

 

These charges and subsequent interest should be removed and a suitable agreement made to repay what you owe.

 

As to why the accounts have been bounced back and forth, no one can ever fully know how their minds work.

[dx100uk]

is this on your cra file ?

 

that will tell you the owner.

 

if MKRR don't own the debt

then they can wave their arms as much as they like.

 

also.

 

unlawful, not illegal.[not a criminal matter]

 

dx

[slick132]

Hi Hippo,

 

Make a list, using all the old statements, showing penalty charges added to the a/c. BC should not have added these after they knew you were in Financial Difficulties but they often did, so reclaim these charges in full, plus compound interest.

 

Forget suing anyone as they did nothing wrong.

 

But DO reclaim what is yours, to reduce the balance owed.