Bcw - barclays loan debt

[persha]

Hi

- have just received a phonecall and then a letter from BCW re a loan from Barclays.

 

Story is took loan about 7 years ago paid regularly till a couple of years ago

and then due to financial problems agreed a reduced payment plan

(if we continued paying original amount loan would be finished by now),

loan has been paid its just the interest we are paying off.

 

Spoke to Barclays to find out why BCW are contacting us as they are still taking money out every month,

last payment was on 20/05/14 only to be told that due to payment not being on time in Feb

they have handed us over

 

Payment was made in Feb but was late so not in arrears, they did not contact us to advise.

 

have a couple of queries:

 

1) Can BCW use Barclays letterheads?

Letter I have has Barclays logo and an their Collections and recoveries address in Manchester

also Barclays telephone number, but

in the letter they give another contact number and use a different address.

 

Surely this is wrong as they are not part of Barclays???

 

2) If Feb's payment was late and they have handed us over why are they still taking payment.

 

Surely if they are still taking payments debt should not have been handed over?

 

Please advise. Am a big fan of CAG have been able to help me out so many times over the years.

 

Sharon

[ims21]

Hi

 

Sounds like BCW are collecting on behalf of Barclays and if that is the case then continue to make your payments to Barclays.

 

If that is not the case, have you received a Notice of Assignment saying that the debt has been sold on?

 

Might be an idea if you could post up the BCW letter in PDF format with all of your personal identifiers removed.