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Barclaycard debt passed to Wescott - Help


Crux83
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Natwest kind of made it clear that the ball was in barclays court with that random payment.

 

 

I have written it off and learned a valuable lesson from it.

 

 

This evening I will have some time to comb through the documents from documents so expect many questions in relation to those.

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Hi all!

 

 

I'm very impatient and would like to get this debt out of my hair.

 

 

Would it be wise to submit an offer to Barclays at this point in time?

 

 

the debt is with a different company at the moment(buchanan and wells) if i recall correctly.

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Hi all! I'm very impatient and would like to get this debt out of my hair. Would it be wise to submit an offer to Barclays at this point in time? the debt is with a different company at the moment(buchanan and wells) if i recall correctly.

Please give us some more details.

 

 

BUT paying the debt in full or an agreed full and final settlement wont get it off CRA files, only marked satisfied or partially satisfied.

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

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Hi Crux,

 

You need to wait for BCW's reply to your CCA request. Until they reply, they should not be taking any collection activity.

 

The debt no longer belongs to BC and an offer to them will be a waste of time.

 

You said earlier that BCW offered a 40% discount. Could you pay this or would you have tried to make BC a lower offer.

 

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I'm going to offer to pay 20% of the debt. Any templates hanging about for the F&F letter?

What are you expecting from paying this off?

 

 

What is the status of the debt, date of last payment, default date?

 

 

Pointers for a F&F settlement Offer:

 

 

1. Never start higher than 10% of the debt, giving room to negotiate.

2. Make the offer strictly conditional on:

(a). The remaining balance is not to be sold or assigned to any 3rd party.

(b). The removal of adverse data (difficult one now since the ICOs views have changed) i.e. removal of the default tag and account marked settled preferably but BC are very pedantic and prefer satisfied or partially satisfied.

3. Never make any payment until you have an water tight written agreement to the offer.

 

 

Use signed for post and address to the Compliance Manager/Director of the DCA.

 

 

This is not on CRA files are you sure it is not statute barred?

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!

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I'm hoping to put barcalys in the past and avoid the constant calls and texts that are on a daily basis right now.

 

 

I dont enjoy the thought that these clowns could randomly show up at my property with their demands

and really just want to put this behind me.

 

 

i understand sometimes i need a bit of reighning in but really impatient

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I'm hoping to put barcalys in the past and avoid the constant calls and texts that are on a daily basis right now. I dont enjoy the thought that these clowns could randomly show up at my property with their demands and really just want to put this behind me. i understand sometimes i need a bit of reighning in but really imaptient

You most certainly need extreme caution with this!

 

 

If you can answer the questions in previous posts it will be easier to advise you!

 

 

Please confirm Wescott is the owner of the debt.

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:

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Wescott say they are acting on behalf of barclays

(their letters have become a bit more friendly).

 

 

Buchanan and wells ( as previously mentioned )refers to an old debt that has just crept up also by barclays.

 

 

this relates to my overdraft I had with them and is for a minimal amount so may just pay this?

 

 

I have no idea how long its been since I defaulted on the account in question but it may be about 9 months.

 

 

I accidentally made a payment on this account about 3 weeks ago

 

 

(I mistook the account for 1 of my others).

 

Please advise

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Wescott say they are acting on behalf of barclays(their letters have become a bit more friendly). Buchanan and wells ( as previously mentioned)refers to an old debt that has just crept up also by barclays. this relates to my overdraft I had with them and is for a minimal amount so may just pay this? I have no idea how long its been since I defaulted on the account in question but it may be about 9 months. I accidentally made a payment on this account about 3 weeks ago (I mistook the account for 1 of my others).

Please advise

 

 

Ahh yes I remember the payment problem, did you attempt to reverse the transaction?

 

 

Nowhere near statute barred in that case.

Wescott being agents for the creditor would have to refer any offer of a reduced settlement back to its client.

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!

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paying it will NOT stop them.

 

 

just make you a mug to be further fleeced.

 

 

this is what the DCA industry is all about

 

 

threat after threat after threat

 

 

then they get to fleece a mug.

 

 

that money then funds the EXACT same harassment to more people like you are suffering now.

 

 

THEY ARE NOT BAILIFFS!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you're saying forget about the money I owe these people(Barclays) and wait for them to come and collect my posessions?

 

 

Other than payment

 

 

- and I really am trying to negotiate a percentage that favours me

 

 

- there is no other option on the table?

 

 

I can't dispute what I owe barring the charges.

 

 

I can't question whether the debt is mine as I know it is.

 

 

Give me some options here people.

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possessions?

 

 

where did you get that from?

 

 

you do realise a DCA is NOT A BAILIFF

they have

 

 

NO SUCH LEGAL POWERS!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you say this is not on your credit file?

 

 

I find this strange if you took the card out in 2010? was it?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

pers then I'd be ignoring these silly threat-o-grams unless/until an enforceable agreement appears.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you're saying forget about the money I owe these people(Barclays) and wait for them to come and collect my posessions?

 

 

Other than payment

 

 

- and I really am trying to negotiate a percentage that favours me

 

 

- there is no other option on the table?

 

 

I can't dispute what I owe barring the charges.

 

 

I can't question whether the debt is mine as I know it is.

 

 

Give me some options here people.

 

 

Barclays/Wescott are not Bailiffs, they have to take you to court, win a judgement which you fail to pay then and only then can they seek a warrant.

 

 

If they were going to court I think they would have done so some time ago.

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:

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Todays letter was....as we have not been able to contact you, we will be referring your account to the home visit team to discuss payment options. What do I make of this?

 

usual rubbish ignore it dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Crux,

 

See the Article here about home visits - http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014)

 

Use this thread only to discuss the BC a/c. If you want to discuss the Barclays overdraft, start a new thread in the Barclays Bank forum. Otherwise info becomes confused.

 

Have you had a reply yet to your CCA request sent to BCW ?

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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