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help about default barclaycard debt now sold on


sugarplum1973
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hello need advice about a debt

 

 

I got a default notice but this was never registered to the credit ref agencies

 

this debt was sold to a 3rd party debt collector

 

I was checking my credit file and things were not right as the new debt collector was putting wrong information on my credit file.

 

I made a complaint to cra and then got a letter from these saying all the information had been removed

 

on checking there is no details of the new debt collector

 

I did a sar to Barclaycard and found out that they never registered the default with the credit reference agencies before selling this debt on .

 

what can the new debt collectors do

can they issue new default

 

 

I am paying this debt off weekly with the new debt collector

 

 

what rights do they have with this debt and if I stopped paying them what rights do they have.

 

it shows on my cra that Barclaycard is closed

 

 

can they still register the default on credit file if they have sold the account

 

 

any advice please thanks

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only the original creditor can issue default notices and register defaults.

a debt buyer can only update information already registered.

 

have you sent these fleecers a CCA request?

 

how old is the card?

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 SP,

 

Can you give us any more info like approx dates and amounts.

 

Have you sent the DCA a CCA request.

 

Have you data about PPI and/or penalty charges before the a/c was sold.

 

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hello thanks for the reply's

charges on the account

 

 

£12 for charges and £12 for going over limit due to them adding charges and interest this brought my account over the limit

 

I owe £3000 on the account that I have arranged to pay off weekly with mkdp

 

account was opened in 2009 and was a online application there are no ppi on it as didn't need it at the time .

 

account was sold in 2012 to mkdp

 

can Barclaycard who sold the account but never registered a default with the cca

now register default if they wanted too

 

 

and what can mkdp add default to my credit file whenever they like if Barclaycard never did.

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Hi SP,

 

Wait and see how MKDP reply to the CCA request.

 

In post #1, you say BC sent you a response to your SAR and I assume this included full data about penalty charges. Depending on how many charges you suffered, you can reclaim the full amount of every one, plus compound interest.

 

See BC *WON* threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Reclaiming these charges with compound interest could usefully reduce the balance.

 

:-)

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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opps cash cowed,

no wonder BC sold it

 

 

drop MKDP to £1PCM whilst you investigate rather than weekly.

 

 

if BC sent a default notice then that should be good enough to show a default should have been registered at xyz date

if mkdp get funny.

 

 

I hope you've not been talking to these dca's on the phone?

and they haven't got you debitcard details have they?

 

 

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

hello

 

 

I set up a standing order to pay them each week

 

 

I don't speak to them on phone as they try to all sorts to try and get money that I just don't have

 

if my account was opened in 2009

 

 

why should I be sending mkdp a cca as thought this would be enforceable

 

 

the above thread

 

 

what does cash cowed mean

 

 

thanks

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Cash cowed means your being fleeced, basically!

 

Yes a CCA post 07 will normally be compliant, but no harm in making them jump through the hoops.

 

£1 a month is ALL you need pay for the time being, so amend your SO to this amount.

 

Then you can look at reclaiming all of those penalty fees/charges including compound interest at their rate, that will take a big chunk out of their

grubby profit pocket.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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cash cowing means you have poss been spoofed

by a no powers DCA into paying a debt, that is made of unlawful penalty charges

that can be reclaimed.

 

 

interests me why BC have sold this card with such a high balance

 

 

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... 

Link to post
Share on other sites

interests me why BC have sold this card with such a high balance

 

Probably because it is made up of reclaimable charges and penalty fees!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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