Statute Bar thwarted by B/C and Robinson Way

[Napoleonj]

I have also had my Barclaycard debt passed to a debt collection co., but this morning I had a 'phone call from B/Card telling me that they had never had a debt cancelled and that they did NOT have to produce a copy of their agreement for credit cards.

 

Are they correct please?

[Napoleonj]

Lucky Me, I too have received a letter from Calders. What busy little bees they must be. I guess it's all those students on their summer holidays earning some cash.

 

I've been threatened with a legal charge on my property - which I rent ha ha! and they say if I do not call them, they will close my account and the full balance will become due immediately. I didn't even realize that I had an account with them, I thought it was B/C WHO THEY SAY ARE THEIR CLIENTS.

 

Seems whoever writes these things is a little confused about who he works for!!

[Napoleonj]

I too am being harassed by Debt Management LTD, ever time time they ring, I as k who's calling, say "sorry I'm not interested" or "never heard of you" and put the 'phone down. I've also had the URGENT FINAL DEMAND letter today, asking for payment of the whole sum outstanding, but I've never had a DEFAULT NOTICE from BC. Are they allowed to do this and pass the debt on to so many DCA's?

[Napoleonj]

I've been through the whole ranbe of Barclaycard's debt collectors and sent off a CCA letter to Debt Managers Ltd on Oct 4th - no response needless to say.

 

I've now had a letter from Moorcroft, saying that they have "been instructed by Barclaycard to collect your overdue debt of £---"

They say that this letter is a "notice of intended litigation".

 

How can Barclaycard have so many companies chasing me, especially as the account is in dispute?

 

[postggj]

moorcrap realy should read up on consumer law

 

so they have been asked to collect on behalf of barclayshark, then how can they take you to court not being the creditor

 

any chance of posting up that letter (minus personal details)

[harrassed senior]

Think I saw a similar letter a day or two ago from these, er , chaps.

 

Send them the bemused (why has this been passed to you whilst in default) letter, and then just ignore.

 

Letter #17 The Consumer Forums - debt collectors

[dx100uk]

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[Napoleonj]

Well. here we go again. I tried to get rid of the details with 2 different marker pens, but obviously failed dismally. So here is my final effort.

Full page fax print.pdf

[impecunious]

I wonder how they could threaten you with an Attachment of Earnings against a future employer!! Do they have a crystal ball?

 

 

Impecunious!

[Napoleonj]

Barclaycard have been busy!

 

I sent a CCA request letter to Debt Mangers Ltd on the 4th Oct and have had no reply.

 

However Barclaycard wrote to me on 22 Oct to acknowledge receipt of my CCA request and

 

today, I've received a letter from Moorcroft saying they are "writing to confirm Moorcroft are currently dealing on the above account.

Please therefore make immediate contact with our office" etc., etc.

 

With all this confusion I don't know which one to ignore first.

[postggj]

Legal obligation to send anotice of intended litagation

 

tha would be a 14 day letter before action you cretins, not seen one of those

 

all of those three recomendationnscan only be done by the authority of the court after a ccj has been issued, and you have stopped paying the ccj payments set by the court cretins

 

if a cca request has been made and they have failed to supply the agreement

 

ignore then

ignore them

[Napoleonj]

Barclaycard seem to be playing pass the parcel with my c/c details.

 

Despite 2 CCA request, I've only ever received T & Cs and their standard letters.

 

Now put of the blue I've had an "IMPORTANT NOTICE OF DEBT COLLECTION" letter from Westcot.

 

Should I ignore it, or reply with one of the excellent missives found on this site?

 

Perhaps someone out there has an even better suggestion for a reply.

[dx100uk]

your on a phishing list

 

now

 

how about reclaiming charges and ppi?

 

dx

[Napoleonj]

dx,

 

Didn't have PPI with the card as far as I know and as BC stopped contacting me some while ago,

the debt hasn't gone up since Sept 2010.

 

In fact it seems to fluctuate from one DCA to another.

 

Seems odd, that it's actually gone down since BC stopped writing to me!

 

Jane.

[rockwell304]

Jane, I'm a litle ahead of you! I've been through the same group. Westcott seem to be my current admirers and have engaged the services of Credit Security Ltd. A useless organisation if ever I saw one! full of bluff and bluster!

Mine appears to be moving down the DCA food chain, soon I'll be with a one man band in the middle of Bodmin Moor.

Good luck!

[slick132]

Hi Jane,

 

Even if there was no PPI, surely there are penalty charges for late or missed payments, or for going over-limit.

 

Have you checked through your statements for penalties as they can be reclaimed in full, plus interest.

 

8-)

[Napoleonj]

Slick,

 

The only charges are interest that has been added since I stopped paying, after making my fruitless CCA request.

 

Can I ask for these back?

In the meantime, I've just had a threatening letter from Westcott , copy attached.

 

Jane.

westcot.pdf

[slick132]

Ignore Westcot.

 

While the CCA request remains unanswered, you need do nothing. However, you should use this time to decide how to deal with the debt.

 

BC will probably send a reply (their T&C's) to the CCA request at some stage and this will enable them to resume collection activity.

 

I'm surprised there are no penalty charges on the a/c, at least since you stopped paying. Have you been through all statements to check on this.

 

Have you stopped paying because of financial hardship or because you think they may not have a credit agreement.

 

[Napoleonj]

Hi Slick,

 

Initially it was because they wouldn't or couldn't supply a credit agreement, but now it's financial hardship. We're both retired on state pension, as my other half's part-time job came to an end (not financially viable), we can only just survive on our income.

 

Jane.

[slick132]

Hi Jane,

 

You need do nothing until they respond to your CCA request.

 

Have you checked about penalty charges, as per my last post. Please confirm.

 

If you are suffering Hardship now, see these letters - http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

It may be sensible to offer at least some monthly amount towards the a/c so you are showing a willingness to settle.

 

8-)

[Napoleonj]

I CCA'd B/Card 18 months ago and received the T & C's several times and the account was passed to various DCAs, the latest being Wescot. I sent them the s127(3) letter on 12th May and today, I received the attached.

 

Would someone advise me what my next move is please?

bcardappform.pdf

[Napoleonj]

Hi Slick132,

 

I haven't done anything about the interest yet, as I had an exam in June (studying for my BSc Hons) and as a very mature student, this took lots of revision.

 

 

Not sure exactly how to go about working out interest, do I just add up all they've added since the account was in default?

 

 

I've looked at the various posts, but am still not sure.

 

 

However as you will see from my post below, there have been some developments.

 

Jane.

[slick132]

Hi NapJ,

 

To address the issue of default charges on the a/c, you need to go through all the a/c statements and highlight all late pay't fees, missed pay't fees, over-limit fees.

 

These should be entered onto a site spreadsheet which will then calculate interest for you. Read more about the interest issues at Link No3 in my signature which takes you to the Interest Tutorial.

 

You can use this spreadsheet - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

Get further guidance by reading the BC **WON** threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

[Napoleonj]

Hi Slick,

 

I've done the calculation with your spreadsheet, many thanks. The amount of my claim is a mere £130.72, so won't make much difference to the outstanding balance. Nothing extra has been added to my balance since Aug 2010, when it was sent to Calder.

[slick132]

Hi NapJ,

 

So can you go ahead with reclaiming the charges and interest using the examples in other threads.

 

Roughly what balance is still owing on the a/c.