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cohens and Barclaycard debt

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Hi, today I received a letter from Howard Cohen & co. Solicitors re a credit card debt from Barclaycard. (enc)

 

 

 

I sent off a CCA request in October 2015. They sent back a copy of term and conditions and a covering letter.

 

Since then they sent letters from Robinson way requesting payment then there was a Notice of Pending Legal Action letter from HC solicitors in August 2016

 

Nothing since then until todays letter for settlement offer.

 

I'm guessing this is because they can't provide the CCA I requested?

 

I can't pay what there asking anyway....should i just ignore this?

 

Thanks PB

Barclays.pdf

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ignore!!

but not a claimform mind!


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ive hidden you attachment

you've left QR code boxes and ref numbers showing.

 

 

its a begging leter.

as above


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Very obvious they havent got a compliant CCA


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ah Jeeze, I did didn't I, thanks dx....

 

Yes I thought it was them just trying their luck

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Received another l'without prejudice - settlement offer' letter this morning saying;

 

We note you have not responded to our client's previous offer

 

Please note you now only have 7 days from the date of this letter remaining to accept this offer

 

Subject to assessing your affordability, your client will also consider your personal circumstances if you cannot pay this amount in full, therefore allowing you to pay this settlement amount by affordable monthly instalments

 

When this agreed sum is paid in full, the remainder of the original balance will be written off. If you do accept this offer your credit file for this default entry will be registered as "partially satisfied"

 

This off will expire 7 days from the date of this letter when the full amount becomes payable

 

If you do not contact our clients agent, Robinson Way Ltd on xxxx with your debt continuing to be unpaid. Our client will be entitled to continue with Issuing a County Court Claim against you.

 

 

I'm going to post the reply they sent me in 2015 after I requested the CCA

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They know the debt is unenforceable. No CCA return, no payment. Ignore them. Theyre hoping you get scared and pay them. Its pretty much a last ditch attempt at getting cash from you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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its a discount letter ignore them.

as post 3


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I will do, but could you please have look at their response they sent me back in 2015....I found it a bit confusing :(

 

After re-reading Im wondering if I requested the right thing!

Barclay_doc_1.pdf

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DOesnt matter what rubbish they sent. THey never fulfilled your CCA request. End of.

 

One important question now. Who currently owns the debt . That pDF is also non compliant as theres no app form, not even a blank one, and Theyd be hard pressed to say there have been zero changes to t&C's through the life of the debt.

 

Can you tell us when you took out the agreement.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I took out the agreement on the 13/04/2007 and it's now owned by HPH2 LTD. It was assigned and transferred to Hoist Portfolio Holding Limited a few weeks after they sent the above letter.

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ah yes

the usual 620000 they pull out of the filing cabinet

slap your name on it

and

here sucker ..swallow this load of twaddle.

 

 

when did you take the card out


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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CCA the current owner.

Youre being marked as gullible, which is why theyre pressuring you. And youre starting to fall for it.

 

 

This is how they operate.

They have no feelings for you, your circumstances, or anything like that.

They just want money, and they couldnt care less what they do, including breaking the law and regulation to do it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I took the card out in April 2007.

 

I'll send the current owners a CCA request tomorrow then and take it from there.

 

Thanks so much for your help guys, it's very much appreciated PB

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