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3 Barclaycard debts - 2 with LINK, one with Hoist. - help!

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New here, been reading some posts, but so much info, getting confused..

 

Well over 10 years ago,

had 3 Credit Cards,

2 were with Barclaycard directly,

another via another company,

but at some point Barclaycard took that card over also...

 

In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts,

as I could no longer afford the monthly amounts along with interest,

 

 

in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial,

paying one at £50.00 a month

the other at £100.00 which is what I was paying Barclaycard

 

In June this year Barclaycard passed the last one to a Hoist Portfolio Holding Limited,

who in turn immediately passed it to Moorcroft Debt Recovery Limited

I own £1866.75,

was paying this at £53.00 every month to Barclaycard,

they now sending Letters asking for payment/flexible approach etc

 

What upsets me about all this,

I've never missed a payment with Barclaycard,

may be a date but doubled it with the next one,

my bank account goes from Black one week to Red the next..

 

So have no spare cash to play around with, Barclaycard was getting their money back, just not quickly.

 

Now have payment details with Moorcroft via account details, web page etc, not yet contacted them,

but don't what to fall behind with them just to incur interest etc,

so making the amount owed even more & will then take me even longer to pay off..

 

Can anyone please help me, not sure what to do...

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you are being cash cowed blind

 

send a CCA request for each card

2 to LInk financial

and one to HOIST for the 3rd card.

 

ignore Moorcroft

deal direct with the OWNERS of the cards [LInk & Hoist]

 

just remember

a DCA is NOT A BAILIFF

and have

NO LEGAL POWERS WHATSOEVER

never ever RING THEM.

 

it might pay you to send BARCLAYCARD an SAR

and get all the statements.


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With Legal wording & jargon I really struggle to understand...

 

But in July/Aug 2017 I sent off some CCA Request/s, to 3 companies

all replied that they couldn't provide me with the necessary information at the time,

 

 

Never heard from one of the companies until today (15/Mar/12018),

today received a letter from one of the companies I was dealing with, (letter dated 6th Mar, with postmark of 8th Mar)

but again only got today 15th Mar,

which looks like they now have the information ref the CCA Request & giving me 14 days to contact them ref the debt.

 

I thought they needed to provide the information requested within the timeline of the CCA Request,

I suppose I am wrong though.

 

Does anyone have any help on this question please???

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threads merged

please keep to one thread

 

dx


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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hope you've stopped paying all of them...

 

scan up what they hace returned please

I bet its the usual 662200000 rubbish

 

the 12+2 working days is the time limit then you stop payments

if/when they cough you scan up their CCA return here

 

read upload ONE multipage pdf only please


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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Sorry for the other thread,..

 

 

Will scan all the documents tomorrow, & post up. I thought I had posted the information from the original message when I sent the CCA Request/s off, will gathering that info tomorrow also..

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Above all else, there is NO need to panic over this, it's simply money, no-one will die, not even powerless DCA's unfortunately!

 

Have you stopped paying?

 

Which circus outfit 'claims' tp have the CCA? Have they sent it to you?


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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Ok here goes, dealing with 2 different companies & 3 amounts of money.

 

First Moorcroft & Hoist,

I have made no payment to them at all so far,

sent CCA Request on 21/07/2017,

Hoist replied on the 24/07/2018,

never heard from them or Moorcroft until Thursday this week, see PDF (CCA Reply & Follow Up 03C).

 

The first page is the letter from Hoist on 24/07/2017, the rest are the letters I got in one envelope from Moorcroft on Thursday this week,

 

part of the pack is one letter from Barclaycard with my name & address on it, dated 31 Jan 2018, seems like they are saying Barclaycard sent me this, but I can confirm I have not hear from Barclaycard since the last payment to them in 2017.

 

Hope the attached file makes sense, going to do another message & upload for the other company, all the paperwork is confusing me already, sorry.

CCA Reply & Follow Up 03C.pdf

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in a nutshell that upload is bogroll

a signed application and in associated T&C's that are incomplete


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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The second company I’m dealing with being Link,

I was paying for 2 accounts with them since Sep 2016,

again I sent off the CCA Request on the 21/07/2017,

have a copy of the signature for the recorded letter from them on the 24/07/2017,

 

wasn’t sure what was going on as I didn’t hear from them ref the CCA Request at first,

then noticed in statements from them , they used the £1.00 postal order attached to the CCA Request, & took it off the balance owed, later they took it back off. Stopped & cancelled all payments to them in Jul & Sep 2017.

 

See attached PDF file (CCA Reply & Follow Up 16-10-2017),

in the top left corner of the scans the ‘01A’ refers to one of the accounts with them,

& the other with ‘02B’ refers to the other account,

 

there is different paper work for the accounts, so just trying to make it make sense to whoever reads it..

Link eventually replied ref the CCA request in Oct 2017,

then got other letters see within the PDF,

getting worried has they saying they made take it to Court!

 

Any more help I would really appreciate please.

 

By the way, have checked with Clearscore, only Link shows up on there, & states up until last night no missed payments, the other with Hoist, doesn’t even show on Clearscore…

CCA Reply & Follow Up 16-10-2017.pdf

Edited by iSpooky
Inbed attached file

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urm remove you name...

I've hidden them.

 

also link cant issue a default notice

BC should have done that on the third missed payments.


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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Anyone got any advice

Please ref the upload/s & letter/s,

 

worried if I don’t’ reply to them, they will take it to court,

 

I really don’t need all the hassle & really don’t still know where I stand with both companies???

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well don't be they've no more legal rights than you or me

they are no bailiffs.

 

you need to remove your name from your uploads.


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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worried if I don’t’ reply to them, they will take it to court,

 

I really don’t need all the hassle

 

 

Don't be worried, and it'll be no hassle at all if they did, all of the trouble will be heaped on them.


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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Have edited the 2nd file & uploaded it, but can't see how to delete the original upload &/or the message with the upload contained within???

 

 

BTW thanks guys for your help & tips, just what this issue with them to go away..

Edited by iSpooky

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post your files up then and i'll do it


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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Already put the new file up, the old file is 199.6 KB in size, the new one 200.6 KB, thank you kindly sir

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really

so that must be why your name is STILL showing on atleast 2 of the pages


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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